davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (MO)

This is horrendous, just notified by experian they are still working on the issue on this complaint only problem is that it's the same thing, EXPERIAN FIXES NOTHING 90 % OF ALL MY COMPLAINTS HAVE NOT BEEN ADDRESSED
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

I purchased my XXXX XXXX XXXX in XXXX of XXXX, new XXXX miles. My vehicle has been service by XXXX XXXX XXXXXXXX since the first Oil change, granted I have a lot of miles ( XXXX ) but the reason I bought the XXXX is because of it's durabilty and I have owned many XXXX XXXX in the past. When I brought my XXXX in to be service at XXXX they change the timing belt and service my transmission. The cost was over {$2700.00} and I gladly paid it because I knew I needed the work done. approx XX/XX/XXXX my car was having trouble with the dash board, lights where going off, I called the XXXX dealer and schedule a check-up they told me the car probably needed some updates. Before I could take it in to be service the car stopped and wouldn't shift into drive, I towedthe car to nearby XXXX XXXX XXXX XXXX, the car has sat there for a little over a month, I have been in touch with Acura Customer Care, attempting to get them to give me a Good Will Credit to repair what the dealership is saying is a faulty transmission ( cost {$7900.00} ) mind I have neededa rental for the entire time my car has sat at the dealership ( {$1100.00} ) and counting. My car is finance through Acura Financial and I have paid the XXXX thousands of dollars to have my car service for over 4 years.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MD)

hello, ive been receiving calls from commenty bank victoria secret trying to collect payments. as well as another bank i do not recognize im not sure if its the same bank. or not but sometimes they call me from unknown numbers. awhile ago they would call me at least 10 times a day. from XXXX numbers or unknown callers. but at other times itll be from multiple different numbers. and im sure there calls are recorded so they should have record of our phone calls if you request them from the bank as proof. bc after a certain period of time my call logs deleted. however i answered the phone one time and informed the debt collector of the times im available to talk and he continued to call at the times im not available. making it unreasonable an it feels like im being harassed. because i been getting in trouble at work for it.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One Bank continues to report {$400.00} negatively on my credit report despite them admitting that the credit card was incorrect. I had a credit card with Capital One in XXXX, I paid the card off and cancelled because the verbal abuse I received at the hands of one of their customer associates. Fast forward years later, they have been reporting that I have a card that is paid off as agreed and another one that has been in collections for over eight years?! How?! Why would I get two credit cards from the same company, that verbally abused me??? it is truly XXXX  and XXXX. It was clearly a mistake and I recall calling the customer service line to inform them that I had cancelled the card and didnt have any other card, to which they responded saying that it was recently charged and usedthis was in XXXX. Fast forward to present day and it is still showing up on my account, I asked the Bureaus to dispute this showing that I have reports from XXXX that show the discrepancys ( due to the new dates that somehow keep updating to reflect present dates ) in the dates the card was allegedly opened. As you can see from one report from XXXX and current XXXX report data ; on one repot it shows a date of XXXX on another it shows open/reporting date XXXX! I would never, not in a million years apply for a credit card with Capital One after being disrespected by their customer service employee. This demonstrates how they and debt buyers would go to extreme lengths to make sure people suffer and dont have opportunities and fair credit reporting.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This complaint is the follow-up of the complaint ID XXXX that the Consumer Financial Protection Bureau ( CFPB ) closed it down UNFAIRLY. 

I am writing this complaint to complain to both Capital One, and the Consumer Financial Protection Bureau ( CFPB ). 

I am complaining that the employees of the Consumer Financial Protection Bureau did not read my original complaint then UNFAIRLY close the complaint down. You are a federal government agency. You need to be fair. 

I am complaining that the employee " XXXX '' of Capital One did not read everything and NEVER respond to the complaint ID XXXX. 

In my original complaint of the complaint ID XXXX, I said that the employee XXXX XXXX XXXX of Capital One is a lazy person, did not do everything throughoutly. I said that I went back to my bank statement and check over the transactions on XX/XX/2023 and found that XXXX took out all seven transactions each of {$7.00}, they did not credit me back anything. The employee " XXXX '' of Capital One lied. She did not even read my entire complaint and requested her to check her work. She only sent the response that she previously sent to the XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I just got my credit on XX/XX/2024 and noticed some accounts on my credit report are incomplete and inaccurate which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this particular point I honestly believe that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They MUST be legally blind because everything is inconsistent.
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The AAA Company (TX)

Hi I am a XXXX XXXX person I get a check of XXXX a month I am fully aware I got a personal loan out for medication and I am having trouble paying it back on XXXX/XXXX/2016 I got a letter stating " '' LEGAL ACTION NOTICE '' YOUR ACCOUNT HAS STILL BEEN UNPAID! 
you signed a legal binding contract on a loan that you made with AAA LOANS AND TAX SERVICE. you have received the money and to this date, you have failed to pay. You are past due XXXX. 
IT IS OUR RIGHT TO FILE A LEGAL LAWSUIT AGAINST YOU. YOU WILL BE SUMMONED TO APPEAR IN COURT AND WILL BE ACCESSED ADDITIONAL COURT AND FILLING FEES. you must make a payment or call the office with en 5 days of receiving the letter to avoid legal action.. call our office to work together on bringing it up to date or LEGAL ACTION WILL BE THE NEXT STEP.
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (AL)

On XX/XX/XXXX, I was involved in a car accident where my car ended up being totaled. I reported the car accident to my car insurance and they began the process of paying off my car loan with Suntrust. In XX/XX/XXXX, I paid the car loan amount due because my car loan payment was due on the XXXX of each month. After that date, I did not pay anymore loans because as I explained to Suntrust, I was waiting for insurance and gap insurance companies to finish paying on my car so that I could see what was left over for me to owe. On XX/XX/XXXX, my insurance company issued out a check to Suntrust for {$6700.00}. Because I had a extended warranty on my car, the company I bought the car from issued out a check on XX/XX/XXXX for {$1300.00}. To me that should have covered a payment for XX/XX/XXXX. Now on XX/XX/XXXX, my gap insurance issued out a check to Suntrust for {$3700.00} that should have went to the XX/XX/XXXX payment since it was after the due date of payment which is the XXXX of each month. However, I received a letter from Suntrust stating that they had not received any payments from me for XX/XX/XXXX and XX/XX/XXXX. When I called the company, it was explained to me that those checks were not considered a payment and that I was delinquent on the account. Because of this, they reported to my credit report the delinquency which caused my credit score to go down by XXXX points. I do not understand how checks written on behalf of me to my account are not considered payments. I even have my car insurance check as well as my gap insurance check with my name on the checks written as payments to Suntrust.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Consumer complaint received 2023-05-06
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. (PA)

This goes against my consumer rights, I want all items removed from my credit profile as soon as possible. I've submitted letters multiple times and it has been 30 days since my last attempt with no response. Remove all items off my credit profile.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (PA)

I've been trying to close a crypto.com account since XX/XX/2022. Their customer service seems to only be bots from another company called XXXX. Basically when I contact " customer service '' to close my account a bot will tell me to do the following : " To fulfill your account closure request, please provide us with the following details : Last 4 digits of the phone number Last 4 characters ( digits/letters ) of the ID document used upon your account registration '' I've completed this several times and my account is still open. This seems to be because after completing the task, no actual person is doing anything. So the request then goes to another bot and the loop seems to continue. Or the bot closes the request because it will determine you have another open, after the last request didn't work. So a loop, I have tried everything in my power to close it and there has been no movement, so I am looking for help. I have I believe XXXX dollars or something in the account. They have at times made it seems they can pay me out and close the account, but in other instances they made it seem if I didn't have another digital wallet ( I don't, I've learned my lesson ) I would have to forfeit the funds. I'm okay with the giving up the funds if the account is ultimately closed, but its not been closed. 

I am looking for help with finally closing my account. I've submitted the information above but I am trapped in a loop of bots and just want to close this chapter so I don't have this hanging over my head.
Consumer complaint received 2023-07-19
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: Mr. Cooper Group Inc. (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Note : New found information is being submitted. This is not a duplicate complaint. 

Subject : Formal Dispute and Complaint Regarding Equifax Credit Report Dear Equifax Dispute Resolution Team, I am writing to bring to your attention a matter of great concern regarding inaccuracies in my Equifax credit report. As of XX/XX/XXXX, I have identified fraudulent reporting of creditors and accounts that are not associated with me. 

I would like to emphasize that I do not own a business, have never entered into joint accounts with anyone, and have not authorized the opening of any accounts in my name. On XX/XX/XXXX, I submitted a complaint with the Federal Trade Commission ( FTC ) under complaint number # XXXX. Additionally, on the same day, complaints were lodged with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax 's false reporting of XXXX XXXX. 

Regrettably, as of XX/XX/XXXX, my disputes remain unresolved, and Equifax has neither responded to nor acknowledged my complaints. The accounts listed below are erroneously reported on my Equifax credit report and should be promptly removed : XXXX XXXX XXXX  : ** - Account Number : XXXX - Account Number : XXXX To substantiate my claims, I have attached a copy of the quick results generated by Equifax , indicating that the dispute was completed between XX/XX/XXXX, and XX/XX/XXXX. Furthermore, the attached report reflects an alarmingly low credit score of XXXX, which I believe is a direct consequence of the inaccuracies being reported. 

I kindly request that you promptly investigate and rectify these discrepancies in my credit report. I believe it is crucial for the accuracy of my credit history and financial standing. Please provide a timely response acknowledging receipt of this dispute and a detailed plan of action to address and correct the reported inaccuracies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 6 ( o ) ( 2 ), I assert my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ) ( also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have reviewed my credit report, and I have identified inaccuracies regarding late payments reported by XXXXXXXX XXXX. The late payments reported are XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a consumer, I have the right to ensure that the information reported on my credit report is accurate and up-to-date. Under 15 USC 1681 Section 6 ( o ) ( 2 ), I am entitled to privacy regarding the information contained in my credit report, and any inaccuracies can have significant consequences on my financial well-being.
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties (NV)

I had reviewed my credit report and noticed I have XXXX medical bills on my credit report unpaid. I called my medical insurance company to find out why these XXXX bills have n't been paid. the hospital did n't summit the claims for these bills. i understand the hospital is not responsible for billing your insurance, how ever when they assume the assignment it is there responsibility, to bill the insurance and follow up with the billing process. the hospital had another company handle there billing process where the hospital later had issues with the billing process. this hospital turned this matter over to collection. I tried to excercise my rights with a debt validation requests, and received to print outs from the collectors on the print out the XXXX bills state paid. the collection agent state these bills are n't paid I know they are n't paid by me but why do my bills state paid on them. by the way the collection agent sent me information for another client they are attempting to collect on medical bills by mistake and told me to throw them away.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CT)

LVNV FUNDING LLC IS A COLLECTION AGENCY THAT IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING IS IN CASE OF A DEBT THAT I SUPPOSEDLY OWE ON BEHALF OF XXXX. 

THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THE ORIGINAL CREDITOR AND I HAVE RECEIVED A 1099C COPY B FROM THEM CONFIRMING THIS. 

LVNV FUNDING LLC IS ATTEMPTING TO COLLECT A DEBT THAT ONE, DOES NOT BELONG TO THEM AND TWO, THAT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME. 

I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED FROM MY CREDIT REPORT. 

IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with XXXX credit Bureaus Transunion, XXXX and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my Transunion report which made it seem like I had XXXX past due accounts instead of just XXXX. Transunion reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as Transuion but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from XXXX bureaus as they are inaccurate
Consumer complaint received 2023-06-07
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. (CA)

This is a complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2023 and XX/XX/2023. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX