davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (IL)

Almost 3 years ago, I was robbed. The person/people who robbed me stole my ID, credit cards, etc. I've been going through hoops with the credit reporting agencies to get these things off my reports. So, I was told to contact you guys and ya 'll would help me.
Consumer complaint received 2023-07-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AccessOne  Holdings, Inc. (NC)

I was 6 days late on a {$60.00} payment due to scheduling errors with automatic draft. This automatically put me in a 15 % interest rate terms. The remedy my lateness, I made extra payments and set the auto draft date earlier. I was not told that I would start accruing 15 % interest after this payment. I have found documentation stating that a {$10.00} fee would be levied, but not finance charges ( attacehd below ). The company nor I can find any document saying that they told me that this would happen. I have since paid for this loan so as to not accrue interest while procedings continue. I would like to be reimbursed for this money they stole plus interest and late payment fees that would accrue according to their own contracts.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (PA)

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX XXXX {$690.00}
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

I recently contacted Carrington Mortgage and put you on my account so you can get whatever information is needed. 

Last year I was able to modify my mortgage after contacting you. I made my XXXX trial payments as required. I heard nothing back from the mortgage company. I made several contact attempts and was told I will be getting something in the mail. I never did. Over this past summer I received paperwork to send in information again that I previously submitted to get the modification. Then a notice saying reinstatement, Currently my loan is in foreclosure with the court and I am waiting for a date for mediation. 

When I spoke to a person at the mortgage company and had you put on my loan, He went through my account notes per my request and seemed confused. He believes something happened with my modification payments and that is why they asked for the information again, that I had already submitted months earlier.. I told him that I had not received any notice or prior information about this. I had also received no information on my calls other than something should come in the mail. I now have to wait for more papers to try for a modification again.I can provide proof of the XXXX payments if needed, I just need to contact my bank. I wanted to file this asap. 

He doesn't know if the payments or terms will be the same as they may be higher because of the reapplication..My loan may be a XXXX loan instead of conventional loan.
Consumer complaint received 2024-04-26
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: CITIBANK, N.A. (NY)

Please I beg someone assist me with the following : late in XXXX I was offered a remote data entry position, little did I know until 4 days later that this was in fact a scammed job employment offer dealing with fraudulent payments that returned and fraudulent transactions that includes equipment and gift cards to activate equipment.It was too late when I realized and they were able to use two of my credit cards one being citi bank and the other capital one. They used my card to make purchases of equipment to use for supposed job employment. How ever days later the money used to cover expenses on the equipment purchased started to bounce back and my accounts were over drawn. I tried to reach out to the hiring manager and the trainer but they started to dodge my messages. This was all done through Teams. I have proof of our conversations and they also took my drivers license and social security information. I know owe over {$15.00} combining the citi bank card and capital one bank card. I am in debt and also still struggling to find another job employment while having student loans to pay. Citi bank is around XXXX k that is over drawn from my own credit limit : they are asking to need the due date amount but that can not be possible due to my current employment status. Plus there should be some kind of help for situations like this. Please someone help me.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MD)

I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular XXXX XXXX is using the XXXX platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to XXXX XXXX I have closed accounts that thy are still trying to collect on and have recorded me at $ XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but XXXX XXXX is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with XXXX. I have made every attempt to fix this situation. I have spoken to several XXXX employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for XXXX  years. the amount of damage is ongoing and difficult to quantify. 
XXXX has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (NC)

Action were taken as scheduled. I was in a car accident with vehicle and come to find out, I was in a fraudulent situation. I was over charged for vehicle and insurance only covered book value and they are stating that I still have a bill and I'm not understanding why or how. People I brought car from business was shut down due to alot of fraudulent miss handling financial services. They are asking ne to open up a payment plan, but I don't think its necessary for a business that no longer up and running, plus they went to jail. The accident was XX/XX/XXXX and we are still dealing with case. This company is called Santander Comsumer USA, I'm not sure what bill is.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Total Card, Inc. (AZ)

- This company is reporting my account as 30 days past due for the month of   XXXX   but I have made my payments on time.     - Last month it showed that   XXXX   was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 30 days past due but is now showing  XXXX  was.     -Prior to that, it showed that  XXXX  was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 20 days past due but stated that   XXXX   was.     This is very confusing and seems to be a system glitch that continues to carry forward into the current month. I anticipate that once my   XXXX   payment ( made  XXXX  ) reflects on my account, it will show  XXXX  as past due. For the record, I paid   XXXX   's payment on   X/X   which was the total remaining balance leaving me with a zero balance. This was paid in an effort to stop this from continuing.      Below  is my payment history since the beginning of the year. My normal monthly payment is due on the  XXXX  of every month.      XX/XX/2017      XXXX   XX/XX/2017       XXXX     XX/XX/2017    XXXX      XXXX    XXXX    XXXX    XXXX   XX/XX/2017    XXXX     XX/XX/2017    XXXX    XX/XX/2017   XXXX
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (MD)

This medical bill should not have been sent to me but instead to the   XXXX   XXXX    XXXX   XXXX   in  XXXX . It was related to some medical evaluations the   XXXX    sent me to after   XXXX   XXXX  . As a  XXXX , this location was selected by the  XXXX  as it was closer to my residence. I gave all of this information to the imaging center as to WHO IS TO BE BILLED at the time. After I somehow received a bill anyway, I advised them again as to where to send this bill and also brought a bill my   XXXX   XXXX   in  XXXX , who apologized and said they would take care of it. I do have some names to provide of those involved with my case and care, such as the   XXXX   XXXX   XXXX   who worked closely with the  XXXX , and the   XXXX    medical reps at the time, as well as others such as the   XXXX   XXXX  . Additionally, I am also currently a   XXXX   XXXX   patient receiving care at  XXXX  for these injuries.
Consumer complaint received 2023-06-02
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)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXX, XXXX, XXXX, XX/XX/ 2022,
Consumer complaint received 2023-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX NJ XXXX XX/XX/XXXX Capitol One Attn : Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request to Remove Charged-Off Debt from Credit Report due to Missing 1099 Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter regarding my account with Capitol One. My name is XXXX XXXX, and my account number ending in XXXX which was associated with a charged-off debt. 

Firstly, I would like to express my gratitude for your efforts in assisting me throughout the process of resolving my financial situation. However, I believe there is a discrepancy in the reporting of this debt, which I would like to address. As of the tax year XXXX I have not received a Form 1099-C, " Cancellation of Debt, '' from Capitol One. 

According to the IRS guidelines, when a creditor forgives or cancels a debt of {$600.00} or more, they are required to send the debtor a Form 1099-C. This form reports the canceled amount as taxable income to the debtor. Without receiving this form, I am unable to fulfill my tax obligations accurately and may inadvertently underreport my income. 

Additionally, as the debt was charged off, I understand that the reporting of this debt on my credit report should be adjusted accordingly. A charged-off debt should typically be marked as " Charged-Off '' and indicate a {$0.00} balance. However, the debt is currently listed as outstanding on my credit report, which negatively impacts my credit score and financial standing.

Therefore, I kindly request that you take the following actions : Provide me with a copy of the Form 1099-C for the canceled debt associated with my account account ending in XXXX for the tax year XXXX. 

Correct the information on my credit report regarding this charged-off debt, reflecting the appropriate status as " Charged-Off '' with a {$0.00} balance. 

I believe that addressing these issues will not only ensure accurate tax reporting but also help rectify any inaccuracies on my credit report, which is crucial for my financial stability. 

Please respond to this matter within 30 days from the date of this letter, as required by the Fair Credit Reporting Act ( FCRA ). If you require any additional information or documentation from me, please do not hesitate to contact me at my email XXXX. 

I appreciate your prompt attention to this matter and your understanding of the impact that these issues have on my financial well-being. I look forward to resolving this matter amicably and would like to thank you in advance for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (VA)

I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621. 
The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX.amount {$660.00} closed account.My report include accounts with a reported name that is different that mine .I dont recognize the accounts in question.The reports shows I owed money to an account that is not mine .The current status of my account is not correct.
Consumer complaint received 2017-05-02
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. (IA)

To whom it may concern, I submited a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the dispu ted information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer
Consumer complaint received 2024-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried to call CapitalOne almost everyday, basically they all told me they are working on it, no one is giving me a definite answer. My credit score dropped from XXXX to XXXX because of a fraud charge from CapitalOne. I need CapitalOne to report the correct information to credit bureau to fix my credit score
Consumer complaint received 2023-06-02
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. (FL)

This account has been disputed back in 2022 and this account DOES NOT BELONG TO ME NOR AM I RESPONSIBLE FOR THIS ACCOUNT. The bureaus nor the creditor was able to prove to me that I was the owner and by law that Is illegal and everything has to be removed per 15 usc 1681b! I am so disappointed with the companies and I do not want to have to take legal action. I am giving you all 1 more chance to make the situation better and finally FIX THE ISSUE BY REMOVING THE FRAUD ACCOUNT THAT DOES NOT BELONG TO ME FROM XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I had a secured business credit card with Bank of America. I closed the account and am waiting to receive my money back and they are making me wait XXXX days and two billing cycles. The amount that I'm waiting on is {$2000.00} that I deposited to receive the secured card. Is this normal?
Consumer complaint received 2023-07-26
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: Credit Corp Solutions Inc. (NH)

On or about 2019? -earlier? There was another XXXX? XXXX that had information posted to my report. 
I didnt realize any of this in till the Sheriff was gon na serve me papers from a collection company. However upon investigating, I was NOT the same person. 

The last item to have removed is being difficult. The personal loan has been bought and sold and transferred. 

Ive never received any information on loan it was just on my report. I reached out once to get a copy of paperwork that the claim was referring to. All I got was BLANK application, instructions etc. 
Now, why would I fill this out and return it? That would be giving them all information about me that they dont have.I would like to see : 1 ) APPLICATION 2 ) APPROVAL INFORMATION 3 ) PAYMENT TO BANK? CHECK?

Ill do a police report if needed
Consumer complaint received 2021-11-30
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. (ND)

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following identity theft : XXXX ACCOUNT ALL INQUIRIES
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (CA)

Since XX/XX/2023, I have contacted XXXX multiple times about my missing credit card from their credit report. They do not acknowledge nor report my credit card from Citibank. I have contacted them over 4-5 times about this issue and they kept giving me the run-around, and it's already been 6 months and STILL they are not reporting my credit card from Citbank. I have contacted Citibank about this twice, and each time they have told me that they have asked XXXX to report the missing credit, but XXXX refuses to do so for some strange reason. 
Both the other 2 credit bureaus, XXXX and XXXX show my credit card from Citibank. ONLY XXXX have refused to report my credit card from Citibank. I have tried calling them. I have tried mailing in forms requesting they report my credit card. Nothing. They have refused every attempt with no good reason at all.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

Called to get XXXX {$36.00} overdraft fees totaling {$72.00} reversed because their program of offering reversals failed to detect my XXXX transfer of funds to bring the account current. They say the funds were deposited at XXXX PM even though they were sent around XXXX pm central today. 

Due to this error it revoked the ability to reverse the fees. 

A representative named XXXX answered my call and consulted with a XXXX XXXX XXXX to reverse the fees. She told me she was approved to reverse them. 

Upon hanging up I saw only XXXX was reversed. I called back and obtained XXXX XXXX who said he only approved XXXX which means I was given invalid/deceitful information to get me off of the phone call. 

I continued to press for the fee refund and while XXXX remained professional throughout the call and continued to deny the second fee reversal got in a snide Thanks for being so unprofessional right before hanging up the call. 

This is unacceptable. I expect a reasonable resolution to this concern or I will retrieve the call recordings from the XXXX phone system I called from to make them public.
Consumer complaint received 2017-05-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IL)

I first addressed this issue with my bank, PNC, with the help of CFPB in early  XXXX , and the issue was taken care of. However, the exact same issue is now happening again, and I can not find anyone from PNC that will take the time to speak with me and correct my account. I 've attached a File with the charges, amount, description and date.     PNC Bank has charged over {$680.00} to my checking account since  XXXX   XXXX . These charges/ fees are overdrafts and item fees, despite the specific requirement of my account not allowing any overdrafts. I have spent countless hours trying to fix this, but all PNC wants is money that my account did n't have in the first place just to cover their fees and charges.