davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/20 I spoke with a Rep named XXXX about my Capital One credit account. Due to sickness and the pandemic, I had accumulated several late fees. I asked assistance on getting my account caught up. XXXX informed me about " XXXX XXXX XXXX '' that would help me. I was to agree to pay {$60.00} that day and put the account in good standing. She also set the account up for auto pay from personal checking account. The next month on the 9th day I noticed that there was no debit from XXXX XXXX. After waiting a few days, I contacted them XXXX XXXX. They informed me they had no record of me setting up Auto pay. They also refused to remove the late fee. My account fell behind once again. Since then I have made monthly payments. About 3 weeks ago my bathrooms flooded and I had to leave my home for some time. The day my XXXX XXXX payment was due, I made the payment online around XXXX due to the remodel going on in my home. XXXX  XXXX applied a late to my account stating that payments made after XXXX are processed the next day.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AZ)

Hello, I have had my Discover Secured credit card for about a year and a half and opened my account early 2020. I was told after 7 months of holding my account I would be upgraded to unsecured. I have reached out a few times and they say that they have no control and that the computer decides for them. In the time I have opened the account I have established a {$26000.00} car loan and have never missed a payment, have gotten a car lease and since payed and closed the account with zero missed payments, currently hold a {$400.00} loan with perfect payment history, a Military credit card with an {$1100.00} credit limit with zero missed payments since opening a year and a half ago, a XXXX XXXXXXXX unsecured card with perfect payment history, and an XXXX XXXX XXXX with a {$1500.00} credit line and perfect payment history. I have roughly {$4200.00} in credit between my five credit cards and have never missed a payment on any. In my 16 months of holding a Discover Card and always making my payments on time I feel it must be some type of error that I have not been unsecured at this point in time and Discover will not look further into my situation.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have sent several letters to All Three major credit reporting agencies and the creditors to dispute any/all inquires that I do NOT recognize and they still refuse to remove them from my report. 

These inquires are as listed : Equifax Inquires- XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX Inquiries : XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX  XX/XX/2021 , XXXX XX/XX/2021. 

XXXX Inquries : XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXXXXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CO)

Had problems with Shellpoint Morgtage Servicing Co applying my monthly morgtage payments as they used wrong a personal bank account number to withdraw funds to pay monthly morgtage payments, they claim I did not pay XX/XX/XXXX on time, but, I had sent them a payment of {$4500.00} on XX/XX/XXXX, with confirmation numnber XXXX, and I talked to a person in collections named : XXXX XXXX, who stated that those funds were " just sitting there '' and were never applied to my morgtage payments, therefore, " I never missed any monthly morgtage payments and the Morgtage Servicing Co should not have reported me to the credit bureau who, based upon the report from the morgtage servicing Co, the Credit Bureau lowered my credit rating from XX/XX/XXXX of XXXX, to XXXX in XX/XX/XXXX. I feel that is a wrong report because I NEVER ever missed any monthly morgtage payments, the morgtage servicing CO just did not apply the funds I sent them for whatever reason. I just need them to issue a correct report that I have never missed any monthly morgtage payment. I even sent them fees for late payments which I feel they should return to me and they also charged me NSF fees, even when I have always maintained sufficent personal bank account funds which I can prove by the balances on my monthly bank statements and also, all payments made to Shellpoint made on time with confirmation numbers issued by them from their online site.
Consumer complaint received 2023-05-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

URGENT - Failure to Adhere to Fair Credit Reporting Act ( FCRA ) Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention an alarming violation of my rights as a consumer, as stipulated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/2023, I submitted legitimate dispute letters to XXXX, XXXX, and Equifax, the three main credit reporting agencies. According to the FCRA, they are obligated to respond to my dispute within a 30-day window. However, despite the ample time given, I regret to inform you that I have yet to receive any communication from these agencies regarding my dispute. 

This failure to respond within the stipulated timeframe is a clear violation of 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA. The unresponsiveness of these credit bureaus has not only left my dispute unresolved but also demonstrates a blatant disregard for the regulations designed to protect consumers like myself. 

I respectfully request your immediate attention and intervention in this matter. It is vital that these agencies are held accountable for their compliance with the FCRA, and that my rights as a consumer are safeguarded. 

I appreciate your time and prompt attention to this urgent issue.
Consumer complaint received 2021-06-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX and XXXX of 2021, I filed a dispute with XXXX and Transunion about the unverified account XXXX/Account number XXXX and XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX was remove from XXXX because it was deemed unverified, but XXXX and Transunion have yet not removed it from their reports yet and I have asked for their methods of validation several times. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-06-25
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-25
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: EQUIFAX, INC. (MD)

I have contacted each bureau by certified mail to have proof of verified debt. I ahve not received any response back verifying the debt belongs to me. Here are the items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( 5 accounts )
Consumer complaint received 2021-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit, Inc (FL)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

VW CREDIT XXXXXXXX {$17000.00}
Consumer complaint received 2021-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accountsthat does not belong to me and i want it to beremove asap. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-06-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (CA)

On XXXX I walked into XXXX XXXX of XXXX and walked out with a brand new XXXX XXXX XXXX. 

On XXXX I was called back in to resign a whole new contract, lowering my total and monthly amount. 

On XXXX I was called back in again to try and add a co buyer or return the car. So I brought my brother in law with me to apply, he did, but was denied. They then told me I needed to empty my car out and return it to them. Ca state law says that after 10 days they become my lender, well they dont want to lend to me so the salesman reached in my car and took my keys out of the ignition and kept it from me. I was also told that if I left the premises with their property that they would call the cops on me. Which they did not, because when my spare was brought to me, I left with the car and no cops were called. 

On XXXX my first car payment was due. They would not provide me with an account number and never sent me a welcome letter with any info on how to make payments and where to make them to, so I made two money orders ( which I still have ) and took them down to the dealership, they denied my payment and said Id be receiving something in the mail from their business department, which I did not. 

On XXXX I took my car to XXXX to get a routine maintenance oil change, when I should be able to take it to the dealership to get it for free, but they bullied me so bad, that I was scared to take my car down there and leave it with them because then they could say I just surrendered it. 

On XXXX my car was repossessed from my apartment complex in the middle of the night. Leaving me with no way to work or make money.
Consumer complaint received 2021-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (DE)

On XX/XX/XXXX I financed a car through Bridgecrest. At the time I believed that the interest rate was accurate at 26.314 %, however, on XX/XX/XXXX, upon refinancing the loan with another lender the interest rate dropped to 7.25 %. Bridgecrest would not work with me to lower the interest rate.
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc. (FL)

To whom it may concern : I AM A VICTIM OF IDENTITY THEFT, THIS ACCOUNT DOES NOT BELONG TO ME. 
As per my XXXX credit report, MJ ALTMAN obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with MJ ALTMAN. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via CFPB.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

I have written letters to Navient Private Student Loans and XXXX  XXXX XXXX XXXX Credit Department for them to remove the incorrect remarks off of my credit report. The comments on my credit report reads as follows : Dispute Resolved/Consumer Disagrees. This comment is preventing me from moving forward with me purchasing a home. My lender from XXXX XXXX XXXX, tried to pull my credit file and could not obtain the file due to XXXX  having a block on the file and the incorrect comments that I have mentioned previously. I am so tired of going back and forth with these agencies. I am really tired and I need someone to intervene between these companies. I have written letters in XXXX, XXXX and XXXX of 2021 and nothing has happened. I need to move. My son and I are living with someone and she wants us to leave and I need to move. I have gone through XXXX XXXX XXXX XXXX  workshop and worked and repaired my credit and now I am at the point where I can go to a lender for financing and this obstacle is preventing me from moving forward. 

Please help, Ms. XXXX XXXX
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Acceptance Company (PA)

On XX/XX/2020, at XXXX, XXXX XXXX from Commercial Acceptance contacted me on my home phone regarding 3 ambulance bills ( 3 separate original creditors-all for ambulance services ). After being advised of the debt, I explained to her I can offer to settle at 50 % of my debt ( with tax season approaching and other financial obligations, I'm trying ) She then went on to say, her clients will not accept that amount and to have a good day, then hung up immediately! There was no time to respond to her nor even offer any type of payment arrangements on my debts. This isn't the first time she has done this. She did this is exact same thing a few times within the past few years. I called the number back and spoke with a manager named, XXXX. I explained this was very unfair and I find it abusive. It is my understanding, as debt collectors, they are to be very professional and alert debtors they will be ending the call instead of abruptly hanging up when they don't get that credit card information. I asked XXXX  to remove my number and not call again. She said to put it in writing or there's nothing they can do. I shouldn't have to put it in writing to request calls to stop. It is harassment to call someone and not even give other options! Not even so much as a payment plan. This is rude and unfair, especially considering I'm trying to do what I can to rectify my debts. I am a new stay at home mom and the calls being made are constantly waking the baby during nap time. I try to answer when I can but not always possible. Not to mention, I am emotionally disturbed and stressed as I'm trying to take care of the debts and I should be able to defend myself with this type of situation taking place. I feel targeted, as if I'm being backed into a corner. Being a mother of XXXX, I can't just put my kids ' needs aside to pay {$2000.00} ambulance bills all at once.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/28 I did on online deposit to my Capital One bank account with a check issued by XXXX XXXX XXXXXXXX XXXX he amount of XXXX. There seems to be a glitch in the system but by hte end it looked like it went through, On XXXX I checked my account and the funds were not there. Thinking the glitch was the issue I redeposited the check. On XXXX that check was returned as a duplicate submission however I still did not have credit for the funds in my account On XXXX I called the Capital One they asked that I call the issuer ( XXXX XXXX and XXXX XXXX XXXXXXXX ) and see if the check had cleared the bank. They send me a copy of the cleared check stating that the orginal deposit on XX/XX/28 had been received and that Capital One in fact had my funds on XXXX from the orginal deposit. The back of the cleared check clearly shows the funds went into Capital One on XXXX R/T XXXX Seq number XXXX on XXXX there are more numbers R/T XXXX and sequence number XXXX I called Capital One again and was told I was wrong there was no XX/XX/28 deposit. I offer to send a copy of the check they said they did not need it, that there was no deposit. That I should not have credit. I escallated, was told the same thing. I called back again and they again pretty much said I was wrong. Again I asked to just emaila copy of the check so we could look again they told me no. I asked to go up a superivosr level and was told no. I asked to speak to another rep and was told hang up and call back. I will admit I was rude as this is XXXX and I was frustrated, I had been patient for two weeks., Captial One clearly has the funds in their system. They are holding my money without my authorization in effect stealing my money. I am not sure what to do at this point hence the compalint. Please help me get my funds, I can not ask them to reissue the check as it has already cleared the bank. I have copies of all documentation but Capital One will not consider looking at it.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

I can not use XXXX  to sign into my bank account in apps that require it, for example XXXX and XXXX. PNC is blocking sharing my banking history and does not allow traffic to third party data-providers : XXXX  : XXXX
Consumer complaint received 2021-06-25
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: CITIBANK, N.A. (FL)

I have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX 1. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Experian Credit Bureau is reporting an account XXXX XXXX XXXX XXXX. However, the account dismissed by Michigan District courts in XX/XX/2019. I have been providing the court documentation for several years now. In addition, I have spoken to various representative and every representative tells me their are no supervisors available to speak with me and someone will call me back. However, I never receive a callback from the supervisor. I asked for Experian laws & requirements as it relates to FCRA. The representatives refuse to provide the information and tell me to get the information from the Federal Trade Commission. Experian acknowledged the documentation is legitimate. However, they are still reporting false information on my credit report for over 2 years.