davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Both of my BOA accounts were closed recently, close out checks received today XX/XX/13, for remaining funds in accounts. Previously, I spoke with XXXX XXXX in Executive Office, she confirmed accounts were closed due to to unverified information on application, which she would investigate and confirm exactly what is unverified. Further, she said she would look into pending debits in amounts of {$20.00} and {$10.00}, funds transfers from my XXXX account to BOA accounts. According to her, these transactions should reverse back as accounts are closed, it appears they have not. I have attached screen shot showing cleared as of today, XX/XX/13, no reversal as of yet.. I left a message for XXXX today as well, no call back as of yet..
Consumer complaint received 2020-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : BANK OF AMERICA XX/XX/2020 2020
Consumer complaint received 2020-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DE)

today, XX/XX/20 I tried to get pre-approved for a mortgage through my credit union. I was told I was unable to get aproved and that my Equifax credit report was much less that I anticipated. I called Equifax, after placing a dispute and waited on hold for nearly an hour before getting hung up. I called back, waitied another 70 minutes and finally got through to soneone who had no clue how to help me. I asked to speak to a supervisor, who i was placed on the phone with. Agian, after asking some questions he hung up on me as well. It's crazy to believe these representives, who barely speak english and have limited ways to help are the solution to trying to get help and ultimately a mortgage.
Consumer complaint received 2020-04-14
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: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-04-13
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: CITIBANK, N.A. (FL)

Macy 's did a hard credit pull on my credit report without my permission. I have not done business with them in years and my account has been closed for years. They were not authorized.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, XXXX XXXX or Equifax. The card is not prepaid, ALSO my credit score was in the mid 500 at the time I applied, now my score on XXXX in reflecting XXXX, XXXX XXXX uses XXXX XXXX which reflects XXXX, TransUnion reflects XXXX and Equifax shows no score. XXXX XXXX Fails to report my score to XXXX, XXXX XXXX and Equifax which does not help my bank with the application for a home loan.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to Experian, XXXX XXXX or XXXX. The card is not prepaid, ALSO my credit score was in the mid 500 at the time I applied, now my score on Experian in reflecting XXXX, XXXX XXXX uses XXXX XXXX which reflects XXXX, XXXX  reflects XXXX and XXXX  shows no score. XXXX XXXX Fails to report my score to Experian, XXXX XXXX and XXXX  which does not help my bank with the application for a home loan.
Consumer complaint received 2020-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Due to the coronavirus lockdown in XXXX, Texas, I lost 100 % of my income as of XX/XX/2020 when my governor declared a state of emergency and my city/area went on lockdown. 

I contacted Capital One Auto Finance on XX/XX/XXXX and spoke to the customer service representative and told her the situation, and that I lost my income and would not be able to make payments until this was lifted. My two biggest concerns were delinquency reported on my credit report and repossession of my vehicle during this crisis. 

I stated that I would not be able to make a payment until the lockdown was lifted and I was able to make an income - and what was Capital One doing to help people through this without destroying their credit. At that time, it was not an option for self-employed people to receive unemployment nor receive the SBA small business loans - both of which were signed into law on XX/XX/XXXX, after I made this call. 

At this time, the customer service rep stated that my loan was not far enough into delinquency to take any additional action and that I was not currently eligible for my current payment to be moved to the end of my loan term ( added on payments ), that I would need to wait until the loan was past the 30-day delinquency and call again sometime after my next loan payment was due to see what was available at that time. I " may '' qualify for two payments to be added to the end of my loan agreement. 

Today I received a notification that Capital One reported a delinquency on my credit report as of XX/XX/XXXX! This will now remain on my credit report for 7 YEARS! And all due to the coronavirus lockdown. I am now on week five of brining in zero income and still awaiting unemployment and SBA small business disaster relief, like millions of other self-employed individuals. 

I was told on the XXXX when I called that Capital One based on what I was told, my understanding was that delinquencies would not be reported delinquencies nor would any repossessions initiated during the lockdown. 

On XX/XX/XXXX, I contacted Captila One again. I spoke with Agents XXXX, XXXX and then XXXX  with the office of the president. XXXX informed me that she would be escilating my case higher up to see what could be done about the report to my credit. She stated that it is the LAW, even during the coronavirus, to report deliquencies. 

Those of us who are self-employed - or have lost their income through this virus and lockdown - and are 30 days late on payments are being punished for the next seven years due to something completely out of our control! It is unconscionable that during such a crisis that we have to fight with lenders when literally millions of Americans are without an income for the foreseeable future.
Consumer complaint received 2020-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WI)

They totaled out the car - XXXX sent the money and it has been credited, I also was sent the salvage title, but NOW XXXX the gap insurance hasn't done there part and we are still being billed for the rest. This shouldn't take 6 months to get done.
Consumer complaint received 2020-04-13
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 (CA)

I had a {$95.00} annual fee post for a Capital One Savor credit card on XX/XX/2020 that I hadn't been using. I called Capital One and explained that I wasn't using the credit card and wanted to know what my options were. I was advised that I could change the card to a no fee card and that the annual fee would be refunded. I did this and on XX/XX/XXXX the change happened the day after the annual fee was billed. 

I assumed that the information that I had received was correct and thus did not revisit the card as I wasn't using it. To my displeasure I discovered a month later that nothing had happened to the fee and I was no being charged with a late fee and interest ( totaling {$26.00} ) as well as perhaps being reported as delinquent to the credit bureaus ( at least my final conversation with a representative made it sound that this was the case ). 

I called Capital One on XX/XX/XXXX to ask about this and after getting passed around I ultimately was told that they would research my case and call me back within a week. I called back one week later on XX/XX/XXXX to follow up. I first talked to a representative by the name of XXXX with ID # XXXX and he passed me along to XXXX # XXXX who apparently was the highest level of person one can talk to on the phone. She informed me that the company ( someone other than her ) had made a decision that it wasn't going to do anything. 

Apparently, contrary to the advice I received fees are only refunded for cards that are cancelled and not " upgraded '' although the " upgrade '' in this case was to a card with no annual fees and without the special benefits that I was paying a fee for. Asking who else I could talk to she said she could give me the corporate address, but when I inquired there was nothing special about said address. It was their public address. I also asked for a number that was attached to my internal request and she said she could not provide one. 

I then asked that since I was having to pay the fee for the card that I at least be given the card back so that I could get the benefits of said fee. She said this could not be done. In the end I was left no choice but to pay the {$95.00} annual fee for a card that I did not possess and could not benefit from. She waived the late fee and interest.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (CA)

I am writing to formally dispute the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history.

I would like to draw your attention to the following account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you update my accounts information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history.

Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. In accordance with the Fair Credit Reporting Act, I also request a copy of the corrected credit report once the necessary adjustments have been made.

Please confirm receipt of this letter and provide an estimated timeline for resolving this dispute. If further clarification or documentation is needed, I can be reached at the contact information provided above.
Consumer complaint received 2020-06-13
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: Experian Information Solutions Inc. (GA)

On the date of of XX/XX/2019 an inquiry that I did not authorize was generated on my credit report by Clarity services Inc . Upon knowledge of this information i disputed this with the credit bureau to know avail. I then attempted to reach out to the creditor to get proof of authorization for this inquiry as the federal law under the frca company 's are supposed to have but to no avail.
Consumer complaint received 2020-04-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

I took out a loan on XX/XX/2020 for XXXX from Cash Store / Cottonwood Financial in Texas. The first payment was to be paid on XX/XX/2020 for XXXX. My household had a financial hardship and I couldn't pay the loan, so I asked for a EPP, extended payment plan, with the store manager, before the due date. I understood I owed a debt and wanted to take care of it. They said they would have to turn the account over to corporate collections and after waiting to hear from Corporate Collections I was told there was no EPP. I contacted XXXX XXXX and XXXX ( debt settlement company in Florida ) to help with my debt. They drafted a settlement offer that Cottonwood Financial rejected. I then started to receive calls from Cottonwood Financial and agreed to pay them directly at 10 % of the account balance for 10 payments. I received a letter on XX/XX/2020 confirming my commitment of a payment for XXXX on XX/XX/2020 and then on the XXXX thereafter, the account balance is XXXX. I then received another letter on XX/XX/2020 basically stating the same thing. I made my payment on XX/XX/2020 in the amount of XXXX. Today XX/XX/2020, I received a call asking me to take out another payment and I asked if I could move it back to the XXXX because our household is affect financially due to the Covid-19 pandemic. The man was rude and said we had an agreement but might allow this concession. He then told me he had to change our agreement to a higher dollar amount because there was a delay/payment reporting error in their system and they said the balance was XXXX and he would have to raise my payment to XXXX per month. I told him we had an agreement and I agreed to pay the promised amount per the 2 letters I received. He said he will draft new letters and disconnected the call. I called back and spoke with a lady that said the payment posting errors were my banks problem and I had to take it up with them. She stated the balance of XXXX and I can pay whatever I want and they will collect their money. She then said we had been on the phone too long and hung up. I was trying to tell her I agreed to pay the XXXX for 10 payments like we agreed to do based on my new payment agreement, but she hung up.
Consumer complaint received 2023-01-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have contacted Capital One in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, XXXX XXXX or XXXX. The card is not prepaid, ALSO my credit score was in the mid XXXX at the time I applied, now my score on XXXX  in reflecting XXXX, Capital one uses Credit wise which reflects XXXX, XXXX  reflects XXXX and XXXX  shows no score. Capital One Fails to report my score to XXXX, XXXX XXXX and XXXX  which does not help my bank with the application for a home loan.
Consumer complaint received 2020-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2020 USAA Complant 1 ) VIRUS SCAM DEMANDING {$630.00} PAID ON A CARD USAA IS AWARE I DID NOT OPEN. see FTC ID THEFT case XXXX. Complaint 2 ) Called today XX/XX/2020 TO STOP THE COLLECTION ATTEMPT & USAA COULD NOT VERIFY ME. There were No Public Record Questions to answer. I WAS AGAIN UNABLE TO STOP USAA HARRASSING COLLECTION ATTEMPS OF AN ACCOUNT I DID NOT OPEN DURING A COUNTRY EMERGENCY VIRUS SITUATION.
Consumer complaint received 2020-04-13
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX  XXXX {$680.00} XXXX  XXXX {$10000.00}
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-13
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

This company regularly reports the wrong information to the credit Bureaus. They falsely reported that I paid XXXX, XXXX, and XXXX ( 2020 ) late. They adjust my balance by {$8000.00} up and down every month which swings my credit score by 50 points. Due to these mistakes, my credit dropped from XXXX to XXXX since XX/XX/2020.
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (FL)

XXXX XXXX did a hard credit pull on my credit report without my permission. I have not done business with them in years and my account has been closed for years. They were not authorized.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I purchased a mens suit at XXXX XXXX XXXX. I paid for it in full and left it there for alterations. The bill I have shows an additional charge for alterations and it was to be shipped to me.I never received it so I called American Express on XX/XX/XXXX to dispute the charge since I paid for it in full with my AMEX card. They credited my account. They gave me a reference # XXXX and then sent me a letter saying they reversed their decision. Since there was not an explanation why I called them again and also sent letter explaining it once again they credited it again and then reversed it again. Today XX/XX/XXXX I have spent 5 hours so far trying to resolve this. I have asked AMEX repeatedly to tell me who they are communicating with and what documents they have and if they have been provided any proof that I received the suit. I have not been able to contact the Vendor because the have closed and have declared Bankruptcy. Which raises the question who did AMEX pay and why did they pay it.Clearly I can not hold XXXX  responsible and the Judge for the XXXX District of XXXX XXXX is not going to be interested in hearing from me. The XXXX  can not offer any help so I need to enlist your help in resolving this situation since AMEX has not been helpful at all. Thank you.