davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/2024 I attempted to open up a Citizens bank online. I was greeted with this message : " Thank you for your application. 

Were sorry, but we are unable to open your account at this time. 

Our decision was based on information provided to Citizens by XXXX XXXX XXXX. XXXX XXXX XXXX did not make this decision and is unable to provide you with specific reasons why we are unable to open your account. However, you have the right to receive a free copy of your consumer file from XXXX XXXX XXXX provided they receive your request within sixty ( 60 ) days from today. '' I've also attempted to open up accounts in the past, including in person which generally result in the account opening successfully, then Citizens back office closing the account without explanation. Last successful account opening was acc : XXXX which Citizens closed without explanation.
Consumer complaint received 2024-02-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I leased my XXXX XXXX XXXX in XX/XX/year>. I then did a buyout of the car online via hmfusa.com for the remainder of what was owed on the car. In XX/XX/year>, I filled out and sent all the necessary paperwork to proceed with the buyout/title transfer.

HMF has not given me the title for my car. I have called over XXXX times now over the span of XXXX months for an answer to this issue. They wont give me an ETA of when they will send the title of the car to me. The car has been paid off for over XXXX months now.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MO)

This company is intentionally furnishing inaccurate information on my consumer reports, and it is doing significant damage to my reputation as seen with XXXX, XXXX, and XXXX. Their misreporting has been lowering my credit score each month because they continue to report 180-day late payment notations on my account every month. A consumer can not be 180 days late each month. Late payments progress every 30 days. This is behavior is inappropriate and unprofessional. I have already disputed this issue with them and the responded stating that the information being reported was accurate. They are in violation of the Fair Credit Reporting Act 15 USC 1681s-2. Supporting documents including a letter intended to notify the company that the account is hereby disputed is attached to this complaint.
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (TX)

My bank contacted me to inform me that my identity was stolen and had to come in to set up a new account. After carefully reviewing my credit report my identity was sold and bought illegally. I want these accounts removed from my credit report immediately.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I received a statement at the end of XXXX stated that my XXXX payment would change from XXXX to XXXX. I was told that I owed an escrow balance from my pervious mortgage company. I asked a statement showing the balance and all applied payments to that company. I received a statement outlining my escrow for SPS but nothing about the previous carrier.
Consumer complaint received 2023-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-14
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. (TX)

I have contacted the SBA as of XX/XX/2022 about this issue of them having the wrong person in this bill. I have filed the FTC report for identity theft and have not gotten a response from them on this. I have made MULTIPLE calls to them in which they have given me contact emails and numbers that DON'T work!
Consumer complaint received 2021-08-27
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. (KS)

ON XX/XX/XXXX I tried to contact XXXX  to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX  XXXX  : # XXXX XXXX XXXX  : # XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

The credit union keeps using different names of themselves on XXXX and XXXX and experian. When you make a payment you never know what listing they will put the payment under and then it shows lates on the other name. 
The credit union is called XXXX XXXX but they also use their former name as XXXX XXXX XXXX. They list XXXX XXXX is listed on my Experian reports but XXXX XXXX XXXX on XXXX and XXXX XXXX. I have two loans with them, The first is a auto loan, and they will not send me a copy of the title or lean holder on the car, and the other loan was a forced loan on me, They were supposed to refinance my home last year but then they refused me and charged me {$500.00} for a home inspection that they never did and forced me to take out a {$1200.00} loan to pay it. So now I have a double payment to them. I am XXXX and have a social security limited income of {$1000.00} a month. Now I do not have enough money to eat every month. They never explained the truth in lending and never provided documents on it. So I have a reporting problem with them, because they use different names on different credit reporting companies and a truth in lending problem with the contracts. They also keep changing information on my credit reports. They never tell me what they are doing or what they are reporting. They have lates listed on all the reports as 30 and 60 days. But they did skip a pay for me when I got out of the hospital from XXXX XXXX. Then sent me a new contract to sign by way of internet that was blurry and blotted out so I could not see what they did and said that I had to sign them over the internet or they was going to take me to court and sue me to garnish my social security check and medicare. I feel trapped in this and fear that they will take away my social security check every month and take my car away from me so I can not get to my medical appointments. I never gave them permission to report anything on my credit reports. I need my privacy on this matter to due to my health.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2024, I logged into to my XXXX 's Capital One account, which I am enrolled in their automatic payment plan. 
I paid a past due balance ( {$790.00} ) and the current monthy due payment ( {$790.00} ) with a payment of {$1000.00} This payment was ackknowledge by my bank, XXXX XXXX XXXX XXXX ( XXXX ) as follows : ELECTRONIC WITHDRAWAL CAPITAL ONE ONLINE XXXX - {$1000.00} Post Date : XX/XX/2024 Type : ELECTRONIC WITHDRAWAL The next day I logged to my XXXX 's Capital One account again to check the balances. It showed CapitalOne receiving the payment as follows : XX/XX/XXXX Payment from XXXX XXXX XXXX XXXX ... XXXX Payment XXXX XXXX... XXXX - {$1000.00} Posted : Sat, XX/XX/2024 Source : XXXX XXXX XXXX XXXX ... XXXX Method : Online Confirmation Code : XXXX On XX/XX/2024 I logged in to my XXXX account and found that XXXX had withdrawn another payment : ELECTRONIC WITHDRAWAL CAPITAL ONE CRCARDPMT XXXX - {$790.00} {$0.00} Post Date : XX/XX/2024 Type : ELECTRONIC WITHDRAWAL I then logged on to CapitalOne and found their ackknowledgement of received payment. 

XX/XX/XXXX AutoPay from XXXX XXXX XXXX XXXX ... XXXX Payment XXXX XXXX... XXXX - {$790.00} Posted : Mon, XX/XX/2024 Source : XXXX XXXX XXXX XXXX ... XXXX Method : AutoPay Confirmation Code : XXXX This basically wiped out my XXXX account. When I called CapitalOne to explain this and return the money. I got the run around. Basically saying I would have to wait 5 days before asking for the payment back. I immediately asked to a She also said I'd have to wait 5 days to make the request so that they can verify the payment.

I told them both my bank and CapitalOne acknowledge receipt of the payment. The supervisor then made a conference call to XXXX, with me on the line, in order to verify the payment was made. 
XXXX acknowleged the payent. 
I don't understand why the supervisor did this, since they already confirmed they had the money on my payment history. 
She then said she would put in the request to return payment now, instead of waiting 5 days. buHowever she said it would take XXXX weeks to process the return. 

I said this is paramount to double billing me. Not very legitimate. 
They get to keep the money to make interest on it while I suffer the consequences. I asked her how am I supposed to pay my bills without the money in my account. 
I'm retired, self employed and on Social Security. SS only pays out once a month. My XXXX XXXX  barely averages to about {$150.00}, and is not on any kind schedule. I get paid only when I complete jobs. 
I then asked, who is going to be responible for any late fees or penalties I incurr because of this. No response other than to say this is our process. 

I have attached transactions acknowledgements from my bank and credit card
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I tried to resolve this early in 2022, and assumed the loan was real since I have two masters degrees from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but XXXX refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my XXXX and Equifax and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX in XXXX XXXX with student loans, I called to get into the REPAYE program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that XXXX is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and XXXX has never been my servicer. All my student loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet XXXX is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
Consumer complaint received 2022-12-03
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: HOVG, LLC (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fr purpose.
Consumer complaint received 2024-03-21
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but heir inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and remove incorrect information from my report. By two monitoring website XXXX and XXXX XXXX I have no late payment on accounts bellow, but at the same time XXXX sent me letter with stating that I have late payments on these. 
1. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but heir inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and remove incorrect information from my report. By two monitoring website XXXX and XXXX XXXX I have no late payment on accounts bellow, but at the same time XXXX sent me letter with stating that I have late payments on these. 
1. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (PA)

I am writing to dispute the validity of the collection account associated with XXXX XXXX  on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in PA XXXX If the statute of limitations has expired, the debt should no longer be legally collectible. 3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX  reported my account late in XXXX of 2022 but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid late.
Consumer complaint received 2023-07-18
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. (NY)

In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-12
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. (GA)

Back on XX/XX/2021, I contacted TransUnion & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX XXXX I informed them & provided documents stating that this account needed to be removed as XXXX XXXX XXXX is committing several FCRA violations. Thus far, TransUnion has refused to remove that account. At the same time that I contacted TransUnion, I also contacted XXXX XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX XXXX  via mail dated XX/XX/2021, that this account does not exist. Therefore TransUnion immediately needs to delete / remove this fraudulent account from my consumer report within their database.