davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a XXXX party nor was it filed in error. 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.
Consumer complaint received 2022-11-03
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. (MO)

I have contacted the XXXXXXXX XXXX  myself, and they have failed to validate that this is indeed mydebt. I have copies of my requests to the XXXXXXXX XXXX  asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. That is because this alleged debt does not belong to me.XXXX XXXX was unable to provide me with the original contract with my signature because none such exist. With no proof of this alleged debt belonging to me Experian you must delete from my credit report immediately. 

Plus the collection agency has provided you with a false and misleading medical account with my name attached to it. You are also not supposed to share anyones medical information without their authorization. So you have now shared someone elses medical information and cost and locations on a strangers credit report? ..which is me. WOW! You have really dropped the ball on this one Experian. This account is not reporting 100 % accurate. You also failed to even note that I the consumer disputed this account on MY credit report, you are really not following the rules. So now you pick and choose which information you WANT TO REPORT on my credit reports. I know that the negative accounts make you more money!
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

XXXX sent me wrong item, took the item and then told me there was nothing I can do. So I went to my credit card company " citi '' and they sided with XXXX because XXXX told me to send nothing to my credit card company " they would not give me proof ''. XXXX also said they received the product and will be refunding me but haven't yet because now it is on infinite loop for " item being sent back '' ... Then proceeds to ghost me.
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX, Transworld Systems inc has sent me a debt collection notice for a debt stating I owe XXXX that I do not owe XXXX XXXX. I have spoken with XXXX XXXX and the Customer Service person did not find any such debt. The amount for collections reminded me that the amount asked for is simular to the amount I asked XXXX to help me pay. I was refused XXXX assistance.
Consumer complaint received 2020-09-27
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. (NC)

I've tried reaching out to XXXX XXXX XXXX XXXX Credit Card Services due to status not updated on my credit reports for XXXX, XXXX, and Experian. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance back in XX/XX/XXXX and have not used the card since then. I reached out to the company on XX/XX/XXXX to request the account to be closed, but the company never updated the Closed status. I've requested a number of XXXX XXXX cards to close, and this card is one of the two out of nine credit cards I've requested to close that did not. Its the end of XXXX and the status is still not correct.
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (DE)

Purchased at XXXX XXXX XXXX on XX/XX/XXXX 4 months later at XXXX miles I took the vehicle for a oil change to the car store as well as to identify an additional problem an change was preformed on the vehicle was returned to me I made it XXXX mile and the vehicle broke down I only had the vehicle XXXX  months at this time and put just less than XXXX miles when I returned it for a oil change and a possible XXXX XXXX XXXX and scheduled a appt to return the vehicle for service they car store applied for this loan and was paid a large amount of money for a vehicle that lasted 4 months I continue to pay this loan until recently and have heard nothing from the car store to justify they why they were paid and now didnt care and this XXXX XXXX  struggling to make it now has no car and is liable for a loan for a vehicle I havent had since XXXX  months after purchase please help tried to beg this man XXXX XXXX for any help and he continues to note this is my fault I also purchased all additional warranties to also help make sure I wouldnt be with out a vehicle I dont know what to do or ask for help but this will effect my future when trying to make any other cars or housing in the future
Consumer complaint received 2020-09-27
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. (NC)

I've tried reaching out to XXXX XXXX  XXXX XXXX Credit Card Services due to status not updated on my credit reports for TransUnion, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance back in XX/XX/XXXX and have not used the card since then. I reached out to the company on XX/XX/XXXX to request the account to be closed, but the company never updated the Closed status. I've requested a number of XXXX XXXX cards to close, and this card is one of the two out of nine credit cards I've requested to close that did not. Its the end of XXXX and the status is still not correct.
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

Account was closed and GAP claim was cancelled now my account is back open and no one can give me an answer as to why. 
My car was totaled on XX/XX/XXXX the insurance company overnight a check on XX/XX/XXXX. After waiting several days the check could not be found so I had the insurance company call and Santander said the check went to the wrong address and to wait they'll get the check eventually. I had the insurance company void the check and overnight another check on XX/XX/XXXX. That check was received and the amount posted to my account was short by almost {$700.00}. I spoke with several people and finally the account was reviewed and corrected on XX/XX/XXXX. My account was closed on XX/XX/XXXX and then back open on XX/XX/XXXX with a new balance. And every time I call I get a different answer.
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

I received a consumer alert from my XXXX  Privacy Assist Member Services. That a possible suspicious account activity has appeared on my credit reports for SYNCB/PPC credit card account was opened using my identity. Until the alert I was totally unaware of the account. Why? Because i never received any form of direct correspondence regarding the existence of the account. Nor have I ever received any card, electronic or paper mail correspondence. The credit reports indicated who ever opened the account was making payments on fraudulent charges made, starting in XX/XX/XXXX. And stopped making further payments as of XXXX, XXXX. Leaving a delinquent balance in XXXX, XXXX of {$3600.00}. I attempted to call the creditor. But since I had no supporting proof of account ownership. And/or unable to reach an actual human. I am left at this stage to challenge what has happen.
Consumer complaint received 2020-09-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

XXXX, banker, opened my account and made several mistakes. She told me it was a {$200.00}. XXXX ASKED IF I WANTED ONLINE STATEMENTS AND SIGNED ME UP WHEN OPENING ACCOUNT-NEVER TELLING ME I HAD TO SIGN UP OR WOULD LOOSE PROMO OR I WOULD HAVE. Promotion NOT {$300.00}. Promo, ONLY After required direct deposits were met ( which  XXXX never informed me of an amount or number ), I asked if I could switch to a student account and would still get {$200.00} Promotion, XXXX said : Yes. XXXX, XXXX branch banker, emailed XXXX that I should not talk to XXXX anymore-I was  getting All Wrong Information. Also to prove I did everything right, in US Bank 's response to CFPB said I needed to sign up on website for online statements-I HAD NEVER BEEN CHARGED  THE {$2.00} STATEMENT FEE UNTIL NOW. ALSO XXXX, BANKER, CHANGED MY ACCOUNT TO ONLINE BANKING IN XXXX THEN WHY WAS I NOT CHARGED THE PAPER STATEMENT FEE BEFORE AND I SHOULD NOT HAVE BEEN NOW BECAUSE I AM SIGNED UP SEVERAL WAYS FOR ONLINE BANKING. US BANK NEEDS TO TAKE RESPONSIBILITY FOR XXXX 'S MISTAKES BY NOT KNOWING THAT THE PROMOTION WAS EVEN FOR {$300.00}. AGAIN IF XXXX TOLD ME I NEEDED TO SIGN UP I WOULD HAVE BUT SHE DID NOT.
Consumer complaint received 2022-11-03
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. (MI)

I check one day and noticed an account and address that doesn't belong to me. I sent a police report and FTC report. And they didn't remove them. I'm listing the account and address below. 
XXXX  XXXX # XXXX Bal- {$1500.00} opened on XX/XX/2020. 
XXXX XXXX XXXX XXXX, Pa XXXX
Consumer complaint received 2020-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage Corporation purchased my mortgage from XXXX XXXX in XXXX of XXXX. I had my monthly payments to XXXX set up on auto-payment and never received a letter of transfer when the mortgage was sold to PHH. I received no notification of late payment from PHH ( no letter, no phone call ), nor any communication from XXXX, and XXXX  clearly failed to forward my auto-payment to PHH. In XX/XX/XXXX, I was notified by a credit-watch program that my credit had a delinquency, which is how I discovered the mortgage had been sold to PHH. At that time, XX/XX/XXXX, I paid the balance in full and updated the auto-pay to PHH. Payments have been on-time ever since. 
During these difficult times of COVID, you would think PHH would be grateful to have a steady customer who pays their mortgage on time each month. Given this error of receiving no notification of transfer, my perfect credit has now taken a tremendous hit, which is significantly and negatively impacting my ability to obtain new  leverage.
Consumer complaint received 2020-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

To start, I asked the mortgage company to remove the PMI from my escrow payment since I was below the 80 % limit. They seemed to have ignored my letter until I filed a complaint with this bureau. After I filed the complaint, they removed it and did a new escrow analysis that calculated that I was {$48.00} short and that it would be spread out into 12 payments of {$4.00} included in my payment. That same analysis also mentioned that if I paid the amount in a " lump sum prior to the effective payment date, your monthly payment will be reduced by the monthly shortage payment amount. '' I paid the shortage of {$48.00} on the XXXX of XXXX ; before the effective date of XXXX XXXX. However, both XXXX 's and XXXX 's statements still included the {$4.00} monthly escrow shortage amount. I called and asked about the discrepancy and was told that sending in an escrow payment " does not automatically trigger a new escrow analysis ''. She refused to straighten out the problem and simply offered to request a new escrow analysis. ( I did let her request the new analysis. )
Consumer complaint received 2020-08-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I filed CFPB complaint XXXX on XX/XX/2020. ( Capital One 360 internal complaint number may be XXXX, as that was the number included on their initial response. ) I received a partial response from the company on XX/XX/2020 ( which I have attached ), but they did not respond to the second part of my requested resolution on the original complaint : " 2 ) Once Capital One 360 has gone through the verification process with the customer who used my SSN, I would like them to inform me of the outcome : a ) whether the account was closed permanently, b ) whether the account was reopened with an updated/corrected SSN, or c ) whether the customer provided information that purports to verify the account using my SSN. ''
Consumer complaint received 2022-12-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (TX)

Debt is past the statute of limitations, creditor reporting inaccurate information as if the debt is new. Dates are inaccurate account was opened 7 years ago and removed from my credit. Collection agencies can not report old debt as new ; this is a violation of the Fair Debt Collection XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX, NY XXXX
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NC)

GM Financial has reported myself as charge-off account, despite my numerous requests for negotiation and proof on the debt. This is happening during the covid19 pandemic and GM financial refuses to abide by gov't direction to work with impacted consumers.

GM Financial has reported my account 120 days late in XX/XX/2020, no prior notices or 30, 60, 90 days late process ( jumped directly to 120 days, with no notice or consumer notification to allow me time to address in correct legal fashion as per FCRA, FCCA.

GM Financial continues to violate/damage my credit standing in an attempt to force there agenda of aggressive actions, and force me to bend to there demands and tactics.

How can GM Financial continue to not follow

prescribed US govt directions during these troubled Covid19 times?? Where is the help to impacted consumers? where is the corporate humanity? 
.
Consumer complaint received 2022-11-03
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: Spring Oaks Capital, LLC (MO)

I have asked SPRING OAKS CAPITAL LLC who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-08-05
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. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Citi bank close my account and now I am broke I cant pay my rent, my car, car insurance, cellphone bill and everything they closed my XXXX dollars for no reason now I am broke I want my money I can pay my rent before I got evicted please
Consumer complaint received 2020-09-27
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. (NC)

I've tried reaching out to XXXX XXXX  XXXX Credit Card Services due to information not updated on my credit reports for XXXX, XXXX, and Experian. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.
Consumer complaint received 2022-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

On XX/XX/2022, I sent you a letter to Afni INC after they placed an account on my credit reports without allowing me the opportunity to request validation of the alleged debt. They then sent me a letter providing me verification when I specifically requested debt validation not verification. On XX/XX/2022, I sent you a follow up letter asking that they validate the alleged debt by providing me legal documents, but they completely ignored my request and continue to report this alleged debt on my credit report. On XX/XX/2022, I sent another follow up, and I have yet to hear back from them. 

I need this account deleted from my credit report and for them to close it in their office.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

I mailed a check for {$25000.00} from my bank to pay part of my Citibank Credit Card balance. I then noticed the {$25000.00} payment was applied twice to my credit card balance. Also, my credit card was locked by Citibank ( even though I had available credit ). I contacted Citibank regarding the issue. They told me I sent in XXXX checks for the same amount. I asked them to verify the checking account number ( which was indeed my checking account ). I asked for the check numbers and they would not give them to me until I talked to several different customer service reps. They finally told me that there were XXXX checks numbered XXXX. This seemed highly unlikely and I was concerned regarding some type of fraud, so I asked for images of these checks, but was told that was not possible. I contacted my back and placed a hold on XXXX checks ( for a cost of {$70.00} ). On XX/XX/XXXX, I spoke to a customer service rep who told me she sent an email to payment investigation team and they would be in touch with me in XXXX business days. Citibank sent me a generic email on XX/XX/XXXX stating they would get back to me after reviewing my account. By XX/XX/XXXX, I had not heard anything from Citibank regarding my account, so I contacted them. The customer service rep did not have any notes regarding the case on file, so I had to explain it all again. I was transferred to a Senior Account XXXX who told me I could request a refund of the {$21000.00} credit and would give me 0 % purchase rate on the card for 6 months so that I would not close my card. I again explained the situation to the Senior Account XXXX who agreed that having the XXXX checks with the same number from the same checking account was odd, but he would not provide a plan on how the case would be evaluated. I want Citibank to investigate why XXXX payments ( checks ) of {$25000.00} from the same checking account with checks of the same number were posted to my account. I want an explanation of their findings and what they plan to do in the future to prevent this from happening again.