davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I submitted all documents to Experian showing satisfied accounts including sold off accounts to collection agencies from original creditors. There are original creditors reporting debt to my credit report after their companies have already sold or passed off the debt to a third party collection agency. You can see multiple accounts with same exact balances dollar for dollar and showing the debt collection agencies received payments and accounts were all settled and they removed and reported the information correctly versus original creditors after multiple calls, letters sent, and proof provided to their debts satisfied by their 3rd party collection agencies they have failed to still remove the incorrect reporting to my credit report. Also any account which is only my student loans, current bank accounts, and one credit card of {$300.00} limit have the correct current addresss. All my accounts were updated with correct addresses and those creditors reporting anything else but my current address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX are fraudulent reporting on their end by laws that protect me as the consumer therefore must immediately be removed and expunged from my credit report as has been done on other credit reporting bureaus minus yours EXPERIAN, who is not reporting or completing investigations accurately and not filling policies that protect the consumer. Rather now for months of continuous disputing on my end you have still failed to correct my report with actual Factual evidence and submitted documents and documented and recorded calls to your bureau ( which are not based in a USA call center, creating additional barriers for myself the USA Consumer to rectify any and all information and reporting pertaining to my credit report, not only holding companies at fault but your company as well for violations of consumer act, and protections for myself and credit under California and United States of America Consumer Reporting Laws and also violation of not providing all receipt of my transactions and correspondence with your company and not short of witnessing your own employees pretend they are unable to hear me on the telephone line as we are in mid conversation in attempt to resolve the matter. But me observe hearing laughing and employee stating exactly what they are doing thinking they are muted and I can not hear them making phone of me calling to fix errors on you and companies end. And me Confronting the agent letting them Know I heard them and they can hear me to be hung up on after they were aware they got caught lying. This is not the first time your company has done this and as I know its one of your go to scripted responses. Therefore if not corrected all companies including Experian will be in litigation once complaint is officially filed in public court taken actions against all who have seriously violated my rights for over a year now.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (MD)

I saw a consumer report promoting EXPERIAN XXXX and how it could help improve your credit score when you pay your bills early. I signed up and the credit score it showed was a good XXXX points lower than XXXX and XXXX have been showing for over a year. In the process of signing up, I was asked to link my bank account- when I did that, my score shot right up ( within seconds ) to the same approximate score as the other two showed. I decided to give it a chance but then began to receive all kinds of emails to " upgrade '' - they did nothing but try to sell me things for the month or so prior to my unlinking my bank account. I can't see how any of this should be allowed, and I don't know why they needed my bank account to be linked - that makes me nervous. I usually can spot a scam or fraud a mile away and am upset with myself that I let myself be scammed just because " XXXX XXXX '' XXXX it as a good deal offered by a supposedly reputable credit reporting agency!
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OH)

Fortiva charged a {$36.00} late fee to my account on XX/XX/2020. My payment is due on the XXXX  and it WAS PAID on the XXXX  but they refuse to correct it. I asked for account closure and they complied, however their mistake caused a 51 point drop in my credit score.
Consumer complaint received 2023-05-24
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. (OH)

I have never had an account with XXXXXXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have secure credit card open with capital one 2012, the collection agency reporting the amount that I pay to open the secure credit card, I ask for the last few years, both the bank and the collection agency to send me the contract and both said they don't have it
Consumer complaint received 2020-03-24
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. (GA)

There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS and XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX  XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors (NV)

National Business Factor has a collection submitted from XXXX XXXX XXXX XXXX. I have paid all bills with XXXX XXXX. On XX/XX/20 I confirmed with XXXX at the XXXX XXXX Financial office that I have paid all bills with XXXX XXXX. National Business keeps increasing the amount owed every two weeks which is harassment over erroneous collection.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I had a credit card with Capital One in 2017 when I filed for Bankruptcy. This was a secured credit card with a deposit on file. When I filed for bankruptcy, they closed my account, used the funds in my security deposit to pay off my balance, and sent me a refund for the remainder of my security deposit. This would mean that my account was paid in full. However, for the past 2 years, Capital One has been reporting this to the credit bureaus as discharged in bankruptcy. This is a violation of the FCRA. At worst, this account should be reporting as closed by credit grantor and paid in full. There was no amount on this account that was discharged in bankruptcy.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WV)

I just got a credit card from XXXX XXXX. I have been using and paying on it to build my credit higher. I went to use it on the XXXX and it said declined. I called XXXX XXXX and they advised it was closed due to Fraud. I asked why and was advised the credit Bureaus has reported it has a fraud account. I did not report that to them and it should have never been reported as such. I did file a complaint advising I wanted my report updated with the balance on my card. I lost points applying for this card on my report and now I have to reapply for the card and got denied. I want an explaination as to why this was done and the points removed from my credit report for applying to this card and XXXX XXXX updated that it was not a fraud account. Now, I have two hard inquiries on my credit report that I want removed.
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

For years I have kept a home protection warranty with XXXX XXXX XXXX and paid roughly {$56.00} a month. In XX/XX/2019, I sold my home and I subsequently cancelled my warranty which was automatically billed on my credit card. 

Also in XX/XX/2019, my credit card with XXXX was picked up by a skimmer in Kansas during a business trip and I cancelled the credit card to prevented the many unauthorized charges that were occurring on my credit card. 

In XXXX of 2019, I had purchased another house and I established another warranty with XXXX XXXX XXXX which made my original warranty unnecessary after the sale of my house on XX/XX/2019. 

XXXX  bills the credit card on a monthly basis to renew the agreement. When a representative called me approximately 2-3 months later, I told them that I had cancelled the warranty and my house was sold on XX/XX/2019. They said that they would transfer me to someone else, and I wound up on hold for a very long time, which is what happens any time you attempt to call XXXX. 

If any balance was due for XXXX, I'm happy to pay it, if any service claims were unpaid, I am happy to pay it. But they are attempting to charge me {$210.00} which is unfathomable how they would think that {$210.00} is due. To date, I do not have an itemization of charges that they claim that I owe, so I can only assume that they are trying to bill me for months after my cancellation.
Consumer complaint received 2020-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: STERLING BANCORP (MD)

In XX/XX/XXXX, I refinanced my mortgage and home equity line of credit that had been held with Sterling National Bank in New York ( formerly Astoria Bank ). The refinance was performed by XXXX XXXX XXXX. Sterling/Astoria sent me a copy of the release for the first mortgage but not the HELOC. Subsequently, the title company handling the sale of my house discovered last Thursday, XX/XX/XXXX, that the XXXX XXXX county deed office did not have a release for the HELOC. The title company has informed me that it needs either a copy of the release or a letter from Sterling/Astoria stating that the HELOC has been paid in full. I have provided the title company with the signed closing disclosure and the title report indicating that XXXX XXXX paid Sterling/Astoria. However, these documents are apparently insufficient. 

I have attempted to contact Sterlings consumer lending department at least 8 times since last Thursday and have been given the runaround. I have been given or transferred to numbers with no answer, left on hold for upwards of 20 minutes with no response, instantly disconnected when I select the option to speak to the operator, or referred to people who can not help me. I have left two voicemails and sent one email with no responses. The XX/XX/XXXX closing on the sale of my home is now in jeopardy. It should be an easy practice for Sterling to issue the release and the bank was required to do so by XX/XX/XXXX. However I can not reach anyone to simply make the request. 

I am asking for Sterling to issue the release or paid in full letter immediately.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Called XXXX credit card ( Comenity ) on XX/XX/2020 @ XXXX and sent email via profile on XX/XX/2020 asking for late fee to be waived. Due to my payroll was delayed since I was sent home from work due to an employee coming into the office who had XXXX. The employee did not quarantine himself for 14 days as instructed. So everyone was sent home immediately. Therefore my timecard was not submitted for payroll. So I had to wait until my manager spoke with payroll so I am just now getting paid a month later since she missed the cut off time. I just got approval from my employer to get up computers to work from home. So I asked the late fee to be waived since this was out of my control. I spoke with a customer service rep and I spoke with a supervisor by the name of XXXX who explained it was nothing that can be done. For someone who still made a payment once I got paid to make sure they received payment. He was not sympathetic to my situation. This is unacceptable with everything going on in the world.
Consumer complaint received 2020-04-03
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
This account was removed but mysteriously found its way back onto my reports .... 

EXPERIAN : XXXX, XXXX XXXX XXXX XXXX # XXXX {$280.00} XXXX  : XXXX XXXX # XXXX {$280.00} look at the difference in the creditor names ... ... this is fraud ... .please remove immediately as it was before and please don't allow this to be put back on my credit file
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX is in this. As a follow-up to the last CFPB complaint I filed on XX/XX/XXXX, I am filing this one. On XX/XX/XXXX, I wrote to the credit bureaus and asked them to delete the following things from my file because they are unknown to me. I just learned about this regulation, and it states that credit reporting agencies must delete all accounts and information no later than XXXX business days following XX/XX/XXXX, as per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). This was also mentioned in my earlier complaints XXXX XXXX XXXX XXXX and # XXXX, therefore I'm mentioning it again. Please remove the following items as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed items belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification. In the event that the Credit Bureaus do not comply with the requests, please remove the disputed items as soon as possible.
Consumer complaint received 2020-04-03
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

We had a charge, last month from a company called " XXXX XXXX '' that charged our card. What was strange is that we hadn't done any business with XXXX XXXX for nearly 7 years. In that time my credit card number had changed a number of times and they had the most recent number, which I most certainly did not give them. We did dispute the charge and ultimately, it was resolved, however, how did they get the number? 

In an effort to stop these sorts of charges and to get ahead of vendors that had our cards on file for auto-pay during the pandemic, we cancelled our old card and issued a new one. On XXXX, I noticed that a remarkable number of our vendors HAD OUR NEW CARD NUMBER and their charges went through even though we had not given them the new card numbers! On XX/XX/2020 at roughly XXXX XXXX I called Capital One and spoke to a representative there. 

I was told that Visa, the organization that manages my card, has an agreement with certain vendors where they are given access to my new credit card number as a COURTESY TO THE VENDOR! I was shocked. I was told that I would have to negotiate WITH EACH VENDOR to get them to remove the auto update clause from the contract if I wanted to opt out of this program. 

At no time was I presented with ANYTHING that outlined this " service '' or required my expressed authorization to enable it on my account. If I did, it was not marked clearly or done fairly. 

There was one option, which I opted for, I had to lock my credit card for all charges and then add new accounts to a new card one at a time, which is a stop gap but the amount of charges that hit my card will have a significant impact on on my cash flow in these coming months. 

As a small business I should have the flexibility in determining who gets paid when, not VISA.
Consumer complaint received 2020-04-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Trakk, LLC (SC)

I contacted auto track on XX/XX/2020 and explained the financial hardship due to being laid off due to the coronavirus. I even told them if I can go back to work in a week or so I wouldnt get paid until the middle of XXXX. I was told that my payments are weekly and I have only made seven payments. The managers would not be willing to help me. I needed to pay as much as I could by this Friday. 

An update as of XX/XX/2020 I am no longer employed and will not be returning.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have continually disputed an account with Huntington, I have verified information on account is not mine and when account is disputed with company they intentionally harm credit. When you look at account you can see their continue to add derogatory marks that are stamped for this current year as a way to intentionally harm and destroy my credit. They also continue to report the card as over the limit to further harm credit. Both are violations of FCRA and with XXXX  assistance they have continued to do so.
Consumer complaint received 2020-03-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Moneydart Global Services Inc. (NC)

On XX/XX/2020, I initiated a transfer of {$10000.00} to my family in XXXX due to financial situation there are facing currently. I used XXXX XXXX XXXX service ( https : XXXX ) to transfer the money. 

When doing the transfer I was promised that money deposited in XXXX bank account on or before XXXX XXXX. Today is XXXX XXXX and no money has been deposited and additional company is NOT responding. I tried contacting their phone and email lines but no response at all. The {$10000.00} has been debited from my XXXX XXXX  account already last week but it has not made its ' way to XXXX bank account. 

I am worried about that I may have lost {$10000.00} plus my family needs that money as soon as possible.