davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

XX/XX/XXXX at approximately XXXX I reached out to Citi Credit Card. Made a payment to get my card under balance. The reason my card was over was negligence on the banks part of moving money and locking it up for 7-21 days from my checking to my credit card which was unauthorized and has been proven as per documentation submitted to this site previously. Earlier this year I was told that based on their error the account was suspended and that the credit card could not be used at all. So I cut it up, but still worked toward cleaning up the account. Later I was told that the other person shouldnt have told me that and that the card would be usable wants the investigation etc was complete, and the card was under the balance. I called today when the account was below balance and requested a card. I was told that I had to call the credit bureau and add my phone number to the account. The lady giving me this information couldnt tell me why I had to call or which credit bureau. I had to dig in to get why and which bureau to calm. As a best practice I informed her that I was recording. She went wild telling me their recording too and yelling back at me. Very unprofessional. In short. The credit bureau already had my phone number on file. No one wants to send me a card. I took the freeze off my credit in case that was the problem, but nothing. These people made some really bad mistakes and now when I call they do everything they can to send me in circles never really helping me.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 



Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297.  Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 



Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a  legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2022-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I cant verify debt. I keep getting different numbers to call from the hospital about my debt and still have not succeed. I cant get in touch with the doctor to see if my insurance cover his doctor visit. I didnt receive a bill to my address.
Consumer complaint received 2023-01-06
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. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. PLEASE BLOCK AND REMOVE IT.
Consumer complaint received 2023-01-06
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2022-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I had been making monthly payments of {$60.00} a month to Fedloan. From XXXX XXXX-XXXX XXXX they were not posting my payments to my loan. A total {$480.00} that was sent to them over those months was not applied to my balance. When I had tried to contact them there was no getting through on the phone and my emails were met with automated responses that had nothing to do with the issue. My loan is now under another creditor and my balance is still incorrect due to Fedloan.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX / XXXX / {$0.00XXXX XXXX XXXX / XXXX / {$2400.00} XXXX XXXX XXXX / XXXX XXXX {$570.00} XXXX CARD / XXXX / {$880.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2020-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received the email below from Capital One. Not only is it deceitful in making it sound like there is a requirement that they report to credit bureaus, but they are threatening to report auto loans as delinquent if not paid within 30 days of the due date. Colorado has just extended the stay at home order and XXXX people filed for unemployment in two days. We are at the mercy of a system that is so overloaded right now that many of us don't know how we are going to buy food in 2 weeks. I'm not sure why Capital One feels the need to threaten collection reporting right now and I believe it violates portions of the CARES Act. ( As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. ) I was doing OK with this crisis until I received this email. My choices right now are to continue to comply with an Executive Order to stay  home and have my credit destroyed by Capital one or defy the order and go back to work so they can have their money. Please help! 

Email from Capital One : Credit Bureau Reporting Capital One is required to report a customers monthly account status fairly and accurately to the credit bureaus. We understand that some of you may need additional time to make your payment during this difficult situation. As a result of the COVID19 situation, your payments wont be reported as derogatory to the credit bureaus until theyre 30 or more days past due. If youre able to make your payment before it is 30 or more days past due, you wont be reported as derogatory to the credit bureaus.
Consumer complaint received 2023-01-06
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: ALLY FINANCIAL INC. (GA)

I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 

I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the Thank you for your assistance in this matter, __________________________________
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (TX)

I tried to transfer money to my friend in the XXXX on XXXX XXXX. transaction XXXX I received an email then that said my transaction was put on hold they need more information from me I provided them the information ( email attached ) they requested. Then I received another email that said I had to call them. When you call them all their phone lines are not in service due to the virus. 

I send them another email and stated that their phone lines are not accepting calls. 

I just need for them to release the funds and open my account back so I can continue to send my friends money in the XXXX.
Consumer complaint received 2020-04-07
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. (NC)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2020-04-07
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. (NC)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2022-11-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (IL)

I had a mortgage with XXXX XXXX in XXXX, they sold the mortgage since to XXXX XXXX XXXX. then they sold it to XXXX XXXX XXXX XXXX XXXX. then they sold it to XXXX XXXX XXXX. I am fully up to date with XXXX not late however with XXXX XXXX, and XXXX, and XXXX they are still reporting negative information about the account that is over XXXX  years of age. the 3 credit bureaus wont removed from my account its past the statue of reporting 7 years. Experian, XXXX, XXXX. I have tried to have them removed but they will not. 

XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX This item remained unchanged from our processing of your dispute in XXXX XXXXXXXX XXXX 
XXXX XXXX This item was updated from our processing of your dispute in XXXX XXXX The original mortgage XXXX XXXX is not reporting they informed me it's too old.
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Loan
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 (TX)

On XX/XX/XXXX I paid my vehicle loan off with Hyundai Motor Finance USA in full. I was told that it would take 10 business days to audit the loan, close my loan, and release my title. On XX/XX/XXXX I called back to inquire about the status of my title release, but I was told that the loan was still showing active. The rep stated that she would escalate the issue and it would be an additional 10 business days before the title would be released. On XX/XX/XXXX I called again to inquire about the title release and was told that the account was still active. The rep stated that she would escalate the issue and the title would be released in 10 business days. I gave a little more time and called back on XX/XX/XXXX only to be told my loan is still active and has not been closed or sent for the title to be released. There is no phone number to reach the title department nor was I given an email address to get this resolved. At this point I feel like no one is processing my loan closure and they are not working to get my title released.
Consumer complaint received 2022-02-18
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. (MD)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$4900.00} XXXX XXXX-Balance {$790.00}
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NJ)

I was laid off of my job on XX/XX/XXXX. I have been trying to work with Honda Financial Services in taking partial payments from me. I am currently collecting unemployment and my check is very small and I can barely make it with other bills I have. I can pay them all, but I can only make partial payments. I can not be without a car, I worked hard for the car and gave up the only {$1000.00} dollars I had at the time for a down payment. They are unwilling to work with me, stated that I have to pay the full Past due, and if I can not pay that amount, they have to pick up the car. How can a car dealer be a business and not help customers when life hits the fan. There has to be a better way to keep customers on the road. It is the year XXXX and I can not believe there isnt better programs in place so that the consumer does not have to deal with repossession. I even traded the car I had that I wish I could get back and now look where I stand. There had to be a better way around this, there has to be a better solution.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

For the past 3 weeks I have called Wells Fargo multiple times in order to close my checking account. Multiple times I still on hold a for a hour before the call being answered and dropped. THe one time I was connected with a person I was told I would need to call back because they say a transaction pending. I asked for them to call me back but they refused. I am trying to close my account since I was charged a fee unexpectedly. It seems like Wellsfargo makes it really hard to close your account so they can continue to charge consumers fees. This seems like a shady practice.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MN)

On XX/XX/2020 I legally changed my last name. I submitted the needed documentation to Discover, and they have not done anything to update the information. They responded that I needed to submit the documentation in order to make the change, which I did in my subsequent correspondence. They are yet to update my name in their system.
Consumer complaint received 2020-04-02
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)

I notice an account on my credit from XXXX XXXX XXXX. I have never had an account with this company at all. I tried to reach out to the company & they are not assisting me & telling me this account is mines. I was a victim Of identity theft & I have disputed this items a few time going back to XX/XX/2019 & also sent in a dispute every month after that. 

This account were removed from XXXX  on XX/XX/2019 however Experian & XXXX  will not removed this. 

By law all bureaus should show the correct information. 

My police report is on file with all bureaus and all documents.