davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter from XXXX XXXX XXXX a collection agency on the behalf of Capital One Auto Finance to settle the account of a voluntary repossession in the amount of {$1700.00} I called XXXX XXXX XXXX  I spoke with a Representative name XXXX she confirmed the settlement amount for {$1700.00}. After I paid {$1700.00} the amount that Capital One Auto Finance requested to settle the account. I was given a letter of release from XXXX XXXX   XXXX  on the behalf of Capital One Auto Finance settling the account. To update my Credit Report I forwarded to XXXX, XXXX XXXX, and XXXX  a page of my bank statement showing payment, Driver License as proof of identity, proof of address from my car insurance, a copy of the letter from XXXX XXXX XXXX asking for a settlement of {$1700.00} and proof from XXXX XXXX XXXX  showing the account was settled with Capital One Auto Finance. XXXX, XXXX XXXX and XXXX  sent proof over to Capital One Auto to update my record. Capital One Auto did not update my account as paid or settled. On XXXX XX/XX/2020 my credit reports where updated by Capital One Auto with a new balance of {$4000.00} the account status also shows Charge Off XXXX written off. and account past due as of XXXX XXXX.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2020 I attempted to get a copy of my credit report online and I was notified that there was a credit freeze and fraud alert on my report. On XX/XX/2020, I contacted Transunion and attempted to take the credit freeze and fraud alert off my report. The customer service agent advised me that I had to answer questions concerning my credit report in order to verify my identity. The agent asked me questions that I would need to verify on the credit report, which I did not have access to to gain access to my account. I was informed that I had to send in a copy of my bank statement and driver 's license in order to be verified. On XX/XX/2020, I called Transunion back and they informed me that I still had to identify specific things on my credit report in order to gain access. I advised the agent that I did not have access to my credit report so this was not possible. The agent informed me that I had to call exactly when I thought they had received my driver 's license and bank statement to answer more questions. Suffice to say I don't see how this is possible. I'm concerned that Transunion is attempting to force me to pay for their services before being able to get access to my own credit report. I am still unable to get a copy of my free annual credit report and Transunion will not give me access to my credit report even after sending them personal identification information in order to gain access. I have already attempted to access credit on two different occasions and was unsuccessful because Transunion has placed a credit freeze and alert on my credit report.
Consumer complaint received 2024-02-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc (NV)

I have been trying to update my phone number on the account that I opened but have never used with Affirm and I have submitted all the documents they requested to confirm my identity since I am unable to remember what the phone number is that I opened it with or even when I opened it due to having health issues since doing so and they have escalated the issue twice now but still have not updated my phone number yet.
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In XX/XX/2020 the FICO credit score that I receive from my bank dipped by 50 points. My bank explained that my score dropped due to the " length of time revolving accounts have been established, '' meaning there was a new credit card account on my credit report. I pulled my free credit report from TransUnion and found that there was a new credit card with a {$400.00} or so credit limit. It had not been used. 

I did not open this account. I filed a dispute online with TransUnion explaining that I did not open the account. TransUnion dismissed the dispute on XX/XX/XXXX. 

I called XXXX and disputed the account as unauthorized the next day, XX/XX/XXXX. On the phone, I gave the customer service representative some of my contact information. She claimed that all the information I provided was also what she had on file, except the email address. She would not tell me what email address was on file, but she confirmed that it was not my email address. 

XXXX mailed a one-page letter dated XX/XX/2020, the day after receiving the dispute, claiming it " thoroughly researched [ my ] dispute [ and was ] unable to find evidence of unauthorized activity. '' I did not open this account and it is hurting my credit score. I suspect either ID fraud, or XXXX employees are opening unauthorized accounts to meet quotas, similar to the XXXX XXXX fake account scandal. 

XXXX 's investigation was clearly insufficient. They had evidence that the email address used to open the account was not my email address. In addition, I filed a report claiming it was unauthorized before the card had been used. Why would someone lie and report an UNUSED card as fraudulent. They would get no benefit from that. If a consumer disputes an account as unauthorized before using it, that should be per se proof that it is an unauthorized account. At the very least, they should have closed the account after I complained.
Consumer complaint received 2020-08-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (TX)

I contacted the payday loan company in 2017 and agreed to pay off the debt. We agreed that I could settle the account for {$300.00}. The accounts shows that I paid full payment but it still shows derogatory on my credit reports. This is really hurting my chances to establish credit.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NV)

I have a large sum of money deposited to an AMEX online savings account. I closed the account on XXXX XX/XX/2024 and they have refused to return my money. 
After numerous calls to get the funds, I was told to call XXXX XXXX XXXX the company never gives out the employee 's last name, only the initial ) when I asked to speak with a supervisor. Spoke with XXXX XXXX ; he advised that he was recording the phone call and that he records all phone calls. I said I've closed my account and I'd like to have my money. He told me to call XXXX XXXX XXXX ( which I have done at least dozen times before ). I called, received the same response, which was always an excuse ( they seemed to have a lot of them handy and ready ). They have said " your funds will go out tomorrow " ( lie, never happens ) ; or, your bank refused to deposit ( lie, I contacted my bank, they received no communication from AMEX ). I closed the online savings account with AMEX on XX/XX/2024, have made dozens of phone calls trying to get my money ; they are masters at deceptive excuses or lies. I'm a XXXX XXXX XXXX male, the funds are my life savings, I'm losing sleep over this. Please, drop the hammer on this company ( AMEX online savings accounts ).
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a dispute to correct inaccurate information in regards of my name in XX/XX/XXXX. I received no response back from the 3 credit bureaus. I also sent a letter in XX/XX/XXXX in the same regards. I noticed in XX/XX/XXXX that there was inaccurate information in regards of inquires as well as a charge off on my report that was wrong. I sent in letters in regards of my TransUnion, and XXXX on XX/XX/XXXX. I have not received a response in regards to the investigation results. I ask that all inaccurate information be removed. The credit agencies have not responded in the time allowed.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I received a call from a female stating that she was from Citibank Fraud Dept trying to verify a charge of {$1300.00} at a Best Buy store in Florida. She asked whether or not I had attempted to make that purchase. When I said no, she said the bank would need to block my account and replace the debit card by overnight mail. Before proceeding, I used my second cell phone to dial the number from which the call originated. I received what appeared to be the usual Citibank options so I felt that the call was genuine. 
I was asked to enter 6 digit Authentication codes twice and the call was concluded with reassurance that the new card would be available by noon the next day. 
I woke up on XX/XX/XXXX and checked by bank activities as I normally did every 1-2 days. I discovered that a wire transfer had been made from my small savings account to my checking account. Then my checking account was emptied, ( {$850.00} ) leaving less than {$10.00}. Fortunately, I had had a direct debit of {$3000.00} completed by IRS earlier that morning. I called Citibank number on the back of my bankcard and the Customer Service rep tried calling the number from which I had been called the previous day and stated that it was indeed a Citibank Customer Service number after she completed a call to that number. 
I decided to go to the Citibank branch at XXXX XXXX XXXX XXXX in XXXX and after waiting over 2 hours, a fraud claim was filed by the banker, XXXX XXXX while assuring me that the bank was insured by FDIC so I should not worry. 
She gave me a fraud report form which required notarization and I completed it and returned it 2 days later. 
Citibank responded about 4 weeks later stating that I agreed to wire transfer and other transaction because I repeated the 6 digit code ( which actually is the same experience I have had in the past with Citibank ). I immediately called their Fraud Dept to dispute their decision and 2 weeks later I again received the same response. 
On Saturday, XX/XX/XXXX, I received a letter from Citibank headquarters in Texas with further explanation that they honored what was seen as my request to transfer my money to " a beneficiary '' so I was ultimately responsible for the fraud which was perpetrated. 
This is blaming the victim. If they use a 6 digit code to verify my identity and I input the code requested, I assumed that by verifying the origin of the call and following usual bank procedures I had done the proper thing. 
I have heard from several people since then who have been defrauded twice - by the hackers and then the bank. 
This appears to be Citibank 's pattern and they must be stopped. 
I am thankful that I had been using their services to mostly pay bills. I am in the process of withdrawing ALL my funds from this disreputable organization.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (AL)

I have no idea what this is I never made any payments from my personal account to Spring Oak Capital nor do I have an signed agreement with them! This needs to be immediately removed from my credit file because I can't get insurance because of their deceptive reporting on my credit file this is defermation.
Consumer complaint received 2024-04-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (TX)

XXXX XXXX has taken over this account. I had this account with Covington Credit, and had a payment arrangement and then was XXXX  with a XXXX. During that time my account was sold to XXXX XXXX. They call my phone 3 times a day, call my wife even if I talk to them and call me everyday even after talking to them. They threaten me with a lawsuit every call. They will not let me dispute debt or give proof of debt. They told me today they could call me 9 times a day if they want. The " manager '' today said that they could call or come to my home or work whenever they wanted. They also told me they won't honor previous payment arrangement because they won't get paid. My XXXX was even laughed at by the manager. I told then I would pay them that day, but they told me I would see them in court and good luck.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I BOUGHT A PERSONAL HOME XXXX. XXXX I GOT MARRIED WHILE ON HONEYMOON THE HOUSE FLOODED DUE TO PLUMBING ISSUES. TWO LATER WHILE WE ARE YET TO RESOLVE THE PLUMBING ISSUES THE HOUSE CAUGHT FIRE AND THE INTERIOR GOT BURNT. THE INSURANCE GAVE OUT MONEY FOR REPAIRS BUT THE HOMEOWNERS ASSOCIATION HELD UNTO IT. THEY REFUSE TO RELEASE THE MONEY. I NEVER RECEIVE THE MONEY THE HOME WAS INHABITABLE I WAS GORCE TO RELOCATE TO XXXX XXXX WHERE MY HUSBAND WAS AND WAS TRAVELLING TO XXXX  TO WORK, ALL OF THIS HAPPENS BETWEEN XXXX XXXX TO XX/XX/XXXX, I WAS TRYING TO PURCHASE A HOUSE AND I WAS TOLD THAT BANK OF AMERICA HAVE A FORCLOSURE ME IN XXXX. BUT THE WHOLE THING HAPPEN XXXX, AS AT XXXX WITH ALLSO THE SITUATION I WAS NO MORE RESIDING THERE I WONDER WHY THE BANK WILL HAVE THIS ON MY REPORT, THE HOUSE WAS ALREADY DESTROYED BY FLOOD AND FIRE.
Consumer complaint received 2020-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (CA)

Around XX/XX/2018 I had a death in the family and asked help about a payment, they said they could restructure and asked for documentation and pay stubs. I also informed them I would be paying off the loan in the next 30 days or shorter and asked the freeze of due to circumstances. They referred me to a local Office where I emailed everything but they refused to reply in email, I found that interesting as I was sending sensitive information via email But they refused to reply by email. Later that month with an exchange of emails, ( one sided ) phone calls and more I Made the payments I could and notified them of intent to pay off, I asked the amount of which they said it changes daily?? I sent a certified payment that they accepted and lost for 5 days in their location. Later looking up the account I find they owe me money of which they refused to pay and they marked it derogatory. 
I want the derogatory remarks removed and they can refund the money shown on the final closing. I have a picture to send
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (IA)

I have been paying a debt collection agency called, Central Portfolio Control since XX/XX/XXXX with an initial payment of {$70.00}, and then to be debited, {$50.00} each month, thereafter, until the debt is resolved. I recently ( XX/XX/XXXX ) was debited, {$50.00} above the authorized {$50.00} with two debits of {$37.00} and {$12.00}.

I contacted my bank and the bank advised me to call Central Portfolio Control, gave me the telephone number, and attempt to resolve it from there. I then called Central Portfolio and got the round around by their representatives giving me other numbers to call. One of the numbers was actually the number for XXXX XXXX. 

I finally reached a representative for Central Portfolio and was advised that the extra charges were to either even out two of the individual debts ( all debt is to the same original company ) or pay off two of the individual debts-she did not know which. 

I then explained the situation to her and advised her that I am on a fixed income and that I needed the extra charges removed. I also advised her that I would allow the {$50.00} I authorized for this month, but going forward I wanted the automatic debit to be canceled-that I would manually pay the {$50.00} monthly until the debts are paid off. She agreed to do as I instructed.

Later I received a call back from Central Portfolio Control-this time a different representative. She advised me that they indeed overcharged me and would reverse the extraneous charges and stop the automatic debit. 

I feel that Central Portfolio Control violated my trust because this is not the only time I have been confused by their record-keeping and the differing amounts I have been told in the past. Using their online site is also a nightmare as record keeping is not as it should be-full of holes. 

I have print screened and otherwise recorded what is on their online site as of XX/XX/XXXX in case anything is changed since this complaint. 

There are three charges of the same exact amount and when I called them, the representative told me that those charges were, indeed for different services, which I am suspicious of. One representative told me a different balance due than another rep. I have no confidence that they are handling my account correctly and would like them to be investigated.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I set up automatic payment online for this account for the balance on the account 's last statement be paid in full on the due date. I have a confirmation that the AutoPay was set up correctly that on the due date the account balance will be paid. However, I keep getting emails saying that Bank of America will NOT AutoPay the balance, but the minimum & NOT on the due date, but the day after-which can subject me to late fees & finance charges. Then I have to call and wait online sometimes for hours to get a refund. Today, I finally got someone on the phone XXXX @ XXXXcustomer service rep named XXXX, and having spent over 40 minutes explaining the problem she seemed to NOT understand she finally gave me an explanation that made absolutely no sense. Something about that a month prior to the last Statement I had a credit balance ( because Bank of America instead of AutoPay the statement balance it only AutoPaid the minimum, charge interest & I had to go through this whole thing then to get a refund, hence the credit balance ) and " because of the credit balance, only the minimum is paid because Bank of America gets confused when there is a credit balance and doesn't know how much to AutoPay, even if the last statement has a balance ''. As I stated - MAKES NO SENSE!!
Consumer complaint received 2020-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

None of your listed issues is are applicable. I received a deferment on my mortgage. I was never delinquent. It was a CARES deferment. 

I saw on my credit report a notation from the mortgage company stating i was experiencing financial hardship. Is that permitted under the CAREs act??