davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CO)

In regards to XXXX ACCOUNT ending in XXXX : The debt associated with this account was settled and paid in full in XX/XX/XXXX. I have the receipt which was sent to me from XXXX documenting the account debt was settled and the remaining balance was paid in full. 

I spoke with a supervisor at XXXX on XX/XX/XXXX who reported that upon looking at my account on this date, it showed NO BALANCE. 

I have my most recent credit report from XXXX showing that XXXX is still reporting a balance of {$6200.00}, however accurate information has been reported to XXXX and XXXX showing a balance of {$0.00}. 

I also have the results of the dispute I filed with XXXX XX/XX/XXXX with results reporting : " We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *DATE OF MAJOR DELINQUENCY XXXX REPORTED *ACTIVITY DESIGNATOR *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX  Disputes, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX '' I have requested to have a XXXX report sent to me by ELAN to submit with XXXX taxes XXXX times since the debt was paid in XX/XX/XXXX, with no report ever sent to me, despite confirming my current address all three times. 

XXXX will not update the balance of {$0.00} with XXXX and it is impacting my credit. XXXX continues to blame XXXX. 

XXXX made to XXXX XX/XX/XXXX reporting XXXX needs to contact XXXX directly, however XXXX reports their dispute department has no land line and no phone number. 

I have all documentation showing receipt of payment, results of previous dispute, and current credit report.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-11-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/2021 I submitted a compliant ( and sent via certified mail ) on Santander consumer USA Inc to resolve a billing error along with TILA, FDCPA, and FCRA violations. Prior to answering to this complaint and resolving this billing error, on XX/XX/2021, Santander Consumer USA inc took an adverse action and continued collection activities. They accelerated debt collection activities by repossessing the vehicle and attempted to extort me for the sum of XXXX.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

This letter mailed to EXPERIAN explains the problem Personal Information on this letter was deleted as instructed on by consumer finance.gov website MAILED LETTER CONTENT BELOW XX/XX/2021 TO WHOM IT MAY CONCERN AT EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Associate I need help resolving the issue below since.. 



When I logon to Experian.com/ freeze & request to have my Credit XXXX XXXX permanently I get a message that says I HAVE NO FREEZE ON MY EXPERIAN ACCOUNT However, when XXXX XXXX XXXX XXXX who is the bank handling my mortgage Refinancing ) checks my credit they say it shows my EXPERIAN XXXX IS FROZEN & can not be viewed My personal details below FULL NAME XXXX XXXX XXXX PERMANENT HOME ADDRESS FOR PAST XXXX years XXXXXXXX MOBILE # XXXXXXX EMAIL ADDRESS XXXXXXXX It is ridiculous that I CAN NOT REACH ANY LIVE EXPERIAN XXXX at all the # XXXX I have located for EXPERIAN XXXX the XXXX & other sources including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please call me or email me or TEXT me ASAP & help me get this issue resolved A very frustrated, dissatisfied Experian customer XXXXXXXXXXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I disputed something with the credit reporting agency, after 30 days they did not remove it which is in violation of code US code 15 USC Sec. 1681i ( a ). 


I want this information deleted off my credit report.
Consumer complaint received 2021-11-19
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-19
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. (TX)

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX  however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One closed my venture one card without my consent. Due to the size of credit line, having that amount of open credit removed from my account materially reduced my credit score- which is going to materially impact my access to credit moving forward. 

They claim to have sent mail & digital communication- but did not wait for a response from me ( took the action without my opt-in ). This all happened at a time when I was caring for a sick family member ( with XXXX ). 

And when I called - multiple agents refused to reopen the account even though I was underdoing family hardship at the time. I've never missed a payment with them- and they treated me like I've never given them any of my business.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (MD)

I attempted to make a domestic wire transfer using Wells Fargo bank at XXXX EST on XX/XX/21. The bank charged me a {$30.00} fee for this Transaction. This wire transfer was supposed to be credited into my trading account with XXXX XXXX, to cover a margin call. My money was not transferred till end of day and when I called Wells Fargo for status, they stated that wire transfer can take 3-5 business days. I even spoke to a supervisor who repeated the same thing. I reminded them this is not a ACH or online transfer and is wire transfer and also pointed them to bank policy. After waiting for over 32 minutes, my call was hung up on and bank never contacted me back or returned my wire fee or money. 

I have attached screen shots showing : 1. Wire transfer confirmation at XXXX XXXX 2. Phone screen shot with times and waiting time of 32+ minutes. After this, I was hung up on. This should be in the Wells Fargo 's call logs. 
3. XXXX shot showing wire transfer policy.
Consumer complaint received 2021-11-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

Lease was extended once. At end of extension I had hardship situation, my mother passed away. Vehicle was repossessed. I was able to finance the balance due in order to redeem my vehicle. 
Redemption process very hard, initially wouldn't provide a pay-off letter or sign an odometer statement. Loan was approved payment was sent overnight, however agent XXXX stated to use Suite numbeXXXX instead of box for delivery. It was a lockbox. They refused to reach out to XXXX XXXX ( lockbox holder ) to find payment for application. I contacted directly and finally had release for vehicle. These delays to 5 days, impound lot charged {$50.00} per day, costing me {$250.00} Upon payment application they started to send me auction house, then back to impound lot, but they sent incorrect paperwork twice, taking up half a day for me to retrieve vehicle. 
They did send me the title with the lien release, but they will not provide me with a bill of sale. I have called twice requesting this.The state of Texas will not issue a new title with lien to my new lender without that. The loan docs only show what I borrowed, but do not show if any additional payments might be made. Documentation of the exact amount is required to collect the vehicle sales tax. 
The payment included repossession fees. They are now stating I owe an additional {$320.00} even though I have a letter that came with the title stating paid in full. They will not provide an accounting or invoice for these extra fees. 
This is showing on my credit reports as a charge-off, but it is in fact paid in full. This same credit reporting also shows a balance due of XXXX KIA Motors Finance team doesn't not appear equipped to assist someone in redeeming their vehicle if they have the means to satisfy the balance.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-11-19
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: EGL US, LLC (TX)

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Hello, thank you. 

On XX/XX/2021 I paid my XXXX account in full to arrive at a XXXX balance. Not having any charges, I made no further payments. 

In XXXX  I received a bill in the mail stating I was late in making a payment, and I had a balance of {$30.00}! I called XXXX immediately to see what happened knowing this had to be an error. 

The customer service rep saw that I paid in full on XX/XX/XXXX, and there shouldn't have been any further charges added to my account. I believe he said it was an automatic compounded interest charge or something. Anyway, they erased all the interest and late fees that accumulated after the XX/XX/XXXX date and put my account at XXXX. 

However, XXXX weeks later I noticed on my credit report they had filed a late payment report against me. I've been trying to get them to remove this mark as it resulted from their error, but so far they have not removed it. 

For the past XXXX  years I have had perfect payment record on my credit report for ALL of my accounts. XXXX was no exception. I'm very upset that they've marred my credit report in this manner, especially right now as I've been trying to buy a house for the past XXXX months! This matter is interfering with my ability to obtain a good interest rate for a mortgage. I can't wait much longer for this to be resolved!! Please help. 

Action Steps I've taken since this issue was first brought to my attention : 1. I've called XXXX several times and spoken with agents. 
2. As they requested, I sent many messages through their secure message center explaining the issue to get resolved. 
XXXX. I sent a letter to the main XXXX XXXX in XXXX, to seek resolution. Customer Service told me in late XXXX that the only method was to write the bank itself in XXXX. 
4. I called the bank today to see if there was any news, and was told a letter was sent to me yesterday in the mail. Still no indication they've sent any updates to the credit bureau. 
5. I filed a dispute with XXXX XXXX in mid XXXX  and with XXXX on XX/XX/2021. 


XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX is a fraudulent account listed on my Consumer Credit Report. an account was established using identification without my permission. EXPERIAN should have deleted or removed the account from my Consumer Credit Report immediately
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am contesting the information on my credit report that I believe is not correct. I need evidence that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.
Consumer complaint received 2021-11-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (TX)

I am XXXX XXXX and I am submitting this complaint myself there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by Apple Card XXXX XXXX XXXX XXXX I was notified of this transgression of my rights specifically XXXX XXXX XXXX The Truth in Lending Act by Apple Card XXXX XXXX XXXX XXXX XXXX XXXX via XXXX mail. According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Apple Card XXXX XXXX XXXX  adverse action taken against me, denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( 2 ) ( A ) ( XXXX ) are up to ( {$5000.00} ) Apple  Card via XXXX XXXX is now civilly liable to pay me for the damages.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NV)

@ Macy ' in 2020 I was purchasing when the clerk literally talked me into applying for a credit card. 
she said i was approved & a limit of a {$1000.00} was provided I never gave it much thought till I returned to the same store to buy the same gift merchandise I had the approved slip with me. 
From there I've literally gone through no less XXXX attempts in person @ the store to be told that a credit card would be issued and mailed to me. 
I've literally gone out of my way to in security for the all parties to find out why am I not getting the card in the mail I've kept logs of whom I spoke with my date & time & I still do not have the card. 
Bottom line each time I was told a card would be sent to my newest address in XXXX XXXX -but it has not been received I literally was went back to the store & even after their requests for a call back was told that a card would be sent
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/2021 at approximately XXXX EST, my Coinbase account was drained of funds. This was an unauthorized transaction. Coinbase support responded to my inquiry stating that it was my responsibility to protect the integrity of the security relating to my account. Further stating they were unable to help in any way. The amount of the unauthorized transfer is for : XXXX XX/XX/XXXX XXXX {$4200.00} XXXX XXXX Supporting documents are attached.
Consumer complaint received 2021-11-19
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: CITIBANK, N.A. (MA)

XX/XX/2018 someone opened a fraudulent XXXX credit card in my name with a {XXXX} limit. They spent {XXXX}. They also used a fake address and misspelled my first name ( both of which I was able to remove from my credit report ). 

I filed an Identify Theft Report in XX/XX/2018, and have been trying to get this account removed from my name for XXXX  years. XXXX is still showing it on my credit report because XXXX still says that it was my card... even though it was not. I have disputed at least XXXX times, and nothing has been resolved. Most recently the account was " charged off '' but still shows as a closed account, with late payments and an outstanding balance. 

This is incredibly frustrating, and totally unacceptable.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC (IL)

On XX/XX/2018, I was notified by XXXX XXXX, a credit monitoring company, that I had a debt that went into collections. At complete disbelief, I went to check out what this debt was in regards to. It was a collections from a company called " Miramed Revenue Group ''. On XX/XX/2018 I had called Miramed to find out what this debt was for. They refused to validate the debt or tell me any information as to why this was sent to collections. I wasn't going to pay on a debt I had no idea what I was paying for, or be scammed not knowing if it was even for me or valid of me to pay, let alone even notified for. I was never once notified of an outstanding debt or sent an invoice or even notification that I was going into collections. I found out the debt went into collections in XXXX for {$150.00}. I still wanted to see an invoice to see who I was paying or what I was paying for. I never received any of that. The collections agent said I couldn't get any written validation of the debt and I couldn't dispute the debt. How am I supposed to know what I am paying for?
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.