davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

This is in regard to an XXXX  sale of {$1600.00} involving two large speakers. Payment was made in full on XX/XX/2019 with Buyer arranging payment through XXXX. XXXX released funds to me after the mandatory hold on XX/XX/2019. Two months later, on or about XX/XX/2019, XXXX notified me of a dispute with Buyer and asked for documentation to assist in resolving the Buyer 's issue ; documentation was sent immediately. On XX/XX/2019 XXXX notified me of decision by Buyers bank to reverse the purchase charge, demanding I add funds to my XXXX account to resolve the negative balance. 

Buyer refuses to return merchandise claiming speakers were not as advertised. They were. Photos taken before the sale ( at Buyer 's request ) and after were sent to Buyer XXXX and later, XXXX ). Buyer first filed a claim with XXXX claiming speakers were damaged in shipment ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ).  Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition XXXX will not release any transaction details ( Buyer 's bank or credit card company, correspondence between XXXX and Buyer 's bank or credit card company ). XXXX 's Resolution Dispute Department in woefully inadequate, unavailable and not interested in customer satisfaction.
Consumer complaint received 2021-11-17
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. (NJ)

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 2020-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

We paid all the dues regarding the rent for our apartment before moving to a different condo. We got the receipt as full and final settlement from the estate manager of the apartment complex. IQ data international contacted us as the collection agency of the apartment complex and we have explained and provided the documents. Still they have reported this as debt to credit agencies resulting in impacting my credit report and score negatively. Despite reporting the credit agency and disputed the debt, it is still showing up. IQ data is not taking any action to withdraw the debt.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (CO)

XXXX and AAFES both refuse to correct erroneous information on my credit report. 

My account was paid in full and closed XX/XX/XXXX. 

They are reporting ai had a late payment XX/XX/XXXX. I did not even have an open account
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

In the case of all three credit reporting agencies ( Experian, XXXX, and XXXX  ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.
Consumer complaint received 2020-04-10
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: Southern Management Systems Inc. (AL)

In 2017, along with a co-signer, I signed a lease at the age of XXXX. In Alabama the minimum legal age to sign a lease is XXXX. The company continues to pursue me, rather than my cosigner, for this debt and it continues to be reported by transunion on my credit file.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aargon Agency, Inc. (IL)

The company has failed to respond with the dispute validating or verifying any information. A bill doesn't constitute proof of a debt. I asked for specific information that they failed to provide. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 


Furthermore I have been in contact with the original creditor who has provided different information not matching what limited information they did send. The debt isn't even with their agency.
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (MD)

Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( XXXX, XXXX  and Experian ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : Experian : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX ( shows up twice ), XXXX XXXX  and XXXX  XXXX XXXX  : XXXX, XXXX XXXX XXXX and XXXX  XXXX  I am requesting these inquires be deleted immediately.
Consumer complaint received 2020-03-31
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. (NY)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX company and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX   promised.
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (IL)

I noticed on my credit report a collection notice from CREDENCE RESOURCE MANAGEMENT for a XXXX/XXXX XXXX XXXX charge that I did not recognize. I contacted Credence about this charge they said it was about a XXXX   account ending in XXXX, which to my knowledge was paid in full. I contacted XXXX  and found that the amount that credence resource management was claiming was already paid in full, and should not be reporting any owed debt. 

XXXX / XXXX  ACCT # XXXX paid in full with payment : CONF # : XXXX
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I got a notification from capital one that I have {$4800.00} available for withdrawal in my account following the notification I transfer those funds into my other capital one savings account. Then i received an email this morning that there is some unusual activities on my checking account where I received the initial amount of {$4800.00} in the first place. and when I tried to open and access my checking and saving account accounts I saw both account were restricted by capital one and my checking account went from XXXX to - {$4800.00}. I called the capital one on the number they have provided me XXXX with Ref:XXXX they keep giving me a run around and hanging up on me instead of helping me resolve this issue while at the same time the negative balance capital one is trying to charge interest on that account while I was asking them to simply take the balance from saving account that I withdrew when I first received the notification of available funds and deposit back to checking account but they are not helping me to do so. They are asking for my wife 's information as according to them the amount that came in was under her name. All the information that me and my wife are giving to them they are denying that it is us. My question to them is if once the amount was issued on my account there was processing time for them to verify if the coming fund from the account where is coming from is genuine or not as according to them it came from a closed account. They processed it saying it's available for me to withdraw and now that close account did the reversal on my account in the same amount and they gave the money back to them putting my account into a negative amount of - {$4800.00}. Instead of doing investigation on this fraud they release the funds to the scammer and jeopardize my account into a negative balance and now asking me for the money.
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I am a victim of identity theft. I discovered it in autumn of XXXX when I tried to open a credit card with XXXX XXXX. I believe my information was stolen after my first visit to the US in XXXX and used from XXXX to XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XXXX to autumn XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not Citi and XXXX XXXX. I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. XXXX is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. Citi went even further and started selling this account to credit collection agencies and these started reaching out pushing me to pay for something I never owed. Every investigation result they send me is the same template. The investigation team never reached out to me even after they promised me to get me with the investigator. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please assist, as at this point I dont even know what to do as these banks are straight harassing me with no reason for this messing my perfect credit history.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Hello, in XXXX I was abroad in XXXX and took a cab from the airport which I was quoted and told is XXXX XXXX  real = XXXX USD. I used Citi credit card to pay for the 30 minute cab ride. The taxi driver quickly rushed me out of the car, swiped my card through the window using his phone paying system, did NOT obtain my signature and just drove off. 20 days later when I checked my statement from Citi card I realized I was charged {$420.00} for that cab ride! I was overcharged {$410.00}!!! I immediately contacted Citi and they reversed the credit pending investigation. They ruled out in favor of the merchant citing I did not have enough proof. How could I provide proof for something that I never approved or was never given a receipt neither did I sign anything??? I was scammed abroad. 
Customer service of the merchant does not provide English support so they are of no help. When I called and emailed Citi cards 3 times explaining in detail and talking for hours on the phone with different representatives, they are not willing to investigate further or obtain proof from the merchant, they are putting this responsibility on me, the consumer, who was scammed and a victim of bad business. They refuse to reopen the claim citing I still would not have the evidence. And in the explanation letter they are pretty much threatening to report me to the consumer reporting agencies if I do not pay the required and full amount ( which I believe is illegal to do so by FTC ). 

It has been the worst experience with the bank pretty much telling me it is my responsibility to pay over {$400.00} in charges I never authorized. This must be illegal and not fair towards the consumer. 
Please help me with this claim.
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION (CO)

* Alliant Credit Union fairly recently switched to a new online portal, and in doing so they broke my Autopay, and they never informed me until I received a threatening letter stating that my loan is delinquent.

* I've attempted ( many times ) to fix the autopay, but the website is still having some kind of bug that prevents me from getting the autopay working, with an error stating that Autopay is already configured, and I must call support for further assistance.

* I've contacted support many times both via phone and secure online messages asking for this issue to be rectified but I get no where with Alliant support. I have wasted hours of my time trying to get this resolved to no avail. The website has a bug and support is unable to get my AutoPay working again. 

*Alliant is charging me late fees. I have always had autopay enabled and I have never missed a payment until they broke my autopay during the transition to a new portal ... 

* Furthermore, when I initially set up my autopay, I had set it up to pay a bit more than the monthly expected payment and there was an option that I selected to have the the remaining extra payment applied to principal. After further examination since the issue above happened, it appears that my extra payments towards principal actually was not being applied to my principal. 

*Alliant has yet to provide me with a loan amortization schedule that dates back to my first payment, and am unable to reconcile my account because online statements do no go back far enough. I have asked Alliant to provide me with ALL statements since loan inception and they still have not sent it to me.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I have my mortgage through Wells Fargo. Wells Fargo used to maintain different web sites that serviced their mortgages. It was www.wellsfargo.com/ym. During the months of XXXX and XX/XX/2020 I received letters telling me that this website is going away and I needed to enroll my mortgage into their XXXX  website that services all of their other account types. I followed that process, however my mortgage never showed up on the online account as promised. I always make my payment using this website. I called to make my payment on XX/XX/2020. I was able to make that payment with the phone banker at the time. However, she told me she was unable to complete the setup and that I had to talk to a tech team member. I was placed on hold for approximately 30 minutes without anyone answering the phone. I had to drop the call because I had to work then. I then called about 2 more times in the coming weeks and was unable to speak to anyone. I was finally able to get through on the line today. I held for 20 minutes and was told that my account was " restricted '' and could not be activated that he needed to talk to tech. I was placed on hold for another 40 minutes at this time. The rep came back to the line and told me he now had to transfer me to another tech team that I have a " restricted '' account. I asked what this meant and he could not answer the question. He then asked me to hold so he could transfer me to tech. I demanded to speak to a manager and was then placed into yet another hold. After 15 minutes the line dropped. I still have no access to the web site and now am concerned that there is an issue with my account that no one is explaining to me.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This information is in regard to Experian Credit Reporting Agency.

Credit Report Number : XXXX Experian has continuously and is currently reporting 2 accounts that is a result of identity theft within my credit file. The info is with XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Perpetrators were able to obtain several loans, bank accounts and credit cards using my information. I had filed a police report, I had filed an FTC identity theft report, and yet they ( Experian ) still kept the fraudulent information within my credit file. Not only did they did this, the credit bureau ( Experian ) has also updated and maintained this information within my report, even though Experian and both ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ) companies has failed to send me information on who opened up these fraudulent accounts. 

Several times I have asked Experian to remove the accounts and to verify who had opened these accounts with XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, and to several times, no success or avail. 

Ive also reached out to both companies XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX XXXX kept on giving me the run around and no one never returns my calls. While a representative at XXXX XXXX  told me the company has its obligations to keep a record on everyone, regardless if that person is an ID THEFT VICTIM, and even if its mine or not. Nor are they obligated to send me anything as well on the fraudulent account even though a police and FTC REPORT was filed. I had submitted a police report and an FTC identity theft to XXXX XXXX XXXX. 

Both fraudulent accounts are still within my credit as of XX/XX/2020. 

I currently work as XXXX XXXX at XXXX XXXX, in XXXX XXXX NY. 
So daily I have to restrict my commute by using XXXX/XXXX  services due to the exposure of the Coronavirus on XXXX  public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan due to my Identity being stolen and fraudulently used. As well as the fraudulent acts of Experian Credit Bureau. 

Im facing risk with my life everyday, and the last thing that I should be worrying about is my credit being used fraudulently at Experian Credit Bureau. Experian has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.