davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX has not tried to resolve the inaccuracies on my credit report. I have been trying to contact someone since XXXX. The last complaint filed, I receive a response stating to give them a call, I called the number that was provided, left a voicemail and have not heard back. This company refuses to assist me with how they are reporting and at this time if the information is not updated correctly I will seek legal action. They continuously hurt my credit score with the false information thats on my credit report for XXXX, XXXX   and TransUnion. I'm trying to buy a home and this is my way of moving forward. XX/XX/2019 should be the only past due payment. The many times that I have tried to correct this there is no hope but to sue this company. 

With TransUnion they are reporting 5 late payments, XXXX shows 1 late payment and XXXX  they are reporting 2 late payments. This information is incorrect and again I have tried to resolve this with no assistance. It seems as if no one at XXXX cares, cant read and definitely and are ok with giving incorrect information on customers credit report.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Malen & Associates, p.c. (NY)

Malen & Associates PC purchased a debt from XXXX XXXX. The debt was loaded up with added fees and penalties prior to the sale of the debt. Malen & Associates PC did not provide adequate documentation when asked to verify the debt. Malen & Associates PC refused to settle the debt in good faith on several occasions. Although Malen & Associates PC claims they are settling in good faith. The company is fully aware that the debt was stacked prior to purchase and is collecting this debt with malice. Malen & Associates PC cites an amount in excess of {$6000.00} every time a debt settlement is made and then will extend the terms and create further financial hardship to the debtor.
Consumer complaint received 2020-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (KY)

I currently have my personal PNC account connected to an app called XXXX that will take round ups of money spent and invest into stocks for you. I just recently started another PNC account and when I tried setting that account up on XXXX  I was notified that PNC has changed something that does not allow for their customers to use XXXX  anymore.
Consumer complaint received 2020-04-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Dear CFPB : In XX/XX/year>, I received an email invitation to apply for a Capital One Quicksilver credit card that came with a promotional bonus of {$200.00} if I spent {$500.00} within XXXX months. I applied and was approved for a {$3000.00} credit limit. I met the {$500.00} spending requirement before the XXXX months timeframe but noticed the promised {$200.00} bonus did not reflect on my online account.

I called Capital One and was told by the customer service agent that I was not eligible because the bonus was only meant for customers with 'excellent credit '. He insisted I applied for a variant of the Quicksilver card for customers with 'good credit ' which did not come with a bonus. I told him I had/have excellent credit with an average score of XXXX out of a possible XXXX and was sure I applied for the right card.

He then transferred me to a supervisor who did not resolve the problem and only escalated the matter with a promise that someone would get back to me. I have no confidence this escalation would lead to a satisfactory outcome.

It seems to me Capital One is dealing a sleight of hand and has no intention of fulfilling its advertised promise of a bonus.

Thank you for your time.
Consumer complaint received 2022-04-11
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. (FL)

XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information.
Consumer complaint received 2020-04-15
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. (GA)

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Consumer complaint received 2020-04-15
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 applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help me.
Consumer complaint received 2020-04-15
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 applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help me.
Consumer complaint received 2020-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/2020 I sent {$500.00} to my girlfriend through XXXX on Bank of American ( BOA ) app XX/XX/2020 My girlfriend told me she has not received the money yet, I was confused and gave BOA a call and was told that {$500.00} was transferred to anyone else who has exactly the same phone number as my girlfriend in the account and we actually do not know who he/she is, I made a dispute for claiming the money back. Besides, I called and messaged the money receiver with the 'same phone number ', no reply!!! 
XX/XX/2020 I called BOA again to check how the dispute is going and was told to wait XX/XX/2020 I received the paper letter from BOA indicated that they can do nothing, I called BOA again and again and was told I can not make a dispute anymore, BOA has closed the case, they can not help to get my money back
Consumer complaint received 2020-04-15
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 applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help me.
Consumer complaint received 2024-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

My loan was changed from XXXX XXXX to XXXX and I applied for the SAVE program in summer of XXXX and they never processed it. I have filed numerous complaints with the CFPB and the government about this. Now Mohela took over the servicing of my loan I spoke to XXXX on XX/XX/XXXX about my bill coming without any SAVE program enrollment. Mohela is required to get all of my information from XXXX and or the Federal government and they have failed to do so and keep billing me. I told them under XXXX 's rulings, they have to put me in administrative forbearance until they process my SAVE loan. I also updated my income with XXXX before Mohela took it over. Neither XXXX nor Mohela has processed my SAVE application which is illegal to this date and neither had put me in administrative forbearance until they do, which is required under the XXXX administration. Now I am getting late notices for a student loan payment which is illegal on two counts, one it is not processed under the SAVE program ever by either student loan company and two it is not in administrative forbearance. I want something done now as they are required by federal law to enroll me in the SAVE program and put me in such administrative forbearance. I warned XXXX who I spoke to on the phone to not pull any scam and he did. As he did not do what I asked him to do and all calls are recorded. It is illegal that neither student loan company processed my SAVE application and I provided documentation of my income over and over. So they are playing games and refuse to cooperate with one another and sending me illegal bills and not putting me in administrative forbearance. I am not getting emails from the Department of Education because of this trying to charge me late fees. " Federal Student Aid Reminder That Action Is Needed on Your Federal Student Loans Hi Samone, Be sure to stay on track with future loan payments.

A New Action You Can Take To Avoid Late Payments Set up auto-debit. Auto-debit ensures your loan payments will always be on time. If you set up auto-debit, you may be eligible for a 0.25 % interest rate reduction.

Contact your loan servicer to set up auto-debit.

Find Your Servicer I demand that Mohela process my SAVE application and get all necessary paperwork from XXXX and or the DOE and immediately put me in administrative forbearance.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

CITIBANK has not tried to resolve the inaccuracies on my credit report. I have been trying to contact someone since XXXX. The last complaint filed, I receive a response stating to give them a call, I called the number that was provided, left a voicemail and have not heard back. This company refuses to assist me with how they are reporting and at this time if the information is not updated correctly I will seek legal action. They continuously hurt my credit score with the false information thats on my credit report for XXXX, XXXX   and XXXX. I'm trying to buy a home and this is my way of moving forward. XX/XX/2019 should be the only past due payment. The many times that I have tried to correct this there is no hope but to sue this company. 

With XXXX  they are reporting 5 late payments, XXXX   shows 1 late payment and XXXX  they are reporting 2 late payments. This information is incorrect and again I have tried to resolve this with no assistance. It seems as if no one at Citibank cares, cant read and definitely and are ok with giving incorrect information on customers credit report.
Consumer complaint received 2020-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and XXXX Equifax, and XXXX  has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-04-15
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 (CA)

I tried logging into my Capital One credit account and it didnt let me so I called the directly and after giving all of my information to them they said they cant tell me but the account has been closed. I asked when was it closed he said he couldnt tell me that I asked about the payments and money that I pay monthly he said he cant talk to me about this account I then asked again why this account that was in perfect standings was closed and he replied that he could no longer talk to me about this account. I have recently paid them as I do monthly as would like a explanation and a refund on the money that I have given this company. It also shows on my credit report that is was closed. My account Once again has always been in perfect standings and all I was trying to do is go on my app and make a payment. Now I have money that Im at a loss as well as a company that wont talk to me at all or give me details after providing my ssn number dob full name.
Consumer complaint received 2024-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

Transworld Systems on behalf of XXXX University is attempting to collect a debt on behalf of my daughter. My daughter and I were never at the facility on the dates of service provided by XXXX billing, nor has my daughter ever been at this facility. This is clearly an error and XXXX continues to attempt to collect a debt even after I already filed a complaint with the CFPB about their former practices and past threatening phone call. I did not authorise any services or sign any documentation requesting care for my daughter at XXXX nor was my daughter there on the dates of service. This is not a valid debt.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I purchased a used vehicle in XXXX. I financed it with XXXX. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and XXXX continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and XXXX doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because XXXX is reporting far beyond the 7 year reporting time.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: 1ST IBERIA CREDIT, INC. (LA)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. I financed it through First Iberia Credit which  is the biggest mistake I have ever made. The price of my car was {$3700.00}. The total amount owed on loan came up to {$8800.00}. 33months at {$260.00} per month. 
I paid faithfully for 17 months. Then I fell on hard times. My car was reposed in XX/XX/XXXX. My refinance total was {$7900.00} TOTALLY RIDICULOUS!! I paid 17 payments of {$260.00} a total of {$4500.00} but my new loan is only {$950.00} different. SERIOUSLY!! These people are crooks and should be investigated as such. I have paid 10 payments on my new loan 10 @ {$210.00} Total of {$2100.00}. When I made my payment in XX/XX/XXXX I was given a written receipt. It showed my balance remaining as {$6000.00}. I came unglued. I have already paid these people a total of {$6700.00} and they say I owe {$6000.00} more. That would mean that I will pay {$12000.00} on a car that sold for {$3700.00}. That is a total of {$8900.00} more than the car. For what?? Interest and anything else this man chooses to add on to your loan. XX/XX/XXXX {$660.00} was added to my loan for what they wrote down as recovery fees. I had no idea. Was not told anything. It wasn't until I went to the office in XX/XX/XXXX and asked for a copy of all of my paperwork. That is when the XXXX hit the fan because I started asking questions and they all started passing the buck. This stuff has to be against the law. They are robbing me blind. I did not make my XX/XX/XXXX payment. I informed the manager that I was filing a complaint and I am not making another payment until I hear from you. This must stop.. 
Thanks