davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2020-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX My sister asked if she can transfer money to another bank account through my account. Because she was unable to do it through her account. We sent XXXX US dollars to an account that was in XXXX XXXX. This was the information given to my sister. 
BANK NAME XXXX XXXX ACCOUNT .NAME XXXX XXXX ACCOUNT NUMBER XXXX ROUTING NUMBER XXXX BANK ADDRESS XXXX XXXX, XXXX , NY XXXX My sister sends me a message on XXXX XXXX telling me she found out that it was actually a scam. 
I bank with Chase Bank. I called immediately about the issue That it was fraud. They simply told me they are not able to retrieve the money that was transfer.
Consumer complaint received 2020-12-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion responded with a copy of my standard credit report twice. The first letter is dated XX/XX/2020 and I received it on XX/XX/2020 ; the second letter is dated XX/XX/2020 and I received it on XX/XX/2020. Copies of the first page on each letter is attached herein. Neither letter addresses they reason why they keep lowering my credit score whenever I make a car payment or pay off a loan early. I also want to make note that they sent a letter addressed to my DOG ... a Black Labrador Retriever named XXXX XXXX and that I have printed on my return address labels. A copy of that letter will also be enclosed herein. This is proof that TransUnion employees are not paying any attention to details being sent to them for response and that is unacceptable. Please help me.
Consumer complaint received 2022-02-22
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: Debt Recovery Solutions, LLC (TX)

I have tried disputing this information with the credit bureaus. They have ignored me. My information has been shared without my consent. I am requesting that you have them remove this information from being shared publicly
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Skrill USA, Inc. (FL)

PLEASE UNSUBSCRIBE ME! 

you don't have an unsubscribe on your email- i do not wish to receive mail from you, or to have an active account with Skrill! 

thank youXXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

I received a letter in the mail from Westlake portfolio  around XX/XX/2023 stating that I had a balance from the original creditor of {$2900.00}. I forgot about the letter but then I received another letter in the mail on XX/XX/2023 stating the balance is {$3600.00}. I immediately attempted to contact the agency I spoke with a representative who told me his name was XXXX ID XXXX, he was very rude when I asked him why did the balance go up and asking for clarification. He stated to me in a very rude matter Do you want to settle with us or do you want to file a report with FTC I see you have already dome that in the past you just need to settle the account or what. I asked to speak with a supervisor he stated the supervisor was unavailable. I disconnected and called back hoping to get another representative who can answer my questions I got a representative name XXXX XXXX he refused to give me his ID number. I asked him in regards to the discrepancy he stated that the bal was {$3600.00} the whole time when I Advised him that wasn't the case because I had received a letter earlier this giving another balance. He began to get rude as well and stated do you want to take the settlement or not. I asked for a supervisor he refused to put a supervisor on the phone I asked to be transferred to a supervisor voice-mail he refused that as well and he disconnected the call.
Consumer complaint received 2020-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On ( XX/XX/2017 / {$640.00} ), CAPITAL ONE BANK added a derogatory mark on my credit report per XXXX XXXX / XXXX /XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, CAPITAL ONE BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Consumer complaint received 2020-12-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Bank account ( within same bank as loan servicer ) used for automatic withdrawal was subject to fraud. This caused an automated stop-check ( bank initiated ) on all outgoing payments, including to the bank itself. After this occurrence, HELOC was withdrawn from an external bank account with no problem. The loan servicer ( Flagstar ) then informed that we could no longer pay by any means but cashiers check for a period of XXXX months, assigned late fees, and reported the account as delinquent to credit bureaus. The bank is now taking XXXX business days to cash said checks and posting payments as late. They refuse any payment. We have a separate account in good standing with the bank which is allowed to be paid in any format and has never seen an issue.
Consumer complaint received 2015-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

In late XXXX I contacted Wells Fargo Home Mortgage regarding a loan modification after several months of unpaid medical leave of absence. They advised me to just " pay what I can '' and that since I would be going through the modification process that I would be reported to the credit bureaus as paying under a " payment plan. '' This is in line with what they did in XXXX, when I modified as well. I entered into the trial payment plan, made each as specified, but I didnt complete the modification as I brought the mortgage current on my own. Wells Fargo lied about how my payments would be reported. Though they reported them correctly during my modification XXXX, this time they reneged on their promise. They reported me as 30, 60, and finally 120 days late, despite the fact that I paid them exactly as specified under the modification terms. This has wrecked my credit and put me in an awful predicament.
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

I have also reached out to all companies listed for validation of account and have yet to receive any response and it has been over 30 days.
Consumer complaint received 2020-12-27
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their Chairmen of the Broad they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. 
Can you please direct me to someone or a company to can look into this matter.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-22
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

The account with PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX  ) with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX XXXX  XXXX, I would like to request for complete payment on this. Also, the balance says that I have XXXX balance. I'm not sure if the XXXX Bureaus have conducted a thorough investigation.
Consumer complaint received 2020-12-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (NJ)

I received a letter for a settlement amount of {$3600.00}. ( Dont have copy ) I payed that settlement amount of {$3600.00} from a county XXXX XXXX account ending in XXXX on XX/XX/20. The account is under my wifes name XXXX XXXX XXXX XXXX Wells Fargo is still reporting this account as charged off and still past due over {$5000.00}. 

This account was paid off per the settlement letter sent in XXXX. 

This is unfair and unlawful. 

Please update my credit report ASAP. 

Thank you.
Consumer complaint received 2020-12-27
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. (TX)

UPON REVEIWING MY CREDIT REPORT I NOTICED SEVERAL ACCOUNTS ON MY REPORT THAT I HAVE NO KNOWLEDGE OF. THE LASTEST ACCOUNT FROM A COLLECTION AGENCY I HAD NOT HEARD OF NOR HAVE I HAD ANY WRITTEN INFORMATON FROM THIS COMPANY. EQUIFAX HAS A HISTORY OF BELIVING WHAT'S REPORTED. I HAVE NO KNOWLEDGE OF XXXX XXXX XXXX XXXX I OWE ANYTHING TO REPORTING BY XXXX XXXX.
Consumer complaint received 2020-12-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: COOLEY ENTERPRISES INC (TX)

A few days ago I bought a new truck from XXXX XXXX XXXX XXXX in XXXX Texas. Once the final price of the vehicle was established I was asked to go to the bank and get the down payment for the vehicle that we agreed to. Once I arrived back from my bank with the down payment I went to the finance office. In the finance office I was told that I have to buy extended warranty in order for me to buy the truck at the price we have already agreed to previously without any stipulations I was also told that I qualify for a lower interest rate at 2.5 % but because the dealership is not making enough money on the sale of the truck I have to pay 4.5 % interest first four months in order to secure the deal. They said just finance it for 4 months and then you can pay it off or refinance but not before then. I told him that's incorrect information he went to the manager and came back to the office and said they are no longer willing to sell me the truck then gave me my down payment check back. I had already invested four hours of my time being there and waiting with my family they used this against me and force me to buy the truck without warranty but with a higher interest rate he even showed me that I qualified at 2.5 % APR with almost to XXXX credit score and a very low debt to income ratio and 50 % down payment on truck.
Consumer complaint received 2024-02-22
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. (NY)

i made numerous attempts to dispute information on credit file and i havent gotten any remedy. Experian has been using my data and furnishing my information without my consent. I didnt give consent to the consumer reporting agencies or the creditor who is reporting the data to experian this is third complaint that i filed regarding this matter and im really frustrated. i think im a victim of identity theft because i dont recognize accounts on my credit file that i dont believe i contracted with
Consumer complaint received 2023-06-12
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 (NY)

Today, XXXX XXXX, I was notified that I had received a statement credit equivalent to all my rewards points. Capital One had converted all of my rewards of over 96,000 MILEs to a statement credit at 0.5X the number of miles. 

They had closed my card WITHOUT WARNING and done this. I understand it is their prerogative to close the account. However, they had advised me that they would be closing my bank account. I called the credit card company on XXXX XXXX XXXXXXXX and they said that no such action was pending on my credit card. 

I also asked for a PRO-RATED refund of my annual fee which was XXXX. Capital One said that I had exceeded the window for obtaining a refund. A window that of course applied to when the customer closed the account. NOT THE ISSUING BANK. 

I reached a representative over the phone and she had told me that all these actions were covered by the terms of my credit card agreement. The ONLY thing contained in the credit card agreement was the bank prerogative to close the account. Nothing else was stipulated about the rewards or the annual fee refund. 

I also have a travel credit of XXXX  as part of a price protection agreement that Capital One is not crediting to me. I was advised I would have to be a Capital One cardholder to use this, but since I was not the one that terminated the account, I should be entitled to this. Had I booked the flights with XXXX, I would have received the cash straighaway. 

When pressed, the representative continued to insist that these were all contained in my terms, which she was clearly unfamiliar with as she could not specify where in the terms those specific points were covered.
Consumer complaint received 2020-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC (NY)

On XX/XX/XXXX, I was a vacation with my family. I Visited this vacation club. They told me they have a system a website where you could send families and friends when they travel they will get 50 %, and I will get 50 % I greed is an awesome deal. They indicate that after the purchase is completed, right after I can go to the site make reservations to any hotel, I can buildup points eventually, I buildup enough points to cover my next hotel reservation fee. XXXX I tried to make a reservation, I could not make the reservation, so I had to call customer service ; they end up making the vacation for me. I didn't trust the company anymore, so I drop a cancelation letter on XX/XX/XXXX to cancel the membership. On the phone with customer service through XX/XX/XXXX, when still XX/XX/XXXX cancels the membership, they never cancel it. After several phones called with a back-and-forth with management, they called me to give me a new deal since I already gave them a {$900.00} deposit. I ended up making a deal. They gave me a new contract but the original company, Monterey financial bank, is still after me to get the original balance from my getaway vacation. I send them an email confirmation letter to get a vacation that I paid this account in full, but they are still trying to get their version of balance for me. I would like to have them remove this balance from my credit report and close this account. Monterey Collection XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (AR)

On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: ROBINHOOD MARKETS INC. (NC)

Hello i'm contacting you guys in regards to either unlocking my account or closing it and sending my check in the mail. It started with robinhood locking my card and i was unable to use the card. I tried all the ways they told me to verify generally ive had a great relationship with them they generally fix my issues. But this time they want me to verify account statements i've no longer have access to nor the banks because the accounts are closed. So id be really happy if they can unlock my card and let me continue using the service or id just simply like to close the account and send me a check of my remaining balance.