davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
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: EQUIFAX, INC. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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,
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I received a letter that said I would receive a {$75.00} credit if I spent {$500.00}. Now they are saying its only a {$50.00} credit and won't honor the {$75.00} without me having to give them the letter they sent me. They also said they won't post the credit to my account for 60 days so they can charge extra interest.
Consumer complaint received 2020-04-07
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit Card placed {$1500.00} on my Credit Card which had {$800.00} limit with {$700.00} already on it by XXXX XXXX. I told them XXXX had no right to bill me due to a contract with my car insurance. Capital One Sent me bills with this amount and asked for interest and everything be paid over the limit vs asking for just the payment due with a min of {$25.00}. Capital One shockingly had to remove the disputed charge but 4 months later. 
I attached the original bill stating min was NOT {$22.00} as Capital One reported and gives as reason why they repotred me late 120 days? 
THIS IS IN BLACK AND WHITE & SO IS REASON WHY I WAS LEFT AS 120 days late? 
REASON FOR DELETE IS SIMPLE? 
WRONG MINIMUM AMOUNT REPORTED. 
WAS > {$450.00} min vs {$22.00}? & I CAN NOT BE EXPECTED TO REPAY A DISPUTED CHARGE ESPECIALLY SINCE I PROVED RIGHT! 
SEE MY INITIAL BILLS AND SEE THE {$22.00} min they claimed to as why they did not delete after I won dis [ pute. They say I should have paid the {$22.00}? I FOUGHT THEM ON THAT THE ENTIRE TIME?? > IT WRONG AMOUNT SO DELETE IS REQUIRED ANYWAY??
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a business checking account, and someone withdrew twice, in the amount {$4900.00} and {$4900.00}, in the form of ACH, as a result I contact my bank, that said I only have 24 hours to report these transactions as fraud from the date of publishing, meaning I have less than 24 hours to handle everything, which I did, but then they are requesting 10 days to get back to me, and that is a lot of money from a vendor I never use. The transactions are by XXXX, that I have already reached out and wanted to give a warning, but they said I can do nothing with them, and that I would need the member who withdraw my money on the account to talk to them, and I was unable to report that as fraud with them.
Consumer complaint received 2021-06-19
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: Resurgent Capital Services L.P. (FL)

THESE ACCCOUNT ARE FRAUDELNT AND ARE REPORTING IN MY CREDIT REPORT I HAVE REPORTED THIS PROBLEM TO XXXX  XXXX XXXX IN SEVERAL OCCASION XXXX  XXXX XXXX # XXXX ... 
XXXX  XXXX XXXX # XXXX 
LVNV FUNDING LLC # XXXX
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (IN)

I submitted my first complaint XXXX on XX/XX/2021 because I was wrongfully denied for the Apple Card by Goldman Sachs due to a reason given that I had recently experienced a charge off. I spoken with XXXX and they verified that there was no recently experienced charge off. I submitted a second complaint XXXX on XX/XX/2021 about a similar problem with applying because I was still being given the same reason of denial which the last date of denial was XX/XX/2021. I was given a response to my complaint on XX/XX/2021 that the bank only allows a certain amount of applications within 30 days. I was told by the Apple Card Specialist Manager that I had to wait 30 days from the date of my last application to reapply via a phone conversation. Now it is XX/XX/2021 ( after 30 days ) and I am still not able to apply.
Consumer complaint received 2020-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (MD)

Dear CFPB i have owed this company consumer portolio sinceXX/XX/XXXX. the balance never seem too cease. XX/XX/2020 my car was hit sitting at a traffic light, according to XXXX my insurance co the car was considered a total loss because the air bags ejected. the loss amount of XXXX was paid too consumer portfolio. this company never called me to discuss my other options, except continue to pay and they considered my account in the rears even though payments was made in XXXX. it was said to me on XX/XX/2020 when i called that the payment did not come from me so my account is considered late and more late fees has been added to the account. i was so upset because the black balled my name with the credit bureau 's. i can not get another car even if i want too. plus with the virus out here killing people, i have not been able too work since XX/XX/XXXX, my workplace was force too shutdown. so now i have no car and can not get one. please help me!
Consumer complaint received 2023-05-11
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. (FL)

I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter that was sent According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have the knowledge concerning any such items of information. 

They sate my accounts were verified but how could that be possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. 

List of the accounts disputed : 1. The following account is not mine XXXX XXXX XXXX Acct # XXXX ... .Date Opened : XXXXPlease remove it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
3. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report.

4. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX 5. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX
Consumer complaint received 2021-06-19
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: HYUNDAI CAPITAL AMERICA (TX)

I've reached out to KIA Motor Finance several times to resolve this issue. My insurance company sent them a check for total {$10000.00} for total loss of the vehicle on XX/XX/12, the checked cleared on XX/XX/XXXX. I've attached a copy of the check for your review. KIA never applied the payment to my account. They still have not located the check, although, I've sent them a physical copy of the checking containing the date, signature, and addressee of the check. This money has never been applied, after following the same steps each week of faxing them all the required documentation of the payment. I pray that you all can help me, I worked so hard to improve my life by make strides in my credit, only to have it diminished by the company. I've done everything they've requested, including emailing and faxing the checked they cashed. Pleasd help resolve this matter.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (GA)

XXXX I contacted US bank to dispute fraudulent charges. Was told my card was blocked but they continued to allow charges to go through for 2 days XX/XX/XXXX I was notified a new card was being sent XX/XX/XXXX I was notified another card was being sent XX/XX/XXXX I receive a card with the exact same number as previous card. 
XX/XX/XXXX I contacted bank and was told anothe card was issued due to mistake. They blocked this second card and told me that they would 2 day me a new card which should have arrived today XX/XX/XXXX I am told the card should arrive tomorrow XX/XX/XXXX no card is received I called and was told that there was no rush put on the card and I would have to wait for regular mail. 
Spoke to XXXX XXXX and was told I would have to wait for card and that was it or I would have to pay to wire money to a new account and pay for it. She refuses to reimburse me for this. 
I was lied to on numerous occasions and now Im sitting here with no acces to my money to buy groceries or gas meanwhile I am a single mother to a XXXX XXXX XXXX son and I need to buy groceries for him and get gas in my card. I was transferred from one person to another with no resolution to my issue. Us bank does not care about its customers and is holding my funds XXXX due to them not being able to do their job correctly. Was told that they would pull the call records and couch the banker that told me the lies. I am so disgusted. I am also 100 % XXXX veteran with XXXX and this whole situation has aggravated my condition.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MD)

I applied to a credit card with Citibank. Citibank denied me the card, stating my information on the my XXXX  credit report is does not have enough history. I actually do have plenty of history, it is just that my accounts have been closed. Before I applied, i verified with Citibank for this particular credit card I applied to, and they told me that they are accepting and approving applications this year and last year due to the Pandemic even if applicants do not have much information on credit file. However, Citibank did not keep their promise and denied my application. I am requesting an explanation as to why. 

Application ID : XXXX.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This has actually happened with two credit cards, XXXX XXXX and Kohl 's, and both occurred after I thought I'd submitted a payment or set up an auto payment. Both times I apparently didn't hit the confirm button, or made some other mistake because each time the payment was not received ( I have since paid the bills off, but I was charged late fees ). My question/complaint is this -- and I ask here because I can't find any information anywhere about this issue : neither credit card let me know my account was past due. Neither account let me know that a payment was not received. Had I known, I could have simply paid the bills the next day or as soon as they let me know. Are credit card companies permitted to not let customers know that they have an outstanding payment? I have alerts set up for my XXXX XXXX XXXX and my Kohl 's card, which I rarely use. They do not send me paper bills ; everything is via email or on their websites. At what point do credit card companies feel they should tell a customer that their payment is overdue? Are they allowed to say nothing until the lay payment ends up being reported? Since everything is on paper or automated now, this seems like a little loophole for companies to quietly collect late fees.
Consumer complaint received 2021-06-19
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: EQUIFAX, INC. (CA)

There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with XXXX, Equifax, and XXXX  and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and traumatized me since I was a victim of domestic  violence as well as identity theft. The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX XXXX  XXXX XXXX account shows paid off XXXX XXXX XXXX- account shows paid off XXXX XXXXXXXX XXXX XXXX  and XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and XXXX
Consumer complaint received 2021-06-19
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. (PA)

THIS IS XXXX XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF.I DO NOT HAVE A THIRD THIRD PARTY. I AM STATING THIS BECAUSE I HAVE RECEIVED REPLY BACK WITH A STALL TATIC THAT THEY USE TO PROLONG THE PEOCESS AND I WILL USE ALL DOCUMENTS IN EVIDENCE IN MY LAWSUIT. I HAVE SUBMITTED NUMEROUS LETTERS ON NUMEROUS OCCASIONS TO COMPANY AND CREDIT BUREAU AND ISSUE WAS NOT RESOLVED EXPLAINED OR VERIFY AT ALL!!! I WOULD LIKE THESE UNAUTHORIZED/FRAUDULANT INQUIRIES AND ACCONTS AND ADDRESS REMOVED FROM MY CREDIT PROFILE
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.
Consumer complaint received 2021-06-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I had a older account with Credit Acceptance and was able to pay off as quickly as I could. I called for a good will delete and there being difficult. I paid ahead in the months of XXXX, XXXX and payed off loan in XXXX of XXXX. I now currently have a new loan since XXXX of XXXX  and Im current with my loan. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have a recurrent monthly charge being placed on a Bank of America credit card from XXXX  for {$19.00}. This has occurred for 3 years. We have repeatedly call and filed a fraud alert with BOA and XXXX  has repeatedly said we have no account with them. So far BOA has not refunded these fraudulent charges and suggested we contact your site.
Consumer complaint received 2021-06-19
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: Experian Information Solutions Inc. (CA)

There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with Experian, XXXX, and XXXX  and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and traumatized me since I was a victim of domestic  violence as well as identity theft. 

The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX- account shows paid off XXXXXXXX XXXX XXXX XXXX XXXX  XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and XXXX
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This company is attempting to collect money I do not owe this is a falsified debt and also I tried to contact this company and they began to threaten to sue me and they were very disrespectful to me. I asked to see proof of contract between me and the original creditor to see what was going on they didnt send any information I also asked to see proof of the original lease agreement I never received that as well. This is a clear violation of the FCRA and FDCPA they are using untruthful and unfair tactics in order to scam me out of money. I want to see all of the necessary proof that I requested which is my right and failure to produce those documents within 30 days could very well result in a lawsuit in which I will seek compensation for the damage that this company is doing to my life and my credit report. I want the original signed contract by me also I want the original lease agreement signed by me also I want to see the payment history between me and the alleged landlord or company that rented the place as wel as a copy of my ID Card used to obtain this service or property and my SSN card. They have violated numerous of my rights once they threatened me and tried to lie as if I really owed them this amount of money when I do not this is not my debt at all I am also requesting copies of the original security deposit receipt and the proof reimbursement receipt as well
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (TN)

I looked at XXXX ads online in early XXXX to find the best rates to refinance my mortgage. I was contacted by several mortgage companies including XXXX XXXX from Sovereign Lending group who sent me a written guarantee they would beat any other quote or send me a check for {$1000.00} for rate quotes on the same day. I received a quote from XXXX on XX/XX/2020 which I will attach for 3.625 %. I also sent them a better quote also on the XXXX of XXXX for 3.375 % from XXXX XXXX and it went to XXXX XXXX another agent at Sovereign. XXXX didn't respond on the same day but sent a quote the next morning that was still higher than my quote from XXXX XXXX. I politely asked that since they were unable to beat the XXXX XXXX quote that they forward the promised check which they use as an advertising tool. They have refused to send a check and do not answer emails and calls regarding this. I sent two emails to their support site asking for a manager and explained what happened but they do not respond. I was continuing to get contacted by numerous agents asking to provide loan quotes from Sovereign. Each time I explained I was going with a different firm and that they didn't honor their promise. Finally one of them connected me to a manager XXXX XXXX at XXXX who I thought might finally take care of it. But after two conversations he has not returned my last 6 phone calls. I find this whole process to be deceitful, with false advertising and totally unprofessional from all those I have been in touch with asking them to honor their certificate of {$1000.00}. I was hoping they would have the best rate but they didn't .I just ask that they do the right thing. It's not hard.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Apple Card or Goldman Sachs continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because Apple Card or Goldman Sachs failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and Goldman Sachs or Apple Card didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted Apple Card or Goldman Sachs and they told me theres nothing they can do to fix the issue. I spoke with XXXX at Goldman Sachs or Apple Card on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.