davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fuel Capital Group (TN)

Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. I kindly request this item to be removed completely, never to be added back again.

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.

I want this account completely removed from my account and never to be added back again. The information reported to my account is all over the place, and appears to be fraudulent. I do not owe this company money. I have never heard of this company. Their record-keeping is inaccurate and is causing me great misfortune in my life because of it. Being able to use my credit for personal reasons is being inhibited and I can no longer wait for something to be done about this. I am open to contacting an attorney if necessary.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (GA)

Receive debt collection letters stating they are collection XXXX XXXX XXXX XXXX XXXX XXXX violations, when I log into my XXXX account it shows I have NO toll violations on record and did not have any in the past. ( clean account ) So there are official letters from " state road and toll '' I have tossed out in the past knowing they were scams and then now they are eleveting it to more official debt collection companies that claimed I didn't pay. I have written to the company and mailed back their paper bill and said I know it is a scam and that I do not owe any tolls, but the letters come from various companies. ( sold the debt to collectors ). I will scan and attach the latest one. I often wonder how many people think their teen drivers or spouse violated the toll violations and paid these people without thinking! I have decided to report this so others will stop and think and not fall for this. Numerous complaints online. People are being frauded thinking they have a debt owed which is false. See XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Hello, I need a corrected 1099-INT form for XXXX from Citibank. The following is what happened ; On XX/XX/XXXX I went into my local Citibank branch ( XXXX ) and I cashed an XXXX {$5000.00} Savings bond # XXXX that was issued XX/XX/XXXX. That Bond should have paid {$9800.00} with {$4800.00} in interest. The teller credited my account {$18000.00} with {$13000.00} in interest. I told the teller " that's a mistake '' but she told that's what the system says it's worth. A week later I got a call from Citibank saying a mistake was made and that they overpaid me {$8800.00} in interest and they would be withdrawing that amount from my account which they did on XX/XX/XXXX " but not to worry they would be sending me a correct 1099-INT for XXXX ''. Citibank did not send me the correct 1099-INT they sent me a form showing that I was paid the extra {$8800.00} which they deducted and I would have to report as income on my taxes. I immediately called the Citibank number on the 1099 Form XXXX and after explaining the situation to multiple representatives I was told by a supervisor that it was Treasury Direct 's mistake and I need to call them to correct it. I said that doesn't seem right but I called Treasury Direct and was told by a TD Supervisor it's Citibank 's responsability to send me a corrected 1099-INT. I called Citibank back and got the same line that it's Treasury Direct 's responsibility. I then went into my local branch on XX/XX/XXXX and spoke to the manager XXXX XXXX with all my paperwork which she copied and opened a Citbank investigation numbered XXXX and told me to wait 5-10 days. I called her after 10 days and was told they hadn't looked at my case yet. I told her I was having my taxes done XX/XX/XXXX before I leave the country and she said she would request they expedite it. I called back after another 5 days and they still hadn't looked at it so XXXX suggested I file an internal Citibank complaint which I did. 5 days later, no one will look at my case. I uploaded my incorrect 1099-INT to my accountant with an explanation yesterday and I called Citibank again XXXX They told me to once again to call Treasury Direct who told me Citibank is WRONG and to file a complaint with the CFPB. I've attached my documentation and I'm so thankful to have your agency to reach out to. Sincerely, XXXX XXXX
Consumer complaint received 2019-10-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (TX)

The following items were all placed on my credit report at the same time. Phoenix Financial Services called and threatened to ruin by credit by placing the same item in collection multiple times. There should be only one ( 1 ) item, not four as submitted by Phoenix Financial Services. There is also an error in the Opened date. This one medical debt is several years old. I did not go to the doctor XX/XX/2019. I do not think Collection Agencies should be able to deliberately place multiple items on your credit in an effort to threaten me into paying. Can you please help me. My credit score dropped 24 points due to the four ( 4 ) Collection items added erroneously by Phoenix Financial Services. 

XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK (TX)

this mortgage was foreclosed on XX/XX/2019 however Gateway mortgage group repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (MN)

I XXXX XXXX XXXX  XXXX Harassment or abuse-Per this statute I am reporting this company for unfair practices. I was called on XX/XX/20 at XXXX CT about a XXXX XXXX XXXX account. I told the collector that I can pay on XXXX as I had a wedding end of this month. He told me I needed to pay at least {$50.00} to hold the payment arrangement. If I did not pay this would go against my credit. I explained its already on my credit. He said collection efforts would continue so I told him to cease and desist all calls ( I am a XXXX XXXX for a debt purchasing company so well aware of all of this ) and that I would call back when I'm paid to resolve this account. He said again, collection efforts will continue, in which I told him I ceased ALL COMMUNICATION. He can not continue efforts. He then threatened me again with credit bureau reporting. I ended the call and called back requested a manager. I spoke to a nice lady who validated the collector should not have harassed me how he did and she would review the call. She also told me she could take my bank information to set up the arrangement. I did not set up arrangement due to the FDCPA violation. The collector could have easily resolved this account but decided to be combative with me, the consumer. I was willing to pay.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I have had many of my checks over the last several years that have been frozen and not made available for periods of up to 6 days the only reason I believe it was not longer is because of my persistent calls and complaints to their customer service representatives and asking to have my complaints escalated to a higher authority in their system. I have had at least 15 times that my money was not made available to me or would they allow me to cash the check when it is a Wells Fargo check. I have incurred many losses as a result of this issue.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (TX)

XX/XX/ : I paid off my vehicle loan on the VW credit website. 
XXXX : I called VW credit for a status update. They sent me a letter and email showing that my vehicle was paid off. They said it would be a few more days until lien was released. 
XX/XX/ : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay. 
XX/XX/2023 : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay. 
XX/XX/2023 : I call VW credit for update. They said they sent lien release to DMV on XX/XX/2023. 
XX/XX/2023 : I called DMV to check status of title. DMV states that lien has not been released by VW credit. 
XX/XX/2023 : I called VW credit and asked to speak with supervisor. He told me that theyre having delays with their new vendor. He confirmed that while we were on the phone, he pressed the request button to release the lien and that it will take yet another 10-15 business days for lien release . I requested information on the vendor they use for lien releases so that I could speak with the vendors customer service, but the supervisor would not give me that information. 
I feel taken advantage of by VW credit. They are holding my car lien hostage at this point while I have never missed a payment and have paid of the car in full seven weeks ago.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTS FROM EQUIFAX.
Consumer complaint received 2023-02-23
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-03-01
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: Sensible Auto Lending, LLC (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OR)

PAYPAL " XXXX XXXX XXXX  '' offer. Purchase : XXXX. Item : XXXXXXXX XXXX XXXX. Total Amount charged : {$110.00}. 
Item was purchased on XXXX through Paypal which is authorized to charge a XXXX credit card. 
The item was not received. 
The USPS has verified nonreceipt in writing. 
Paypal continues to harass me for payment and demand USPS proof of nondelivery while making it impossible for me to provide such proof. 
Paypal 's method of online providing of proof will not work on my computer. 
Paypal refuses to provide a postal mailing address so I can provide proof. 
Paypal refuses to refund amounts wrongfully charged to me because it does not have the proof it has made impossible to provide.
Consumer complaint received 2023-03-08
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: I.C. System, Inc. (SC)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (LA)

Today, XX/XX/2023, I logged in to THE HOME DEPOT services account to make a payment on my bill. I authorized a payment of {$250.00} on their website. At approx. XXXX XXXX  today ( Central Time ), I was checking my emails and found a message from Home Depot at XXXX XXXX  which indicated {$6100.00} had been submitted for withdrawal from my account by EFT. I did not authorize that amount. I have a XXXX XXXX and can not constantly check my email and was quite surprised this had occurred. When I found out, my bank had closed in-office banking hours and unable to stop the payment. I called Home Depot services # on the back of my credit card and the lady tried to help but because it was after their business hours in New York and I was out of luck. The withdrawal is scheduled for tomorrow XXXX  and these transactions usually show up in my account around XXXX XXXX  ( CT ) -- before my bank XXXX XXXX Bank ( routing # XXXX ) opens.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally requesting the removal of this inaccurate late payment from my account. My track record shows a consistent history of on-time payments, and it is unjust for me to face penalties for an error beyond my control. I kindly ask for an expedited update to my account to reflect the accurate information.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Bought bed and adjustable platform ( frame ) the bed started to sag right away called Sleep number and they came out and replaced it, that one started to sag right away and the platform was not working properly called and told them this deal was not going to work for nothing was good or working right. They came out took bed but never took platform, platform started to smoke two days later, I unplugged it and put it in garage. 
When platform was first acting up I called sleep number and told them about bed and platform, they tried to tell me there was no warranty on platform, I said there has to be some kind for it is electric and has motors in it Instead of taking care of the problem they turned my bill over to collections and ruined my credit score
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I made a payment of {$72.00} to my Kohl 's card and at that time I set up {$50.00} reoccurring payments as I have on all my credit cards. At the time I set up the recurring payments I only had a {$69.00} balance. On XX/XX/XXXX I was hospitalized with XXXX and stayed in the hospital 5 days. During my time at the hospital my Kohl 's payment came due. However, Kohl 's never deducted the funds from my bank account. 
I stayed off work sick for approximately a month, on XX/XX/XXXX I received a bill from Kohl 's for {$140.00} and when I looked at my statements, I realized the auto pay never processed. I immediately called Kohl 's and paid the balance in full. However, the payment was over 30 days delinquent because Kohl 's system did not automatically deduct my payments as requested. 
Kohl 's then reported my delinquency to the credit bureau. Upon further review of my statements I realized that Kohl 's not only reported my delinquency they charged me {$73.00} in fees which was more than my balance, due to their system not honoring my request for auto payment. 
I called Kohl 's and spoke with one of their agents and requested they remove the 30 day delinquency from my credit bureau and they declined to due so. 
I would like for Kohl 's to remove the derogatory credit delinquency from all three of my credit bureau 's. I'm willing to take the monetary loss.
Consumer complaint received 2023-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (IL)

Mariner Finance purposely blocked my ability to make payments online with guaranteed funds which caused default and sending my account to collections. This account should not be in collections office because Mariner forced this situation due to unfair practices and it appears that the company is purposely attempting to injure my credit. Over the course of the last 45 days, I tried several times to pay online with my debit card. The online system blocked that ability even though I had tried to pay the total amount due. I was out of town working remote from XX/XX/XXXX XX/XX/XXXX. During the time that I was working remote, I was unable to call in to make a payment over the phone as requested during business hours because I was unavailable via phone because of work obligations. I wouldve made payments with a debit card online using my account log in if I was allowed by the online system. I have made payments online in the past and should still be allowed to with guaranteed funds. 

I was not available during Mariners business hours therefore I could not talk to them to process a payment over the phone. However, I would have made several payments online had I been allowed to do so with my DEBIT card. I was attempting to make the online payment so that Mariner would be able to credit my account immediately. 

My work hours and unavailability did not make it convenient for me to have a phone conversation. I tried a few times to call the office during my lunch breaks but the calls went to voicemail. Since I wasnt in town, I was not able to drop off a money order payment to the office location near me. I tried to call on my lunch break when available, but, I was not able to get connected because Mariners phone system went to voicemail. I have attached toll transactions proving that I was out of state on the dates indicated above. 

It is my concern that Mariner is unfairly attempting to garnish my wages when they blocked me from paying with guaranteed funds via the online system. I am very concerned about the practices of Mariner finance. They have sent me a judgement letter to sign and I do not believe this is fair to me as the consumer given the practices of Mariner finance detailed above. 

In summary, It appears that Mariner Finance purposely blocked my ability to pay with guaranteed funds via their website to force a potential wage garnishment and judgement. I have concerns that my rights as a consumer have been compromised and/ or violated.
Consumer complaint received 2023-02-20
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. (MN)

The following credit accounts and collection account currently listed and showing on my Experian and XXXX credit report is showing an incorrect balance on the account : XXXX XXXX XXXX XXXX {$760.00}, XXXX XXXX XXXX XXXX  XXXX, {$130.00}, and XXXX XXXX XXXX XXXX  XXXX, {$370.00}. XXXX XXXX XXXX XXXXXXXX, {$360.00}. The accounts are all paid in full. The following credit inquiries listed on my Experian and XXXX credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF HAWAII CORPORATION (CA)

I had a bank account at Bank Of Hawaii. On XX/XX/ someone fradualently wired our of my account {$5.00}. As soon as I found out I contacted the bank. They will not talk to me and will not give me any information what happened on my account. I need help.