davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I opened CC in XX/XX/2021. I made my first payment XX/XX/2021 for {$340.00} and paid balance in full. Not yet receiving a bill, I hadnt considered actual billing cycle dates and assumed this took care of XXXX payment. I was admitted to hospital with COVID the last week of XX/XX/2021 and was not released until early XX/XX/2021. I called Capital One and made a {$400.00} payment on XX/XX/2021 and explained the situation. I requested to not have the XXXX and XXXX Past Dues reported to bureaus due to hospitalization and was told to write a request and send to main address. I never received a response but I immediately was notified the past dues got reported like the next day. I called and spoke with customer service and the next few days status was updated to current and the 90 day was removed. I submitted a dispute to get at least the 60 day removed and within a few days, they removed my Current status and the 90 day was returned and it was not showing my {$400.00} payment. I tried to dispute again, no change. Then they started reporting changes in balance almost on a daily basis. Yet my payment still wasnt showing. I called cust serv and said it is very clear they are doing everything possible to ruin my credit and I am going to file a complaint. She tried to give me an excuse of XXXX and XXXX overlapping and my payment getting missed. I said " but you have reported EVERY change to my balance to increase my usage %. These purchases were AFTER my payment, yet my payment still isnt showing and they actually changed my status from 60 Days ( before payment ) to Current ( after payment ) then back to 90 Days past Due after I submitted dispute. How is this legal? They dont report your payments for up to a month after made, but will report your purchases on a daily basis increasing your CC usage and causing a score decrease every single time?
Consumer complaint received 2021-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

Please refer the attachment of my accounts with Citibank. I opened both a checking and savings account at the Citibank branch located at XXXX XXXX XXXX XXXX, XXXX back on XX/XX/2020. Bank manager XXXX XXXX confirmed that I would, as promoted, would earn {$300.00} for {$16000.00} ( my tuition money ) that I deposited in total on XX/XX/2020 after 3 months. In late XXXX when I went to the bank to ask wny {$300.00} was not deposited into my account, I was told it would mature at the end of XX/XX/2020. 

Again early late XXXX, I visited the branch to enquire why the money was not deposited, I was told by Mr. XXXX XXXX that he would request an investigation to see why {$300.00} deposit was not made and I would be notified in a week 's time. He advised that I should not close the accounts completely because I should have an open account for the deposit to take place. So I opened a basic checking account and savings accounts with deposits of {$1500.00} in Checking and {$500.00} in Savings Account. 

After 6 months since XX/XX/2020, when I opened the accounts, I requested my dad to call the bank why {$300.00} dollars was not deposited, he was told that the investigation, though requested by Mr. XXXX, did not take place. So I talked with the Manager Mr. XXXX, who would not, or could not, explain why the deposit was not made. Finally, this morning they said that an investigation would take place and, though they would not give me anything in writing, but Case Id Number : XXXX. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-18
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. (CA)

I demand they remove these inquiries of my credit report. I did not authorise these on my credit. XXXX and Transunion refuse to remove them from my credit report.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (TN)

Several months ago, I was going to go to a job interview to see that my XXXX  XXXX was wrongfully repossessed. I had called Volkswagen to have 2 payments differed due to the COVID-19 pandemic. I called Volkswagen because I knew something didnt make sense. They listened to old phone call records to hear where the representative at Volkswagen agreed to the differed payments but never notating the account. They returned my vehicle 2 days later. 
In XXXX of XXXX, I traded that vehicle in for a XXXX XXXX where the dealership paid the remaining balance on the loan. I called that dealership on XX/XX/XXXX to confirm and they did pay the loan and the vehicle is now registered to someone else. 
On XX/XX/XXXX I tried purchasing another vehicle to learn that there is a repossession on my credit report from Volkswagen when there shouldnt be.
Consumer complaint received 2024-02-27
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MS)

I have an item on my credit report from Credit Management LP claiming the original debt was with XXXX. I paid this debt in full over 4 years ago and returned all the equipment. Credit Management LP also claims this debt started on XX/XX/XXXX of XXXX I have not had a XXXX Account in over 4 years.
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (FL)

I make payments to M & T bank on this loan through XXXX XXXX 's bill paying program. I use this program to pay almost all my bills and never have an issue except with M & T bank. M & T bank does not credit my account with payments made and then duns me late fees as well as reporting missed payments to credit agencies. This is the second time this has happened which indicates someone is not doing their job. When I contact the lender about the unposted payments, I am told that if I use their bill paying program or website payment process, I wouldn't have these issues. I will refinance this loan with another lender but feel this predatory lending practice should be addressed by the appropriate agency so others are not ripped off by this lender. Churning an account to make fees is highly unethical and illegal. I can submit copies of the attempts XXXX XXXX  billing program made to make these payments if that can be of help.
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

I have an auto loan with Wells Fargo. Because of Covid I lost my job and I was unable to pay the monthly payment. I requested grace period of time to make my payments. They gave me 3 months like other financial institutions did. But for my surprise they charged me interest for the whole time. Instead of putting those payments to that end of my loan like the other banks did because of that pandemic. 
The original loan amount was {$27000.00} I owe now {$27000.00}. After I made 6 payments of {$600.00} They charged me {$3500.00} for interest. When that was supposed to be a relief time to pay. That should me illegal. Specially during a Pandemic, they are taking advantage of hardships the clients are suffering due COVID.
Consumer complaint received 2021-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Mr. Cooper Group Inc. (NE)

Roughly XX/XX/XXXX I opened an account for use by my daughter with Greenlight financial. They were supposed to send me a debit card within 7-10 days. I waited about 20 days thinking it was delayed, and no debit card was delivered. 

We were able to use the card digitally in the app because at least they gave the card information in the app. 

On roughly XX/XX/XXXX I still hadnt received the card. So I called Greenlight financial and reverified my address and they supposedly sent a new one. This too was never received. 

On XX/XX/XXXX, I again verified my address through their chat system and they again supposedly sent me a new one. I still have not received it. I requested that they send it through another means with tracking but they never confirmed that they did or did not. I assume they sent it through the same broken process they have been using. 

Today I at least tried to use the account with my daughter to purchase something using the card details in the app. The card details are no longer available in the app so I cant even do that. 

They are charging me {$10.00} per month for the account, but there is no way at all for me to access the funds in any way. 

This to me is an unfair and deceptive practice.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following account : XXXX : XXXX
Consumer complaint received 2024-02-27
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)

This communication serves as a formal follow-up complaint regarding my status as a victim of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, Credit Reporting Agencies are mandated to expunge any entries identified in an identity theft report. In my situation, this pertains to a Federal Trade Commission ( FTC ) Report bearing the number # XXXX. I urge you to consult the documents provided to facilitate the elimination of incorrect and fraudulently established accounts from my credit reports. Below is a delineation of accounts and information opened or recorded without my authorization : EXPERIAN : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies must delete any information identified by the consumer as resulting from alleged fraudulent activity within four business days following receipt of such notice.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/XXXX, I was notified by Comenity Bank, they had closed my XXXX Credit Card with a claim of inactivity. They never sent a warning ahead of time, nor any indication of this occurring. I last used the card XX/XX/XXXX, and paid off my balance in full by XX/XX/XXXX. I questioned the company on the why, they claimed inactivity as the reason, then I was told it was information obtained from the credit bureaus was the reason for closure. They informed me in a reply that I could obtain the information for this in order to understand their reason, from the credit bureaus, I did contact and the credit bureau 's said that Comenity had not inquired about my credit as they claimed. Comenity then responded and in the correspondence, they also changed the date of the closure to XX/XX/XXXX, which is not the same date on their initial letter sent to me, they also did not clarify the reason for closing my card other than inactivity, when I questioned due to the fact I had used it less than 12 months ago.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I've contacted the original creditor ( XXXX XXXX ) and all 3 credit bureaus XXXX, XXXX, and Experian about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. 
I've been ignored and is in violation of my consumer rights according to the FCRA. 
This account needs to be removed immediately ( Account number XXXX ) creditor is XXXX XXXX. 
All XXXX credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. 
I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.
Consumer complaint received 2022-09-17
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. (MD)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : $ XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00}
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 information incorrect
Company: Experian Information Solutions Inc. (NJ)

My credit report is showing a 30-day late payment in XX/XX/2018 I have disputed this with all 3 credit bureaus but XXXX keeps verifying that is correct. 

Please remove this late payment entry as it is inaccurate for the following reasons : 1. XXXX does not provide an auto-payment scheduling mechanism. It is very easy for a customer to miss the payment date as all payments need to be manually scheduled. 
2. There were a number of fraudulent charges on my account in the months preceding and after investigations credits had been issues to my account. These would have made up for the minimum payment for XX/XX/2018. 
3. XXXX is charging interest from the date a purchase is made. This is incorrect. You should be charging interest from the Due date shown on the previous statement as all other credit cards do. 

I have attempted to address this with XXXX but they refuse to help.
Consumer complaint received 2021-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for Credit Collection Services. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Credit Collection Services Reported. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXXDOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-01-05
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. (FL)

I have a lot of days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

XXXX Consumer Relations  XXXX Equifax Information Services XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Wilber and Associates, P.C. (IL)

on or around XXXX XXXX XXXX I received information from Wilbur & associates of impending action taken by them on behalf of XXXX XXXX insurance. I was informed I owed an outstanding debt in access of {$30000.00} for an accident from XXXX XXXX XXXX. After speaking with a customer service representive from wilbur & assoc. I felt I had no other alternative but to try and resolve this matter even though I am receiving a fixed income by way of XXXX. A total of {$780.00} was collected from this ordeal to date. I contacted the said company a couple of month 's later to inform them I could not afford to keep up with the payments of {$500.00} per month. I did not hear back from them until and after several attempts to remedy this situation. I finally spoke to a representative only to inform me the agreed amount and my subsequent money was suspended/deleted temporarily to which I asked about and possibly returning it to me. In addition I informed the associate that their company should reach out to the company for such an enormous amount since it was in fact an insured company vehicle. I was told that I should retrieve it from the employer at the time in which " I responded I did not give it to them '' your company should refund the collected amount. I have not heard back nor received any contact since.