davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Contacted Bank of America credit card division that I was having trouble making my payment. Asked to speak to supervisors on each call ( six calls in total ) and all advised that if payment was made by statement cycle date of XX/XX/19 that account would not be reported 30 days derogatory to credit bureaus. Payment made on XX/XX/19 at XXXX central time and email confirmation received. Payment made via automated system and it states that payment will be made with posting date of XX/XX/19 but could take a few business days to reflect in balance. Manger phone call on XX/XX/19 left notes that state my concern about credit reporting and she said if payment made by the following day it would be okay. Manager notes on XX/XX/19 state that no negative credit reporting will be made. All five managers I spoke to advised if payment made by cycle date there would no negative credit reporting. Also XXXX statement does not even show transaction date of payment for XX/XX/2019 but Bank of America online account activity shows transaction date of XX/XX/19. Please honor what all have told me and please remove the 30 day derogatory mark from my credit report. Thank you.
Consumer complaint received 2019-04-23
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

I went into XXXX XXXX to check out the school. They had me take a test and told me that i could start immediately because i did so well. Just in talking with them they had already run everything and had me enrolled in classes before i really had time to think about it. XXXX XXXX, told me that my student loans would mostly be taken care of with Grants and that I would have very low interest rates because it was a student loan. In the second year of attending I found out that most of my schooling was private loans and some gov loans and that the interest rates were form 7-12 %. I graduated being told that i would make XXXX and up in the XXXX field. Come to find out this was also not true. Also that XXXX would always help me with resumes and finding a job. Shortly after graduating the career counselor would not see me or answer my calls. They also told me that my credits would transfer and i found out later that not 1 credit would go to any other school. I never would have gone here if i knew all of this.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard (CA)

XXXX  XXXX XXXX Account No XXXXXXXX Nelson & Kennard File No XXXX-XXXX-XXXX Current Balance {$5400.00} I had XXXX  XXXX XXXX Credit Card and the debt collection company has sent the letter either payment plan or debt settlement. Instead of talking over the phone, I have sent out the letter requesting the statement copies and charges of fees or interests. 

While I was waiting for the response, I have received the letter from the law firm Nelson & Kennard XXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX-XXXX-XXXX Fax : XXXX-XXXX-XXXX requesting I have 30 days to pay the balance or legal lawsuit will be filed for a judgment. It is asking to send the letter to dispute or respond which I have sent. 

I still do not have records of how the charges came about or the collection company looking into payment plan or reduction of the balance amount. 

I need consumer finance to involve to see this case so I can get the clear picture of the debt and the interest and other charges before I commit to the payment and the settlement.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (SC)

I have filed numerous disputes, I have also been locked out of my XXXX and Expieran online accounts. I have not used credit in years as I was XXXX. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports immediately
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-07-19
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. (FL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  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.
Consumer complaint received 2023-08-18
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. (FL)

This account was dispute due to inaccurate information provided by a representative and a failure to apply a forbearance in XX/XX/2023. It was forward to their consumer advocate depart and determined it was an error on XXXX. The error was corrected on my credit report and I was sent a letter advising the investigation and reporting correction. It was updated as of XX/XX/2023 and reported 90 days past due again on XX/XX/2023.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (FL)

XXXX has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

XXXX don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need XXXX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been disputing a collection on my credit report for XXXX XXXX. They denied them. I just looked closer today and noticed the dates of the day accounts were opened are inconsistent and other errors. From my understanding the information has to be correct across all XXXX reports. The information is not correct. The dates were in XXXX when I learned I had identity theft. And then the XXXX week of XXXX of XXXX. I filed the dispute and they came back and said it was me. Due to the inconsistency shouldn't it be removed?
Consumer complaint received 2023-10-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Parties involved : Capital One Auto XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX allegedly sold Repurchase Agreement to : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX and who used XXXX XXXX XXXXXXXX XXXX XXXX to seizure our family automobile on XX/XX/. 

On XXXX XXXX  our family automobile was seized by XXXX XXXX XXXX XXXX with no Notice from Capital One, No lawful or for Repossession and No security lien filed in the Commonwealth of Pennsylvania by Capital One. 

Capital has not sent any certified mail to the consumers nor have sent any notfication that a Repurchase Agreement with XXXX XXXX XXXX XXXX. To date Consumers have been without there private automobile and have no known whereabouts of its locations because all parties mentioned above have concealed the property and have acquiesced to my certified mail sent to there executives.
Consumer complaint received 2018-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2019-02-06
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: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I applied for a HSBC credit card which was received in XX/XX/XXXX and was activated. I had conversation with a person at my bank and was told that HSBC customers had problems with customer service and to check the online reviews of the credit card. I checked and found out the reviews were not good. Therefore, I disposed of the card prior to making any charges. I received a bill showing that 8 purchases had been made on the card from XX/XX/XXXX to XX/XX/XXXX in the amount of {$110.00}. I attempted to phone HSBC numerous times and was placed on hold for long periods of time before I had to hang up. Finally, I spoke to a HSBC representative and was told the card had been suspended and could not be used. Based on this information, I felt I had satisfied my obligation in telling HSBC I did not make the charges and did not have the card. On XX/XX/XXXX, I received a bill for {$350.00} ( {$110.00} worth of charges and {$230.00} in fees ). The same day I called HSBC and waited on the phone 1 hour and 15 minutes. I never did speak to a representative. On XX/XX/XXXX, I wrote a letter to HSBC stating that I never used the card. I called again on XX/XX/XXXX and XXXX, XXXX. On XX/XX/XXXX, I spoke to XXXX at HSBC who told me the card had been stopped and to file a police report. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX saying this issue had been assigned to them for collection. The amount was now {$390.00}. On XX/XX/XXXX, XXXX XXXX sent me a number of statements showing the bill of {$390.00}. In discussions with XXXX XXXX XXXX XXXX I was told that if I pay {$300.00} it would serve a full payment of the charges. I responded by saying that since I did not make the charges, had spoken to HSBC and explained the situation, it would not be logical to make payment. I have written two letters to HSBC and one to XXXX XXXX. It is very difficult to speak with anyone at HSBC and this matter has become totally frustrating. Our credit rating is outstanding and we have never experienced a situation like this. I have gone to the local police department on two occasions, most recently XX/XX/XXXX, and was told they do not handle such a matter and was advised to contact HSBC Fraud Prevention. I have done this. Could you please help us? Thank You-XXXX and XXXX XXXX
Consumer complaint received 2023-01-27
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. (RI)

In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX a notice from XXXX XXXX XXXX that my account was being closed due to delinquent payments. I contacted XXXX XXXX and notified them that I never had a XXXX XXXX account and filed a fraud claim. This situation is currently being investigated by XXXX XXXX. On XX/XX/XXXX I received a notice from XXXX XXXX  that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by XXXX XXXX. 
As a result of these fraudulent activities I opened an account with Experian to check my credit history and current status and found that both the XXXX XXXX account and the XXXX XXXX  were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. Experian is currently investigating the fraud claims with XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-01-27
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: HYUNDAI CAPITAL AMERICA (MD)

On XX/XX/25 I went to a Kia dealership in XXXX. I leases a car and my credit was ran on the same day and approved. I got a notification that I had 2 hard inquiries ( which is the normal process ) one from the dealer and one from the finance company. Two days later, I get another notification that my credit was ran again which lower my perfect credit score. This practice should be illegal and the dealership should be the one getting this removed.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Placed two deposits into my Capital One online banking account on XX/XX/XXXX. Shortly after the deposits Capital One locked up my account and I did not have access to it since then. I have called them five times and gave them an explanation for the deposits what they have done nothing, including not even return my calls. My Capital One account is : # XXXX. This is poor customer service.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Roughly two weeks ago I attempted to settle the debt between me and midland funding. They would not send me a written agreement or agree to remove the debt from my credit report after payment was recieved.
Consumer complaint received 2023-01-27
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: ALLY FINANCIAL INC. (NJ)

I financed an automobile through Ally Financial on XX/XX/2022. To date, the dealership has not been able to register the car under my name in the State of New Jersey since they do not seem to have the title. I have attempted repeatedly to contact the dealer, file a complaint with the NJ XXXX XXXX XXXX, & XXXX I have also filed a legal complaint and hired an attorney. 

As far as Ally is concerned, I have also repeatedly called them and requested that they intervene given I am a customer of theirs who has not been treated fairly and they are technically supposed to have the title of the vehicle given its financed and represents collateral against the loan. They have given me conflicting information, their agents arent trained and knowledgeable at all on how to handle these types of situations. They have asked me to email to XXXX, which I have done to no avail. They keep telling me that their titles department has been attempting to contact the dealership and when I requested to find out what their escalation procedures are for cases like mine, agents are cluelessThey also clearly do not understand third party risk as in taking unwarranted risk of doing business with another party that doesnt treat its customers fairly and equitably. I have requested that they consider taking legal action or escalate the case on their end but they arent willing to or essentially able to given they keep receiving the monthly payment from me on the loan and absolutely indicate XXXX regard for what their customer is going through.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I filed a complaint and the number is XXXX After providing my feedback yesterday XX/XX/ I got home and there was a statement in the mail from Bank of America with and account number and a negative balance of $ XXXX. They were supposed to close the account altogether and that has not happened. Even after they sent me a letter stating they could not verify my identity so they were closing the account, it still remains open.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (TN)

I disputed these accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report because every single account has inaccuracies. I disputed them YESTERDAY and TODAY the come back updated and verified???!! NO INVESTIGATION HAS BEEN DONE. Delete these accounts from my profile!
Consumer complaint received 2020-12-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

Due to the corona virus my job allowed us to go into our retirement money and take out whatever amount we need to survive. Due to the fact That I was already having mortgage issues I requested a 15 payout amount of my mortgage and I sent that amount on ( over {$30000.00} ). While waiting on my title to my house I received another letter from the mortgage company telling me that my money has been placed in other areas ( escrow, insurance, etc ) and that was not the intent. From the date that they received my money if I owed them anything else they should have said so. PHH MortgageXXXX  XXXX XXXX XXXX, NJ XXXX. Loan Number XXXX
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

In the month of XX/XX/2018, I sent a {$47.00} money order to XXXX XXXX to pay off the debt in full for a collection account I owed. According to XXXX XXXX Policy on their own web site, it states once a bill is paid in full, Midland will then remove the collection from the credit report. I sent the money order certified mail with return receipt. I was recently shocked that on my XXXX credit report they increased my balanced owed to XXXX dollars on my experian credit report. On my XXXX  report, the balance is now showing XXXX dollars. For the past year, my account balance has been XXXX dollars. Now all of a sudden, when i choose to pay the debt off in full, XXXXXXXX XXXX   changes the amount I owe. They are committing fraud by changing my balance constantly so I will keep paying..They purposely created their own accounting records and make up fictitious balances so that I would have to keep paying in a never ending cycle.I would like Midland to be fined for creating false accounting documents for my account and I would like it removed from all my credit bureau reports immediately . I  would like XXXX XXXX  to show the original instrument that shows I owe the debt, I want full accounting records showing my methods of payment for this account, and I would like Midland to provide documents that show they own the debt from the original creditor.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (FL)

In XXXX of XXXX I purchased XXXX XXXX  XXXX and used my chime card to pay for it. As of this date of XXXX XX/XX/XXXX I still had not received my couch so I fought with XXXX to finally agree to get my money back however they kept saying they were unable to send me my money back though chime. I then contacted chime and went though the customer service which when talking to them agreed that I should get my money back and started a dispute for me. I provided proof of the merchant stating that the best course of action would be to get chime to reverse the transaction to get my money back. However, Chime and their dispute department failed to actually do anything and they simply denied my claim. I have proof of the cancellation from the merchant and confirmation that I should get a refund back. I sent all the screenshots yet again to chime and got denied again..Chime seems like isn't investigating anything or reading any of the provided evidence when claims like this are occurring which is unlawful. I have all the proof of XXXX stating my refund should be provided to me back from Chime. Please investigate Chime and their bad practices with consumers like myself, also hoping I can rectify the situation and get my money back. Thanks!
Consumer complaint received 2022-12-14
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)

I submitted a letter to the XXXX Credit Bureaus to correct or discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-27
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX