davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting late payments to XXXX XXXX Experian for XX/XX/2021 and XX/XX/2021 meanwhile all the payments on time sending screen shot of credit report and bank statement. XXXX service agent i spoke to her XX/XX/2021 at XXXX and she couldn't help did not understand the problem.this company doesn't have service for automatic payments every month and they charge you for calling in and making payments.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-12
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: U.S. Collections West, Inc. (AZ)

Inquiry placed on my credit XX/XX/19. Called in and spoke with XXXX, she took my First, Last Name and last four of SSN before transferring me to XXXX, voicemail left, called again XXXX   informed me she was just a switch board operator when I asked her what the company did or sold trying to figure out why my credit was ran. XXXX then transferred me to XXXX, no answer, and no current answers as to why my credit was ran and what the company is.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (AZ)

This is the Complaint I filed again in XX/XX/2024. 
NO statements were mailed to me bc I can not access my statements on line bc of Ally 's system. You closed my Complaint BEFORE I received a statement on a closed account and I still have not received a statement on my IRA account which has over {$500000.00} in it. What is wrong with this government agency?????? Do you do anything t5o protect consumers????? Hit ally with a XXXX XXXX dollar fine and then maybe they will respond. Ally is laughing at you. 
In addition I want my IRA account transferred to XXXXXXXX XXXX. which have provided written authority to Ally on THEIR forms over year ago!!!!! Is your agency just paper shufflers????? 

Here is my last Complaint text : I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXX XXXX and XXXX who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO XXXX. Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. Based on your past no action I don't expect you will fine Ally Bank or resolve this but I ant a Complaint on record.
Consumer complaint received 2019-09-24
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: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called Transunion and XXXX, to let them know of unauthorized inquiries on my credit reports and asked them to remove these credit inquiries from my credit profile and they refused, so I sent letters asking them to look into this matter and to remove the inquiries but to date there have been no responses from the bureaus. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. These unauthorized inquiries are negatively affecting my credit standing and ability to obtain a mortgage.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (NC)

I had been looking for a new bank and wanted to give SunTrust a try. 

XX/XX/XXXX - I opened a Personal Checkings and a Business Checkings account online. 

XX/XX/XXXX - I went into a branch to deposit {$100.00} into each account. I was paranoid because I got an email from SunTrust saying my accounts would be closed if I did not deposit money within 5 Business days. I also signed my signature cards. 

XX/XX/XXXX - I got a missed call from the Fraud department of SunTrust and they left no message. I called back and the CSR says there's a note for me to go into a branch for additional verification. I go into a branch later that day and the teller tells me both my accounts are " closed due to rules and regulations. '' XX/XX/XXXX - I phoned SunTrust to try to get more information. They can not tell me anything about why my accounts were closed. They also stated it would be 10-15 business days to return my deposits after the account gets fully closed. They offered no indication of when the accounts would be fully closed. So who knows when I'll get my money back.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened an HSBC master card account and did a balance transfer online from another credit card to this card. As soon as the balance transfer was complete HSBC charged me a 4 % balance transfer fee that amounted to {$190.00} I had no idea I was goin to be charged. 
When I complained they said that the fee is disclosed! I can assure you if I knew there was 4 % fee I would never have done this transaction and I told them if the fee is disclosed it is definitely not in plain site it is definitely hidden and not in plain site at all! 
They said they would credit the fee back as one time courtesy that was on XX/XX/2019 it is now XX/XX/XXXX and the fee is still not credited back. I have called 5 times since and they keep telling me ... tomorrow then Tuesday then Friday then on Friday they say by the end of the business day and they will call me back or a supervisor will call me back and that never happens. I think HSBC is a very dishonest company and how they are handling this is absolutely outrageous! I want my fee back and then I am closing this account.
Consumer complaint received 2019-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Multiple individuals have been calling from different phone numbers on behalf of " Portfolio Recovery Associates ''. Because of that, I have not been able to block these unwanted calls. The callers claim to have a " personal business matter '' with me, and ask me for sensitive information that includes my name, social security number, and date of birth. The callers have also stated that they want to collect a debt, and that the calls are recorded. 

The " Portfolio Recovery Associates '' appears to be either owned or associated with PRA Group , Inc XXXX XXXX Virginia ). The callers are either employees of such organizations, or individuals representing such organizations. 

I have informed them that ( a ) I do not have any " personal business matter '' with them, ( b ) the debt that they are collecting is not mine, ( c ) I am not responsible for the debt their collecting, and ( d ) I am not the person that they claim to be seeking. 

In one of the calls, the " Portfolio Recovery Associates '' representative provided last 4 digits of the Social Security Number, and year of birth of the person that they seek. Those numbers are not mine, and I informed the representative that that person is not me. I also asked that their company stop calling me. 

I have on multiple calls asked the representatives to stop calling me, and that they remove my name and contact information from their company lists and records. I also told them that they were harassing me. 

The company keeps calling me, harassing me, attempting to collect personal information, and fraudulently attempt to collect money from me. 

I am requesting that the company and any of its associates and representatives, stop contacting me now. I am also requesting that they remove my personal and contact information from all of their systems and records. 

Thank you.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX of 2019 I contacted XXXX XXXX XXXX XXXX to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX XXXX today and they state that the accounts are closed and with XXXX balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Credit Adjusters, LLC (GA)

In 2019 my family was going through hardship as both my wife and I lost our jobs. When I was called to receive a cash loan, the interest payments were not explained to me. Especially the fact the interest was 500 %.
Consumer complaint received 2019-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (WA)

This company ( CBC ) repeatedly calls our business looking for people. We have told them that we are a school district and demanded they stop calling. Also reported them to the XXXX  last month. They are still continuing to call.
Consumer complaint received 2019-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Requested an account modification by reducing payments or increasing the number of payments in XXXX. I was denied supposedly because they couldn't reach me. But, I received the denial letter. I paid the car note then we experienced another hardship due to Hurricane Barry. I requested another modification on XX/XX/XXXX and the papers were emailed on the same day. I had until XX/XX/2019 to submit the information. On XXXX the XXXX the car was repossessed during the night like I was a fugitive on the run. Now that the car has been repossessed and sold, I'm being offered a repayment plan.
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (OK)

XXXX XXXX XXXX and XXXX sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.
Consumer complaint received 2022-12-15
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. (GA)

This is my 6TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about XX/XX/2019, my wife was involved in an elaborate scam that requested she purchase gift cards for the XXXX XXXX and Walmart to catch a " credit card '' scammer. The XXXX logo and website were a part of all the e-mails she received as well as an " XXXX '' representative when she called. The representative said that " if she purchased gift cards they would be able to track the person trying to " Steal Money '' from my wife and others. The XXXX Representative said the money would be refunded at the end of the day. 

My XXXX XXXX card company called me ( wife and I are on the same account ) and I denied the charges. My wife then called Capital One and XXXX XXXX XXXX ( 2 other credit cards ) immediately after I told her it had to be a scam. She then filed a police report with the XXXX, CT police department of which we have a copy. XXXX XXXX and XXXX XXXX XXXX have taken the charges off of our respective bills. 

Capital One is reapplying the charge of {$1500.00} this month to our bill. This is after two divisions of their company have investigated the charge. Their claim is that they have " no rights '' regarding the charge. Their claim is that she said she made the charge ( hoping to protect herself and others from a scam artist ) .. My understanding from them is that if she had said she didn't make the charge ( lied ) it would have been declared fraudulent and all would be resolved. 

After the company said they were reapplying the charge and that I could not speak with a company representative higher than who I was speaking with, I called the XXXX police department and the officer who created the report graciously called the credit card company and spoke with someone in the law enforcement division who was unhelpful. He wrote an addendum to his original report which my wife and I also have. I can supply all the different claim numbers and even the credentials of the last representative that I spoke with regarding the {$1500.00} charge. {$1500.00} is a lot of money and the claim can truly not be investigated as the XXXX XXXX store that the {$1500.00} gift card was supposed to be taken from did not exist ( it was the " scammer '' ). We can not afford to pay {$1500.00} that we did not receive anything for. 

The fraud/scam was reported immediately to both the credit card company and the police. I would like to resolve this without taking any legal action. Would CFPB be able to help resolve this issue with Capital One?
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (WI)

In XX/XX/2021 I checked my account and saw no payment due ( no photo available ). I was then dunned by telephone for the amount of {$83.00}. On XX/XX/2021 I again checked my account, which showed no payment due ( photo attached ). On XX/XX/XXXX I was again dunned by telephone for a past due amount of {$220.00}. 

In discussion with a supervisor named XXXX he stated that the online info is of no value, and that I need to go by the pdf file sent to me or available online. Any other info is meaningless.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

My insurance company raised my rates based on the CLUE report provided by Lexis Nexis. I requested a full report and received it in XX/XX/XXXX. I sent an online dispute, disputed 2 erroneous errors on my report : Consumer Number XXXX Reference Number XXXX 1. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had PA XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 
2. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had XXXX XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 

XXXX XXXX then sent a letter saying that they verified these claims were true, but did not provide any method of how they validated it. I sent another dispute on XX/XX/XXXX requested validation information, mainly, the contact information of XXXX  XXXX XXXX XXXX XXXX, and the method of verification. It was not provided, and to date, I have not received a response. This is a violation of my rights as a consumer, per the Fair Credit Reporting Act.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have reached out to Transunion to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the XXXX national emergency ends. I got XXXX in XXXX and was hospitalized from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.
Consumer complaint received 2019-07-11
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: EQUIFAX, INC. (FL)

XX/XX/2019, I mailed a letter to the United States Bankruptcy Court Middle District of Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... .. 
The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to Equifax Inc., XXXX  and XXXX. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy Court Middle District of Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from Equifax, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records Equifax obtained is from local, state and federal courts through a third party vendor, XXXX. I find Equifax explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.