davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I haven't spoken with the company about this matter, I only remember them from an issue over a medical bill I didn't owe before. They call every day at different times. They keep my caller ID filled with calls but never leave any information. They don't leave a message and they haven't sent me any information in the mail about their reason for trying to reach me.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NY)

Being billed from XXXX for services that they will not disclose or give any explanation to. Itemized bill just states money owed for deferment plan in the amount of {$480.00} when no deferment arrangement was ever made with the company. CBE group is the collection agency that is handling the debt collection and they have provided a billing statement but that statement has given no explanation of why any money is owed.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC. (MD)

I had fell behind on payments due to many uncontrollable factors. I got in touch with ally and set up a payment plan. I paid the initial {$150.00} requested and assured them of payment and gave an outlined forecast of plans that had been set in motion. Ally financial broke the payment agreement and repossessed the vehicle out of state of residence mainly because I had given up to date information while setting up the payment plan. The vehicle was repossessed on XXXX XXXX while I was at work, ally completely dishonored the payment arrangements and in turn I was hit with a total of XXXX to regain possession even though they were aware of my financial situation. Ally financial also dishonored the 90day period which I was granted to retrieve the vehicle and sold the vehicle in XX/XX/year> after adding another surcharge and blocking my account access in the attempt to hide the dishonesty. On XXXX XXXX I was told I was not going to receive funds from the sale of my vehicle because the amount it was sold for was insufficient and I still owed ally financial money. The vehicle is valued at {$12000.00} according to a XXXX offer which I had gotten due to miscommunication from ally financial regarding the status of my payment plan with ally financial. I owed XXXX in total to ally financial out of XXXX. I also realized this is a common practice this company under takes occasionally. Whenever I called their establishment I was given instructions as to what to do but yet they have no record, and all my account information such as addresses and phone numbers were out of date even though I got correspondence at the current mailing address and phone number I now use. What should I do? I feel as if they have committed a fraudulent act by misleading me which led to the said party repossessing the vehicle.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

SINCE XX/XX/2019 I HAVE CONTINUOUSLY REQUEST XXXX   DELETE IT ERRONEOUS REPORTING OF A CHARGE OFF DEBT SAID OWED TO CITIBANK. I HAVE FILLED OUT THE ONLINE DISPUTE FORMS AND SENT CERTIFIED MAILS BUT TO NO AVAIL. I HAVE VISIT CITIBANK ON NUMEROUS OCCASIONS AND CALLED CORPORATE OFFICE ON NUMEROUS OCCASIONS. TO BE TOLD THAT CITIBANK HAS NO SUCH INFORMATION OF A CHARGE OFF A DEBT OR ANY PROBLEMS WHATSOEVER.
Consumer complaint received 2018-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (IL)

On XX/XX/2018, I sent a letter to XXXX XXXX in regards to an account that is reporting for {$3600.00}. I requested proof that the debt was indeed mine and that they had the legal right to collect from me. I haven't received any proof of contract that this account is mine, but it is still reporting negatively, which is affecting my credit.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I XXXX XXXX a consumer has asked the XXXX major credit reporting agencies to update the correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates XX/XX/2023, XX/XX/2023, XXXX, Equifax and XXXX have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX. 
I am begging that you XXXX the following accounts XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. So, I am requesting that all of this inaccurate information and mistaken identity be removed for my credit report immediately.
Consumer complaint received 2019-08-27
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. (MI)

I have an outstanding Collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX ) that has been payed in full since XX/XX/2018. I have repeatedly contacted XXXX XXXX to have the account shown as payed in full. They have agreed to do this numerous times and have yet to do so. 

I have both a letter from XXXX XXXX, dated XX/XX/2018, showing that the account is payed in full and acknowledging that the account has been settled, as well as the cancelled check, dated XX/XX/2018, showing payment in full as received. However, they continue to report this on my TransUnion report. 

Additionally, I have disputed the charge through TransUnion and they have refused to remove it as well. 

I have the necessary documents to prove payment and XXXX XXXX 's acknowledgment of the payment in full.
Consumer complaint received 2022-06-09
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)

On my credit report it is showing that the last payment made on the XXXX  XXXX XXXX account that is reporting on my credit report was made on XX/XX/2021. This is inaccurate. The Fair Credit reporting Act clearly states that all information on a person 's credit report should be XXXX percent accurate. I did not make a payment on this account on XX/XX/2021.
Consumer complaint received 2020-10-24
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. (FL)

I never had a XXXX account nor XXXX nor XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

According to the XXXX Website there is an outstanding balance of {$9900.00} in student loans. Previously 4 accounts consolidated into one. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/2022. In XXXX of 2022, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my credit score. It also appears as current balance with XXXX. I have requested explanation of this from the federal student loan department, as well as XXXX with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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. (NC)

I am a victim of identity theft. XXXX has an outstanding balance amounting to XXXX that does not belong to me. Contacted XXXX many times and filed a police report XX/XX/XXXX. I have also disputed with the three credit bureaus via certified mail on XX/XX/XXXX advising of my identity being stolen. XX/XX/XXXX I sent a follow up dispute and even with all proof I sent regarding my identity being stolen, still no resolution. I have called the credit bureaus and XXXX practically every month and still no one has been able to help
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (LA)

I received a bill from XXXX XXXX XXXX XXXX regarding a past due balance on XX/XX/2019. I immediately contacted customer care and was assured it was a billing error and to disregard and it will take one billing cycle to balance to XXXX. Weeks followed and I began receiving harassing phone calls from individuals whom I could barely understand. I finally figured out it was a collection agency and asked to not be called again ; any further communication should be in writing to the address for the alleged balance. On XX/XX/2019, I obtained the services of a consumer protection advocacy firm to represent my interests against the erroneous bill from XXXX XXXX XXXX. On XX/XX/2019, without a response from XXXX XXXX XXXX, I moved froward with arbitration. 

Since that date, I have contacted the collection agency ( XXXX XXXX XXXX ), the firm representing XXXX XXXX XXXX ( XXXX XXXX, GA ), as well as the agency I hired ( XXXX ). To date, I have been turned over to FOUR collection agencies and now, XX/XX/2019, discover that my {$73.00} alleged debt has been placed on my credit report, causing a significant drop in score as a derogatory mark. 

I have been very proactive in resolving this, however, XXXX XXXX, the paralegal assigned by XXXX XXXX XXXX 's ( XXXX-XXXX ) firm has been negligent to communicate, and I received a bill from XXXX XXXX XXXX XXXX regarding a past due balance on XX/XX/2019. I immediately contacted customer care and was assured it was a billing error and to disregard and it will take one billing cycle to balance to XXXX. Weeks followed and I began receiving harassing phone calls from individuals whom I could barely understand. I finally figured out it was a collection agency and asked to not be called again ; any further communication should be in writing to the address for the alleged balance. On XX/XX/2019, I obtained the services of a consumer protection advocacy firm to represent my interests against the erroneous bill from XXXX XXXX XXXX. On XX/XX/2019, without a response from XXXX XXXX XXXX, I moved froward with arbitration. 

Since that date, I have contacted the collection agency, the firm XXXX XXXX XXXX XXXX ( XXXX XXXX, GA ), as well as the agency I hired. To date, I have been turned over to FOUR collection agencies and now, XX/XX/2019, discover that my {$73.00} alleged debt has been placed on my credit report, causing a significant drop in score. 

I have been very proactive in resolving this, however, XXXX XXXX, the paralegal assigned by XXXX XXXX XXXX 's ( XXXX-XXXX ) has been negligent in her duties to communicate, and currently no longer with the firm. Enough is enough.no longer with the firm. Enough is enough.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/2024. I received reports of new hard inquiries from XXXX credit bureaus and subsequently applied for a Capital One credit card without my authorization, I never authorized these and submitted my credit report and related evidence ( including a police report ) for investigation as requested by customer service, I requested that the hard inquiries be removed from my record but capital one denied my request. However, my credit report shows that a Capital One account was added to my name on XX/XX/25 and then removed on XXXX, ostensibly they somehow acknowledged the problem and acted, however, they did not indicate this in their response letter. Hard queries are never removed. There seems to be something offensive about this behavior.
Consumer complaint received 2021-02-11
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: DISCOVER BANK (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Discover Financial, and XXXX XXXX. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-07-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (CA)

The original loan was with Credit Acceptance and the amount was for {$11000.00}. The loan is now at {$22000.00} which is 50 % interest rate. The car was a lemon and told them we wanted to do a voluntary repossession. They never came to get it. They then sold the account to XXXX XXXX XXXX XXXX. They took us to court and won the judgement and a lien was put on our bank account and then emptied. Credit Acceptance is still reporting on my husbands and my credit reports when they sold the account. The original loan was opened XX/XX/XXXX. The judgement that XXXX XXXX received against us was XX/XX/XXXX. I want credit acceptance to be removed from our credit reports as the account holder. They just dropped our scores over XXXX points because they reported it as 180 days late, which was years ago, and added another {$100.00} to the balance.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital One Spark Business card for a XXXX  XXXX  that I XXXX. Capital One offered a XXXX dollar reward for referring another business. I own another XXXX XXXX. 
It did not have a Capital One Business card. So I referred it. 

The small print on the offer stated : " To receive a bonus, you must refer businesses that do not already have a Capital One Business credit card. '' Capital One did not credit me the XXXX dollars and did not inform me. After a LOT of effort on my part they informed me that since I own both businesses I am not eligible. 

That is not what it states in the Small Print. If that was the case, then the Small Print should state : " the individual owning the referring business may not refer another business that the same individual owns ''.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MN)

I just got in the credit reporting of annual credit reporting service and found two credit bureaus of XXXX   and XXXX except Experian and also received those downloaded and saved PFD. There is no sign of what I have seen Experian itself provided via annual credit reporting but already checked out in Experian along with two of them. Therefore, I have determined filing a dispute as I request a complaint about missing one of those on the annual credit reporting. That is how I am affected if it may be caused a scam or disadvantaged offer without the indication of Experian. That is how I am concerned as long as I have to file a disputed complaint! 

Thank you for allowing me to stand up for my belief by not agreeing with annual credit reporting system!
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Where do I even begin with this process, my new servicer Mr. Cooper just continues to give me the run around. I used to be with XXXX and I was waiting for my modification resolution before my loan got service transferred. Now I have been in limbo for months trying to find out why my lender isn't opening or finishing up this modification review. They were supposed to pick up where my last servicer left of. Every time my counselor XXXX XXXX tries to get an update they give him a different update. One week its under review and the next they said no modification is currently under process. I am afraid that I am going to get a foreclosure sale date because they have no idea what the XXXX is going on with my loan.
Consumer complaint received 2022-06-09
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: WELLS FARGO & COMPANY (CA)

RE : Refund of XXXX XXXX XXXX XXXX XXXX XXXX XXXXsXXXX x XXXX qty XXXX  SKU XXXX. 
Dear Sir/Madam : 1 ) I am just requesting a full refund of {$12.00} for the wrong item shipped by XXXX  and Wells Fargo Rewards Dept 2 ) On XX/XX/2022 I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. I order through Wells Fargo Rewards site. I paid a total of {$12.00} between my rewards and personal funds for Order ID XXXX. On the Wells Fargo Rewards site this THE ONLY item you are able to order for this item. 
3 ) On XX/XX/2022 I received the package USPS Tracking # XXXX, Serial Shipping Label XXXX that contained one package of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. This was shipped by XXXX Fulfillment Center at XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX per the USPS box return address 4 ) This was the incorrect item since I ordered XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. They send me a 100 % COMPLETELY DIFFERENT ITEMS in Size and quantity. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. 
5 ) On XX/XX/2022 I called XXXX at the XXXX Customer Service # XXXX and XXXX said I have to call Wells Fargo Bank. 
6 ) On XX/XX/2022 I called XXXX at the Wells Fargo Rewards Dept at XXXX and she said they will file a open case and contact XXXX  customer service. 
7 ) On XX/XX/2022 I received a call from XXXX with Wells Fargo Rewards Dept. XXXX said he contacted XXXX and they said they shipped the correct item. 
8 ) I confirmed with XXXX that on the Wells Fargo site they only show XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. He said they denied his request to replace the wrong item that was shipped. 
9 ) On XX/XX/2022 I called XXXX, XXXX and XXXX with Wells Fargo Rewards Dept at XXXX and explain that the wrong item was shipped and I now just want a refund. They all said another open case was opened today. 
10 ) I called XXXX and XXXX at the XXXX Customer Service # XXXX and they both said it is out of their hand and I have to call Wells Fargo Rewards Dept again. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX  XXXX Tel : XXXX Email : XXXX XXXX
Consumer complaint received 2019-08-27
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.
Consumer complaint received 2021-03-31
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: Byrider Franchising, LLC (IL)

There is a manager at this company that ran my credit without my authorization. There was no reason for the company to inquire about my current credit profile due to the fact that I already have an account with the business that is active, current, and in good standing. I did not give this company permission pursue a credit check at all. The company is XXXX XXXX located in XXXX XXXX, IL. The finance company thats works with the facility is CNAC Finance.