davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, my name is XXXX. I have had a credit card with Capital One ( XXXX XXXX XXXX ), which I have had for 11 years now at that point in time they charged me a {$19.00} annual fee. Now if someone applies for that same exact credit card a new applicant does not have any annual fee. Is this against the law for them to do that? They should not be able to charge me a fee and not someone else. I would have thought that is discriminatory. 

My credit is excellent. I do n't miss payments. Most of the time I pay the balance off in its entirety weeks before the due date. If there is nothing I can do I will have to stop using there cards then because they never give me credit limit increases or lower my APR. They will not work with me at all. I guess I will have to stick with my XXXX XXXX or XXXX. 

I believe they should n't be able to charge someone a fee that they do not charge someone else. Even if they do stop charging me a fee, they should not be able to continue charging someone else just because they do n't realize it.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I deposited a check on XX/XX/2022 and was told it would be cleared on Monday, XX/XX/2022. The check in question is being held until XX/XX/2022 and is going to cause a late payment for my mortgage. Also even after not opting in for overdraft protection, I am still having my account pay out reoccurring debts causing several overdraft fees to hit my account. My account is being overdrawn in the same manner as a previous investigation by the CFPB. 

XXXX XXXX XXXX
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

After reviewing the account statements I discovered that credit that was applied on XX/XX/2018 for XXXX was reapplied XX/XX/2018 as a charge or a balance transfer. This amount was the charges for the card I had not received and the charges that were not recognized when I had gone to the branch and spoke to the teller that in fact treated me in a very poor manner. There was also a late fee that was charged in XX/XX/XXXX for XXXX and I do not understand how that was done as I have no late payments and Wells Fargo is the only account that has reported this error. So the amount that was in dispute was just reapplied as a balance transfer?? That seems to be unfair and as time has gone by there has been no letter to state the charges were going to be reapplied. Then there was several ( BANK REVERSE CREDITS ) that were not clear as to the reason for the adjustment. I would like to have this issue looked over because I think that doing business with Wells Fargo has become a real problem and that I believe that the balance for the account is far less than THEY have indicated.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is a major credit reporting agency. I have been trying to repair my credit. In XXXX my credit was XXXX. I started paying on debt and In XX/XX/XXXX my credit score was XXXX and 1 week later its XXXX. I had paid off 5 accounts in collection, I opened no new accounts, and it seems like after I cancelled my membership with experian my credit score dropped dramatically and being that I still have a basic membership I have been receiving emails frequently saying something is effecting my score. I guess to show me the drop in my credit score so I could want to sign back up for the {$25.00} membership. Please check into experian scoring process it may be misleading consumers about lowered scores to make them purchase services and when a person cancels fee services they lower your scores. Another thing it's taking them months to remove debts settled. So if you have a hard inquiry they'll lower your score because of the debts still on your report.
Consumer complaint received 2022-03-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit acceptance calls me at least 5 times a day. I got into a bad accident in the state of Alabama. The car was totaled and was at a tow yard in AL. It was a hit and run accident. I live in NY so I had to pay {$1300.00} to get back to NY. The insurance company stayed I only had liability, which I am fighting them because I just got the car in XX/XX/2021. I had full coverage and GAP insurance. I am out of work on XXXX due to my injuries from the accident. I called credit acceptance and told them to go get the vehicle from the tow yard. They have the vehicle and keep calling me 5 times a day and sending letters in the mail. I am fighting the insurance company. And until my situation improves and I get back to work I can't do anything right now
Consumer complaint received 2018-11-07
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. (PA)

My name is XXXX and I recently got an alert from XXXX XXXX   showing 3 new accounts of which I did not open. I love in Pennsylvania and these accounts wheee opened in XXXX New Hampshire in the amounts of {$1500.00}, {$1700.00}, and {$2000.00}. I have no idea how these are in my name!! I dont want to have to have this debt when I have no idea where it even came from or how it got there. It shows up as XXXX XXXX XXXX and they used the same account but have 3 different amounts. This occurred on XX/XX/2017. I dont know why I didnt get an alert sooner but as soon as I looked at my XXXX XXXX account I contacted you all. Please help me!!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CT)

My credit was checked for a home refinance and at the time I was informed that my name is on collection. All my bills are always paid on time. I had never received an attempt to collect a debit. I have tried to communicate with the company listed on my credit report but was unable to find any contact number. I sent a written letter to the POBox provided on my credit report on XX/XX/XXXX but they have not replied to me. 
Collection Agency : XXXX XXXX XXXX XXXX XXXX address XXXX, XXXX, MA XXXX Opened date : XX/XX/XXXX Past Due amount {$390.00} Original creditor : Medical Payment data : Medical I have also contacted all my doctors and the hospitals that I had services on and all of them reported to me that I do not  have any outstanding balance.
Consumer complaint received 2018-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

I got a letter two days ago from American Express ( two addressed were on the letter : XXXX, NJ was on the letterhead and XXXX  XXXX, FL was on the bottom ), stating I owed {$37000.00}. I have not had an American Express account for many many years. I have not had any communication with AE for years and my credit reports do not provide any evidence of it. I could not get an account now if I tried since a few years ago I got health issues and would certainly not be approved for any credit. 

The statute of limitations for any earlier amounts would have been way beyond any collection efforts and this threat to avoid collection activities is unethical and illegal. I will be sending them a certified letter, but would like this notes and followed up for company censure.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (TX)

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer. Furthermore, I sent a dispute letter to the agencies over 9 months ago and they have failed to verify the accounts. My information was involved in the Equifax data breach and my information may have been compromised. No collection agency has verified any of the accounts these agencies are reporting. I will attach my data breach id and the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified accounts are removed from my credit report within 10 days : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2018 i received a credit alert stating my credit score had drop 72 points now bringing my struggling trans union score down evan lower, when i check to see why it had  drastically drop it was because they stated a credit card i had and paid off over 20 years ago was no longer being used or active this account was closed again over 20 years ago and paid off, transunion and these credit reporting agencies will drop your score for things that make absolutely no sense to keep u in a higher interest rate and tell you u need more credit from high interest credit cards that are as bad as pay day loans, i sent them an email the XX/XX/2018 they told me it drop because i had no active credit never mind i just paid off a car loan of over 3000.00 my credit card with XXXX  XXXX  is allways on time and paid off as were the car loan paid off and the one still existing people of lower finacial and of color fight an uphill battle with the practices credit reporting. Agencies are allowed to get away with they pettle more high interest loan dept for greedy corporate America to further keep you in dept and never able to achieve your goals or dreams, on every low income credit reporting agencies reporting tools is high interest loan dept sold to poor and disenfranchise, this was to lower my already struggling credit to keep me in a higher intrest rate, it is a low and shameful practice that XXXX XXXX and these other credit report agencies do
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (AZ)

I pulled my credit and was surprised to see a collection from TransWorld System Inc., which being a collection has dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or who it was for. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification ( s ) regarding the debt from XXXX which did not hit my credit until XXXX ( 2 years later! ). After finding the company name and phone number they were able to pull up my account number ( XXXX ) with my social security number and I was then able to verify what it was for and settled for the amount it was for. As an XXXX veteran trying to better his finance for his family, I would like to kindly request that this collection be removed from my credit due to erroneous collection practices.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

I fill out an loan discharge form about not having my XXXX in 2003, they denied but it was for the wrong loan and I put the name of school and year on there. I do n't understand how they mess that up
Consumer complaint received 2019-09-01
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: DISCOVER BANK (MN)

I have been disputing a 30 day late payment that occurred on my Discover account in XX/XX/2018. Discover has refused to do an investigation into the matter so I escalated the issue to their corporate office of Customer Advocacy and to the CEO 's office but nothing has been done. 

After reviewing my account with Discover multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XX/XX/2018, but the auto pay did not make this adjustment. 
I submitted the payment on time, via a phone payment on or around XX/XX/2018 but it bounced on XX/XX/2018, then Discover represented the phone payment XX/XX/2018 and was returned XX/XX/2018 because the Discover Financial Services representative took down my incorrect bank account number to process the payment that bounced. 

XXXX XXXX acknowledged to me that the payment kept bouncing because Discover had the incorrect bank information to process the payment that kept bouncing. Discover Financial Services representative made a mistake that caused my account to have a 30 day late payment. 


Discover Financial Services is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). Discover Financial Services never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item. 

Discover Financial Services is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). Discover is not allowed to report inaccurate or incomplete information. 

The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. 

I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on Discover. Discover is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).
Consumer complaint received 2019-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today XX/XX/2019 I received an email that I had a new credit inquiry on my XXXX report. According to my alert and my report, this inquiry took place on XX/XX/2019. I have NOT applied for new credit in the past year. This is a FRAUDULENT unauthorized inquiry.
Consumer complaint received 2019-09-01
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. (NC)

I have never lived or had any association with the following address listed below and its listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX
Consumer complaint received 2022-03-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (AZ)

XXXX XXXX XXXXXXXX and Fay Servicing, XXXX XXXX XXXX.. I caught XXXX and lost my job ..I was in a forebearce agreement with the loan services ..Both continued to charge late fees and finance fees during the time of forebearence. I lost my home and property at foreclosure sale XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel the above companies have taken my home illegally.
Consumer complaint received 2019-08-31
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I purchased a used from you XXXX XXXX XXXX. In less than 3 weeks, we had to return the car twice. I contacted the you as well as XXXX. You didn't want to help us with the car, so we surrendered the car because the car was no good. YOU the dealership didn't give us a buyers guide and the car was in an accident. Lots of info was omitted.. If we would have known this, we wouldn't have purchased the car. We disclosed this with the bank and the car was sold at the a auction. I didnt even have the car for a month when it was returned.. plus .. we didnt even know the timeframe for it to be returned. This account is already settled needs to be delete. I got my down payment back. Fix my credit report!!
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (IL)

I lost my credentials, and around that time my information was used to apply for housing in a state Ive never even been a resident in. On XX/XX/2021 that activity showed up on my credit report, and I tried to explain to the company I wasnt even aware of this, nor do I live in the state where the activity was applied to. No progress has been made.
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

I opened a checking account with CITI bank back to XX/XX/2018. Citi advertised that there was a {$400.00} bonus after depositing XXXX dollars in the checking account for 60 days. I fulfill the requirement and confirmed with the online chat representative that the bonus would arrive no later that XXXX. However, It has not arrived yet until now ( XXXX ). Also, I filed a claim with Citi bank on XXXX. I was told it would 3 to 7 business days to complete my request. 8 business days have passed. No follow up, no bonus, nothing. I was charged XXXX dollars for not maintaining enough money in my account according to their terms & condition. When they break the terms & condition, there is nothing I could do. Will not banking with Citi again
Consumer complaint received 2018-11-07
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)

Hi, On my credit report, there are 4 negative accounts which show incorrect account numbers, balance and charge off. These accounts do not belong to me. Please delete the accounts as these are hurting my ability to obtain financing. 

These accounts do not appear on XXXX  or XXXX. 

I have highlighted the areas in question. If you can not VERIFY that the information belongs to me you MUST remove the items within 15 Days of this notice. If they are not removed we will take your company to court and sue you for defamation and damages. 

Thank You.
Consumer complaint received 2018-11-06
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. (CA)

I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Transunion also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (FL)

In XX/XX/2018 I spoke to a representative at GM financial and was told on their recorded line that I would be able to give the vehicle back and get it back after a month or two and continue the payments since I was going through a difficult time financially. When I called back asking about the letter I received after the car was returned stating the vehicle would be auctioned off I was informed that I was lied to by the previous representative and that unless I had the past due balance plus the repossession fee or the total loan amount I wouldn't be able to get my car back. Now I am stuck with a repossession on my credit. I submitted a complaint to the company about the situation but was never contacted.
Consumer complaint received 2019-03-30
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. (CO)

XXXX is currently reporting a closed account ( closed XX/XX/2017 ) as " Pay Status : >Account 30 Days Past Due Date< '' This account has been closed and paid in full for two years and now shows the current status as 30-60 days past due. Our credit score has dropped on all three reporting agencies 40-70 points. We have disputed several times with the agencies and XXXX just " confirms '' the information. I have written and called XXXX several times with no avail. We need help PLEASE! This is being reported on both my Husbands and my reports.