davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
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 (MO)

On XX/XX/XXXX I contacted Capitol One to pay off my credit card balance which was {$290.00} The representative asked for my routing and account number to make the payment. I stated to the rep that I will be using my sister 's routing and account number to make the payment. The rep said it was ok and took the routing and account number. On XX/XX/XXXX I checked my account and noticed there was no payment made. I called Capital One to see why the payment didn't post. The rep stated that the routing and account number was not correct. I asked the rep why didn't they notify me of this issue and the rep informed me that they don't notify customers, it's up the the consumer to check their accounts. I asked the rep if he could repeat the account and routing number that was given to make the payment. The rep couldn't give me that information but stated they tried to take the payment from MY checking account and not my sisters. AGAIN i did not authorize the payment to be taken from my checking account. I spoke with a supervisor to express my dissatisfaction. The supervisor apologized and waived the late fee. I gave permission for my sister to speak with the supervisor to make a payment once again with the same account and routing number. I informed the supervisor that I would like to add my sister as an authorized user but I don't want to add her until my credit card reflected a XXXX balance. The supervisor took the payment. The next day I checked my credit card balance, it stated a XXXX balance, so I added my sister as an authorized user. On XX/XX/XXXX, I checked my credit card balance and noticed the payment still did not post! I viewed my checking account and noticed capital one attempted to take the payment once again from MY bank account! The funds were not in my checking account and this caused my bank account to go into the negative in addition, my account showed a " bounce check ''. I called back to speak to another supervisor who was not cooperative and refused give me the others supervisors name that took the payment. To this day there is still a balance on my credit card that I've tried to pay multiple times. My credit card balance is reporting 99 % and this situation has dropped my sisters credit score by 40 points. I've had this account for 11 years never late. I'm furious and this is unacceptable. 

Eventually i was given the supervisor 's agent ID # XXXX I really needed that payment to post before my cycle date ( XX/XX/XXXX ) for credit purposes. This situation has delayed my personal and business endeavors tremendously and again, I'm very dissatisfied and this is unacceptable.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo sent an email out today on XX/XX/2022, around XXXX pm sent a notice of reversal of temporary credits to accounts that received stimulus payment through the child tax credit. Now because I receive SSDI I automatically pay every overdraft fee as soon as the deposit hits... so now Wells Fargo is basically trying to double dip in payments and claim that they paid all the overdraft fees when I have the evidence through my statements that I paid every overdraft with my direct deposit. 

Now as I am trying to get myself finances together now you see that I am going to be hit with a huge overdraft fee that will then consume all my benefits. I have all my bank statements and am looking for assistance now for a class action case because I know I am not the only one.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

In early 2017, I applied for -- and was approved for -- a Macy 's branded American Express ( i.e., open loop ) credit card, which is issued by Department Stores National Bank ( hereinafter " DSNB '' ), a subsidiary of Citibank. The card was given a {$7000.00} credit limit. I utilized the card heavily, charging several multiples of the credit limit. This often resulted in later-declined charges and fraud blocks on the card that became inconvenient. However, all bills were paid on time and all charges were authorized by me. In early XXXX, 2017, I had anticipated the need to make multiple large charges on my Macy 's American Express. As a result, I overpaid the balance by making in-store payments. This resulted in a substantial overpayment. My hope was that this would allow me to make continued charges on the card without the inconvenience of continued blocks on the card. Unfortunately, shortly thereafter, the card was locked. When calling the phone number on the back on the card, I was immediately routed to a representative ( usually with a 20-minute wait ) instead of the XXXX. This resulted in multiple inquiries about the status of the card. Despite answering all the questions related to the card 's usage and payment history, the card was not unlocked. In early XXXX ( a month after the card was locked ), I spoke with a representative from DSNB 's fraud team who indicated that the card was locked and that there was " no timetable for the lock to be removed. '' As a result, I requested that the credit balance be refunded to me, and the representative assured me it would be. In early XXXX ( XXXX XXXX, 2017, specifically ), having received no refund or even any indication of a refund on the electronic card-management system ( XXXX XXXX XXXX XXXX ), I sent a certified letter ( return receipt requested ) to the address of record for Department Stores National Bank indicating my written request for a credit balance refund in accord with 12 CFR 1026.11 ( a ). As noted in this code section, upon receipt of the written request, the creditor has seven ( 7 ) business days to return the credit balance to the consumer. Per return receipt, the letter was received by DSNB on XXXX XXXX, 2017. As of today, XXXX XXXX, 2017, the electronic card-management system still shows no record of a credit balance refund. As such, DSNB and its parent, Citibank, are in violation of federal law. To avoid continued dispute, please refund the credit balance to the cardholder immediately.
Consumer complaint received 2021-09-23
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. (CA)

I have an old credit card from XX/XX/2017 which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. 
Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2022-01-10
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 (OH)

From XX/XX/21 through XX/XX/21, Capital One knowingly processed XXXX false and fraudulent charges by XXXX for a total of {$210.00}. There is NO contract, invoice, or authorization from the consumer to XXXX authorizing these credit card charges. NO product or service was provided to the consumer by XXXX. Capital One failed to conduct a due diligence investigation. Instead, Capital One required documents that do NOT exist. There is NO relevant contract, invoice, authorization, or cancellation policy because the consumer did NOT order anything from XXXX, or receive anything from XXXX. This is a credit card scam committed by XXXX and Capital One is complicit in this unfair, deceptive, or abusive financial practice.
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I was paying to much for a 2009 XXXX XXXX, when I talked to them about it they said that I had signed the papers from the dealership and they wanted XXXX for the car. My payments are XXXX a month
Consumer complaint received 2017-07-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

My mortgage company, XXXX XXXX, won my home at auction with XXXX on XXXX XXXX, 2017 that XXXX XXXX XXXX listed on behalf of XXXX XXXX XXXX XXXX XXXX. All Documentation was completed and returned to XXXX XXXX XXXX XXXX as requested completed and signed on XXXX XXXX, 2017 at XXXX XXXX PDT. The Affiliated Business Arrangement Disclosure Statement was signed by the listing broker, XXXX XXXX XXXX XXXX signed on XXXX XXXX, 2017 at XXXX XXXX PDT and the seller Ocwen Loan Servicing, LLC Regional Sales Manager signed it on XXXX XXXX, 2017 at XXXX XXXX PDT. I believed everything was completed in accordance to the law, how ever I was notified on XXXX XXXX, 2017 that listing broker, XXXX XXXX XXXX XXXX agent for my mortgage companys other transactions wanted to interpret the contractual law herself and is now hindering my lawful access to my residence while the keys were already given to me. I feel that I am being discriminated against because my ethnicity and is and will try anything to hinder my lawful dwelling in my new residence. They are violating florida statute XXXX and all applicable florida real estate laws that are part of title 33 chapter 494 of the florida  statutes. You can feel free to contact XXXX XXXX He was the person managing the purchase. They are also committing securities fraud seeing how they are hindering funds that have been assigned to a fund that is part of a mutual fund. Please help resolve this matter.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have written Experian and informed them that public record information on my credit file is being reported in error and that the public record information acct # XXXX that they have belongs to someone else who may have used my personal information. 

Initially, Experian did remove the inaccurate and erroneous information, but after checking my Experian credit report, the inaccurate and erroneous account has been entered onto my credit report again. 

I have written to the USBK Court and they did inform me that they do not send information to the credit bureaus nor do they verify information with the credit bureaus. The item in question should have never been on my credit file and it should not have been re-entered on my credit report once it was deleted.
Consumer complaint received 2022-12-15
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2018-05-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (FL)

In XX/XX/XXXX we contacted home Point Financial which is our mortgage servicing provider to ask them about a forbearance program due to Hurricane Irma. We were advised in XX/XX/XXXX early XX/XX/XXXX that we were approved for that but that we would have to repay that come XX/XX/XXXX. However, my husband lost his job due to the company closing and then contacted home Point again to ask them to start the benefit package through the VA to cover a mortgage until he gained employment again. We then waited and waited and waited made multiple phone calls in regards to the package they were supposed to mail us out to fill all of this documentation out. We finally received the package late XX/XX/XXXX. We filled it out sent it in and was requested by them multiple times to continue to update the information because it had been so long since they have looked at the package. There was never one direct point of contact for me to call and follow-up with. Then in XX/XX/XXXX when my husband gain employment I went to log on to make an online payment and they had locked us out of the system. Then from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX until now I was calling them asking to make a payment and they told me I could not do so because we have been in underwriting and we were told to wait until we had a decision. Then, yesterday I received a call from XXXX  at home Point Financial and she stated that we were denied the VA package due to income ratios. She then stated that they would start the foreclosure process and it could be done in weeks if not months. I then contacted XXXX at the VA and she pulled up our loan information and saw that we've had no modifications and nothing done to her alone so that we are still in the parameters of receiving benefits to prevent foreclosure from the VA. We are doing everything we can following up with phone calls trying to make payments and here we are being told that we have no other options. But I know that there are!!!
Consumer complaint received 2022-12-02
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. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I think you have not validated this account 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. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : Balance : {$18000.00}
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Acquisitions Group (KY)

Debt collection firm is trying to re start a debt from more than a decade ago. The company was able to put this as a new debt on XXXX. Not only do they mail the same threatening letter to the address but they call nonstop. Today 's call threatened to attach the over aged debt to my mortgage.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vital Solutions, Inc. (KY)

Collection company contacted me about a medical debt from two years ago for an emergency visit. I explained to them that I always had insurance and my emergency room copay was {$250.00}. They told me I owe {$1500.00}. I provided them with my insurance information. They did not reply to the information I provided via email to the representative that contacted me, and after a couple of weeks resumes calling me.
Consumer complaint received 2019-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery has continued to illegally report an account on my credit report that is not mine. Ive sent them 3 certified letters that I know they received and have yet to receive a response concerning what I sent. The last one sent was XX/XX/2019. This account is being reported incorrectly as it is not my account they have not sent me any type of proof that they have reflecting this is my account.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXXXXXX, Attorney General and FTC
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (TX)

On XX/XX/XXXX, I received a call from Credit Control LLC ( hereafter " CC '' ) stating that I have an outstanding balance of {$30.00}. CC stated that the debt originated from the company XXXX XXXX. During the call, I informed CC that I was disputing the debt as it had been paid timely. The CC representative informed me that I had to call XXXX XXXX  to solve the matter directly with them. 

On XX/XX/XXXX, I called CC and requested that CC mails me written documentation validating the debt, as it is my right pursuant to the Fair Debt Collection Practices Act ( FDCPA ). On the same call, I also provided CC with my home address. 

As of today, XX/XX/2021, I have not received any written documentation from CC.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Upon inspection of my consumer report I found the following inaccuracies. 

Name Address DOB Please see attachment There should be no other name, address or XXXX other than the one listed on the attachment. 

If it's not on the attachment, then remove it from my profile immediately.
Consumer complaint received 2022-12-02
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. (IL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-11
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. (TX)

Equifax provided the following companies with my credit report and I did not give anyone permission to pull my credit report. I want this stuff off my credit because I did not ask for anything from these places. Please delete the inquiries for these companies I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission -
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which  would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.
Consumer complaint received 2023-01-13
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.