davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX  and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX  XXXX  will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.
Consumer complaint received 2018-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (CA)

I was charged late charges that shouldn't have been charged. I have been using my bank XXXX to make monthly payments since XX/XX/XXXX and for the past 11 months, the payments got processed with no issues but in the XX/XX/XXXX payment was returned by TD Auto Finance back to XXXX for reason of " unable to apply payment '' so I was charged a late charge for XX/XX/XXXX. However TD had no issue applying the XX/XX/XXXX payment from XXXX  with exactly the same information printed on their check as the XX/XX/XXXX payment so the fault of not being able to applying the payment to my account should be with TD Auto Finance. I already made payments to make up for the returned payment but TD will now want to charge me late charges. After talking with them, they will only waive the late charge of one month as they charged me late charges for XX/XX/XXXX and XX/XX/XXXX. So I still ow them {$54.00} of late charges. I feel they just want to money from consumers on late charges and in this case I made the payment and the returning of the payment shouldn't be the reason that I was charged a late charge, espeically I have been paying on time all other months since XX/XX/XXXX.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

inaccurate and unknown things on my credit report here 's the list of all the companies, XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( Auto ) XXXX XXXX, XXXX XXXX CO XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased a bank check of {$20000.00} on XX/XX/2021 from Capital One bank. I found out soon after that the person that I invested the money with was a fraud. I contacted and visited the bank to ask them to stop the payment but they did not stop it. The bank told me that their computer system was down and that they could not look up the transaction. The manger informed that when the computer were working again she would investigate the transaction and contact me but she never did. This was neglected on their part and now I loss my familys {$20000.00}.
Consumer complaint received 2022-11-03
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: Atlanticus Services Corporation (NC)

this company saying i signed up for services i never signed up for. the company is called XXXX  XXXX. i called XXXX  XXXX  to cancel the subscprotions and they told me if i canceled i will owe another company for the loan. I called the company that day to handle the dispute and they told me i signed a non refund contract which i didnt sign up for.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (TN)

Regarding Equifax Credit Bureau, my reported score dropped XXXX POINTS on XX/XX/22 with no significant changes to my history except 3 balance DECREASES across separate accounts. I have had no recent hard inquiries on my credit, no dramatic balance increases, and no reported collections or late payments. XXXX XXXX XXXX both have not reflected this change, and despite signing up for a personal account WITH Equifax on XX/XX/22 for a closer look, there is no further information to be found. I find this unacceptable that there has been such a huge drop in ratings, especially with Equifax 's history of incorrect credit reporting in the past according to the national news reports.
Consumer complaint received 2022-11-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-03
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. (DC)

XXXX XXXX  XXXX shows up as a hard inquiry on my Experian credit report. XXXX XXXX XXXX had no lawful reason to perform a hard inquiry on my credit report nor did Experian diligently prevent unauthorized or unlawful access to my credit report. 

XXXXXXXX XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

I first contacted National credit system XX/XX/17 when I was notified of the collection placed on my report from XXXX. I do not owe the balance of {$2300.00} that has been stated I owe I have spoken with the corporate office of Villages of Hikes point they confirmed that I do not have an account nor do I owe an balance. I have disputed this debt several times with no resolution between the furnisher or the credit bureaus there was no notice given letter mailed or contact the company just slammed the debt on my credit report. once i began to dispute i started receiving harassing calls and threats to damage my credit report without a proper conversation for me to deny I owed the debt I have also spent numerous amount of money on repair companies to have this removed nothing resolved i always pay my debts but I will not pay an account that I do not owe. however this has brought many damages to my credit rating
Consumer complaint received 2023-04-04
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 (HI)

Hello I have a member fee ( XXXX point ) Venture Capital One credit card. At the end of XX/XX/2023 I got an offer on my phone app to upgrade my credit card to one that doesn't charge member fee but they decrease the points to 1.5. I took advantage of this promotion knowing that my current credit card it was gon na expire on XXXX. They send me the new credit card by mail. Now when I was checking my charges online I saw they charged me the annual fee on XX/XX/XXXX ( XXXX dollars ). When I call to ask them ( call made Tuesday XX/XX/XXXX around XXXX XXXX  ) to void this charge they said they cant do this. And now I paid for the credit card that I am no getting all the benefits ( XXXX point ) and I get to use only that supposedly is XXXX annual fee but is only XXXX points. I think this is very unfair. 
The manager didnt give me any solution only saying that I approve the addendums and stuff when I change the credit card. My complain is what they give me the option to Upgrade to a card that I was going to save on annual fee when they already had charge me for the Annual fee. This action by Capital One was misleading and corrupted.
Consumer complaint received 2022-07-22
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. (CA)

Hello, my name is XXXX. I am writing in regards to my personal information being used to open accounts with credit grantors without my knowledge or authorization. This is the second complaint I am filing because the first complaint claimed these fraudulent accounts where indeed not my accounts and they'll be removed, yet they haven't. I am now requesting for these accounts to get blocked and deleted off my report ASAP. I have spoken to all the companies involved and they've sent me letters stating these are not my account and they've also verified that these items are to identity theft. The following names are the accounts in which where opened using a fraudulent application which id like to block and delete. Thank you. 
XXXX XX/XX/XXXX XXXX {$1700.00} -XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX  XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XX/XX/XXXX XXXX {$6600.00} -XXXX XXXX XXXXXXXX & XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1000.00} These are all the accounts opened fraudulently. I am also being neglected a block and delete from the credit reporting agencies even when all my documents are valid and meet the FCRA requirements for account deletions in regards to identity theft.
Consumer complaint received 2022-03-02
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)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX  XXXX XXXX
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (VA)

I called Convergent Outsourcing on XX/XX/23 to request a settlement on my XXXX XXXX  which I show on my credit report and also on my last bill the balance is {$1500.00}. At that time I was told the balance was {$1700.00} which I stated was incorrect but was told that is what they show that was sent to them by XXXX. I disagreed and later emailed them and asked them to send me proof of the debt. Although I requested this information in XXXX I just received the documentation on XX/XX/23. I have attached pictures where they show the same bill balance of {$1500.00} not {$1700.00}. I want to know where the difference of {$270.00} is coming from and so far they are not able to prove to me that I owe that difference. I feel that I shouldn't have to pay anything that you can show me that I owe even after asking them to provide me with proof.
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (MD)

My insurance, XXXX, rented a XXXX pump from XXXX XXXX and covered the cost for me. However, I had to return the XXXX pump to avoid any charges, which I did. I called XXXX to send me a return label to return it ; they sent me an empty box with a return label. I put the XXXX pump in the box and dropped it off at XXXX, located at XXXX XXXX XXXX  XXXX MD XXXX, on XX/XX/XXXX ; my tracking number XXXX. When I tracked it, the package was delivered. On XXXX XXXX, I received a letter from XXXX stating that I had in my possession its XXXX pump that needed to be returned if I didn't want to get charged. I called XXXX right away to explain that I had already returned it. They said they did not receive it and will investigate, so they will let me know their findings. I said, ok, but I can not be held accountable for the pump if they did not get it because I dropped it off with their return label that XXXX provided. 

They did not call me to make me aware of anything but sent me a bill of {$500.00} on XX/XX/XXXX. I called them back again. On the billing letter, it was stated, " call on XXXX if you do not have the equipment in your possession ''. I called right away and explained to them again that I had returned the pump. The XXXX ' representative, said that was fine ; the charge will be dismissed. 
In less than a month on XXXX XXXX XXXX sent me to collection and I received the collection letter from State Collection Service , Inc . I'm reporting this unfair matter, and I would appreciate getting help regarding this matter please. 
Thank you
Consumer complaint received 2023-04-04
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: Bread Financial Holdings, Inc. (IA)

I got an alert from XXXX  on XX/XX/2023 that I opened a new credit account for XXXX dollars in the name of Comenity capital bank/ my smile and this affects my credit and credit score, never apply for this card. That credit card has never arrived at my house and I have never requested it, it is fraud, they used my social security to process that credit.
Consumer complaint received 2021-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (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 Capital One Bank USA, XXXX XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}. 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 2019-03-27
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: EQUIFAX, INC. (AZ)

On XX/XX/2019, I sent proof by certified mail to Equifax to remove fraudulent information. I also included form 605b which requires them to block fraud accounts within 4 days. Equifax filed dispute on 1 of the accounts which caused me to call them and inquire why all the accounts were not blocked. They decided to dispute the other account and not block it and told me that I have to wait 30 days for the block which violates FCRA 605B. I want this information blocked immediately.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

This is for Truist Bank who merged with SunTrust. I noticed that I was being charged 36.00 fees with an available balance. This has happened over 6 times. I went online and made a phone appointment twice.No one called. Finally went into a branch. The rep was very nice. She stayed she could see where I was charged multiple fees with an available balance for a while..but they were coded something else. She called Corporate who states that a manager has to review and refund my account. There was no manager available. Rep says manager is away for 3 weeks. Horrible merger. These fees caused a trickle down effect causing more overdrafts. Online banking is horrible. I just want the fees back from the last 30 days. I am fighting XXXX and I can not continue being charged these fees due to bank errors.
Consumer complaint received 2021-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (AL)

This disputed collection action came about ( late 2020 ) as a result of XXXX XXXX 's desire to punish a long-term customer for demanding a termination of service. No contract existed at this time. When I was notified through email ( not in writing ) that there would be a nearly 100 % price increase to {$140.00} ( partially through lost or expiring discounts and credits ), I immediately called customer service and requested termination of service. This termination request came within a few days of the new billing cycle encompassing the price increase. I requested that the service be cut immediately so that they would be owed nothing. They failed or refused to cut the service when requested. This verbal notification was supposed to have been recorded by them for training purposes. In the so called investigation by XXXX and the collection agency, no attempt was made to recover the recording-obviously, the facts must not get in the way. 
XXXX has turned this over to collections, and are attaching my credit report.
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

On XXXX XXXX I sent a certified letter to Debt Recovery solutions for debt validation. The letter arrived tot he company on XX/XX/2020. I mentioned in my validation letter to please provide me with competent evidence that i had any legal obligation to pay them. I mention to please reply within 30 days with proper documentation. I sent debt Validation letter packet for the company to complete and with return with the proper documentation. The company responded within the time frame but they sent a copy of a bill invoice saying this is their validation and if i could pay now. I am very disappointed with what the company provided to me not only was the company not compliant to what i requested but they sent a copy of bill which proved nothing to me and then demanded payment without verifying anything to me. i state in the validation letter packet that the company must return the completed form along with copies of all requested information, which establish their right to collect the alleged debt within 30 days from the date of the receipt of the letter. If no their claim can not and will not be considered if any portion of the form is not completed and returned. unfortunately DRS didn't provide anything but a copy of a invoice.
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

On XX/XX/XXXX XXXX  billed me for {$1100.00} dollars and was sent to collections. On XX/XX/XXXX I was XXXX  until XX/XX/XXXX I reached out to the company and they said if I don't pay them it will continue to damage my credit. They never notified me of the payments and just sent it to collections I now can not rent apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.