davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
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. (UT)

After dispute, nothing changed. They are falsely reporting a XXXX bill that should NOT be on my credit report, and based on their own information, shouldn't be reporting.
Consumer complaint received 2022-05-03
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 (TX)

On XX/XX/2022 I started receiving a XXXX XXXX XXXX of {$44.00} from Capitol one. I noticed the fees on XX/XX/2022. They were charged again in XXXX and XXXX. I called Capitol one to dispute on XX/XX/XXXX and was assisted by a rep. He advised me the was nothing he can due to reverse the charges as directed by his supervisor. He was very compassionate and apologetic as he explained, it was my issue. This began with the website " XXXX '' they offered 2 options Send Money and BILL PAY. I have been paying a bill through this system for years. A tab presented " pay with credit card '', recently. Again, this BILL PAY. The fee is {$3.00}. I paid through my credit card as of XXXX Capitol One added fees without any acknowledgment stating it was a cash advance. It was not. they also recited info on there disqualifications with fees and bill pay was not n that list. They refused to reimburse my fees. This is deceptive to the consumer.
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (IL)

On XX/XX/XXXX I contacted Ability Recovery LLC in regards to a medical debt on my credit report. According to Ability Recovery I had an unpaid medical bill of {$100.00} which was the same amount that was reporting on my credit report. I spoke with a agent ( guy ) who told me that if I pay the debt now it can be deleted from my credit report. I agreed to pay the debt in return for a written letter stating that debt will be deleted once paid in full. The agent agreed to send the letter via email to XXXX stating that debt was paid in full for deletion. In XX/XX/XXXX I viewed my XXXX credit report and noticed that Ability Recovery LLC was still reporting the debt so I filed a dispute through XXXX but the results only revealed that the account was updated to paid in full but not deleted. I continued to call Ability Recovery LLC to request that they delete the debt from the credit bureaus and each time i called a rep will say they already sent it to be deleted but as of now it still shows on my credit report as a paid in full collection. Ive contacted XXXX to dispute multiple times and I even sent it the email that I received from Ability Recovery llc saying that debt was paid in full for deletion but they too refuse to delete it. I dont understand how a recorded and monitored conversation on XX/XX/XXXX is not being used in the manner that it was discussed on that call. I am left to seek legal counsel if this collection from Ability Recovery Llc is not deleted from my credit report as agreed upon on XX/XX/XXXX.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (CA)

Hello my name is XXXX XXXX, I am reaching out because there is some accounts related to a bankruptcy? Showing on my credit report, I have never been involved in any bankruptcy, and this is due to me being a victim of identity theft. I have reached out to the three major bureaus informing them of this fraud on XX/XX/21 and they all claimed that this information was verified, but couldn't produce anything other than saying it was verified on their end. I have submitted the necessary FTC report and Identification that was requested from me in regards to getting these fraudulent items off of my credit report. I was involved in the Equifax data breach and also informed them of that and they said that means nothing.
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MA)

I have a vehicle load through Lightstream ( a division of Truist Bank ). On or about XX/XX/2021 I was diagnosed with a severe case of XXXX. I made multiple attempts to explain my circumstances to Lightstream and they fail to recognize COVID as a pandemic and valid reason. I apparently missed a payment during this time. My loan term is 48 months, I am 17 months into this loan and I have paid {$1600.00} in extra payments and more than half of the loan in this time. I am requesting Lightstream to remove the negative remark from my credit file. Any help would be appreciated. Thank you.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is a consumer reporting agency who furnishes a consumer report on me. Experian is inaccurately reporting payment history in accordance to the Fair Credit Reporting Act, and Metro 2 Compliance. Experian is reporting the following inaccurately : XXXX XXXX No Payment Data April 2019- 30 Days Late XX/XX/XXXX through XX/XX/XXXX - No Payment Data Reported and then suddenly : XX/XX/XXXX - Charge Off. 

The above mentioned inaccuracies constitutes INACCURATE REPORTING!
Consumer complaint received 2022-09-06
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. (PA)

I have several hard inquiries on my credit that need to be deleted. These hard inquiries were not authorized by me. I reached out to the individual credits and they suggested I reach out to the credit bureaus. After doing so, no hard inquiries have been deleted.
Consumer complaint received 2020-09-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage acquired our home loan recently so after the transition process we received an email about refinancing. We decided to take advantage and replied to the email and seemingly started the process. We then received a call from a XXXX XXXX claiming to be a loan officer with Freedom Mortgage. Thinking that the reason for his call was associated with the email we received and answered, we proceeded to give him our information ( Social security #, etc ). I also have an email, sent from XXXX XXXX claiming telling me that he is our Loan Advisor. He said he would get back to us later on in the day but that never happened. My wife and I both called multiple times and sent a few emails requesting an update only to finally find out ( the next day ) that because we answered the original email offer to refinance, XXXX was unable to help us anymore So basically, like a used car salesman, he found out we had already started the process with the bank and just blatantly ignored us after that. This is very unprofessional in my opinion. Keep in mind, we were unaware that his call was unrelated to the original email sent from Freedom Mortgage. 
From this point on, things go even more downhill and we realize how much of a disorganized, mess these people are to deal with. Multiple calls, multiple emails ( I lost track ), we still never had an actual loan advisor, the only person we have dealt with from this point is Mr. XXXX XXXX who thinks everything is going smoothly and that its okay for us to not have a direct person helping us with the process because hes certainly not. He also commented that my wife and I must not communicate properly even though we both work directly with each other, same company for the last 12 years. 
So, we finally have the closing date but of course, this does not go smoothly either. A representative from the closing company ( XXXX XXXX XXXX ) calls me to reschedule the time from XXXX to XXXX, same day. We agreed, waited, and received a call at about XXXX from XXXX XXXX stating that his GPS is telling him hes about 30 minutes away. This was unacceptable and I told him to reschedule. We rescheduled for Friday XX/XX/XXXX, XXXX and literally the closing company Texts me at XXXX to tell me its been canceled by the lender. 
After complaining again, we now have another individual dealing with this but its still going nowhere, we started this on XX/XX/2020 and it is now XX/XX/XXXX Id also like to reiterate that we did not reach out to Freedom Mortgage to refinance, the asked us. 

I've attached the original email from them with our " Loan Advisor '' that didn't follow through ...
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon checking the updates on my Transunion credit file, I came across an unverified account placed on my credit file by XXXX XXXX XXXX. From to an apartment lease with XXXX XXXX in XXXX, TX that i did not sign. that I did not sign the was previously deleted XX/XX/2021. acc # XXXX. 
This credit reporting agency is in violation of the FCRA rule that states, " if a dispute is upheld and subsequently overturned, the credit rerooting agency must notify the consumer. 
I have repeatedly asked this credit reporting agency to conduct a reasonable investigation concerning this matter. 
I finally conducted an investigation of my own a called the leasing office XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number XXXX XXXX XXXX and spoke with a gentleman by the name of XXXX on Monday XX/XX/XXXX at XXXX XXXX. XXXX was unable to find any leas agreement with my name or social security number on it. 
A simple five minute phone call to the leasing office will be able to resolve this matter.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I. In XX/XX/XXXX, through her bank, Capital One, and financial services firm, XXXX XXXX, my mother purchased an annuity for a term of 3 years, to end in XX/XX/XXXX. 



II. As per the contract, she was supposed to get notice of expiration in XX/XX/XXXX, however, no such notice was received. Not from Capital One, Not from XXXX XXXX, and Not from Principal. These three entities colluded to act in a deceptive manner and are pointing fingers at one another. Capital One saying XXXX is responsible, and XXXX saying Principal is responsible. Principal continues to hold my mother 's money XXXX and refuses to return the full amount due. 



III. Principal renewed the term for another 3 years without authorization, and are holding her funds XXXX, and will not surrender them without assessing substantial penalties. 



IV. We've contacted XXXX XXXX, who passed us on to Principal. Principal claims to have sent a letter, however that was not received by my mother. They have also not provided any proof of the letter being sent. Just a digital copy of a potentially backdated letter.

V. Multiple calls to XXXX XXXX, Virginia Bureau of Insurance Commissioner have gone unreturned. 

VI. We demand the full amount of the account to be returned, and an interest penalty of 18 % per year for the additional time these entities continue to hold our funds XXXX.
Consumer complaint received 2022-05-03
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  # XXXX ) Has violated my rights 2- ( XXXX XXXXT # XXXX ) Has violated my rights 3- ( XXXX XXXX # XXXX ) Has violated my rights 4- ( XXXX XXXX # XXXX ) Has violated my rights 5XXXX XXXX XXXX # XXXX ) Has violated my rights
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX XXXX XXXX XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX  # XXXX ) Has violated my rights
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

My primary complaint is the non-payment of the mony that was supposed to be fefunded to me in regards to my paying-off my vehicle loan with Toyota Financials ( TF ) here in AZ, telephone : XXXX through XXXX XXXX ( tel # : XXXX XXXX " XXXX ''. 

My loan account # with TF : XXXX | XXXX XXXX. Transaction History file attached. 

My successful call to the above # was on XX/XX/XXXX, where I was assured through the phone that I will be receiving any refund due to me resulting from this loan-payoff transaction including the automatic deduction TF debited from my bank after they already receive the loan-payoff check from XXXX XXXX. 

The customer representative I spoke to from TF was named XXXX who gave me the reference # for this call as follows : XXXX. XXXX assured me that I will be receiving by mail any overpayment amount made to TF or I will be getting a call from their office if more clarifications are made with any other issues about my claim. 

I have been calling and leaving messages with TF 's phone # above and until now I have not heard back from them nor received any snail-mail sent to me from TF. 

The amount credited to my loan-payoff with Toyata Financial was {$20000.00} out of the supposedly {$21000.00} that XXXX  XXXX sent the check to Toyota Financial that amount of which was charged to my current loan for the same car. 

Hoping that I could find resolution in this regard from your good office. I have other issues too that I want to share in another complaint surrounding the 'sneaky " process of my getting this car loan that I thought I was getting from XXXX XXXX XXXX that I thought was only being administratively processed by XXXX  XXXX Toyota that made me lose some extended manufacturer 's warranties that I thought I was getting when I took this loan thru XXXX  XXXX Toyota XXXX 

Thank You, XXXX