davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have two capital one credit cards ( XXXX & XXXX ) that show closed and paid on all my credit reports in CLOSED ACCOUNTS.I have disagreed and tried many times to have these two accounts removed/disputed from all credit reports.The one account opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill the payment agreement and capital one stopped and closed the account.After they did that, I called capital one in XXXX for arrangement to pay the remaining and negotiated deletion if I finish paying of this account on my credit report which capital one did not fulfill there end of the bargain.As of XX/XX/XXXX, its on my credit report under closed accounts on all three reports.The second account was opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill my payment obligation.In XXXX I called capital one to arrange payments to pay off credit card and in return the remove this account from all credit reports which they agreed on.As of XX/XX/XXXX, its still on all credit reports under CLOSED ACCOUNTS.I made several attempts to get these accounts removed.There statements and comments are false.Capital one will not cooperate
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One Mastercard simply stopped mailing me statements. When I called Customer Service ( 3 times ) I was told that representative could not explain what had happened. My last call had a representative tell me my credit card account had been sold but no contact information was available.

In the meantime, no monthly statements have been received in almost 3 months. I have continued making payments but am seriously concerned about what Capital One is doing to my credit score.
Consumer complaint received 2020-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC (SC)

Hi my name is XXXX XXXX and the company Im filing a complaint on is Bright Lending XXXX. XXXX XXXX XXXX, MT XXXX XXXX On or around XX/XX/XXXX I borrowed {$500.00} from a loan company called Bright Lending. It was a fast arrangement and the gentleman seemed very helpful and zipped me right through. I let him know that I did XXXX XXXX  part time and could steadily pay back the loan every time I was I had parts of the payment and certainly within a year. I gave him my bank info to make the deposit and electronically signed my name. Later that evening I discover the interest would be like {$2500.00}! And then last week they drafted my bank account, which put it in the negative, and now Ill have late fees of {$35.00} every week from my bank. I just had XXXX on XX/XX/XXXX and was counting on receiving a payment reminder or something ... .I couldnt believe they drafted my account. I called Brightlending yesterday XX/XX/XXXX to have the drafts stopped so I could afford to pay them back. I got a flat refusal. After I hung up the phone, about an hour later I received a payment reminder via email ... a little too late. My bank cant stop the automatic draft and Bright Lending will not. I was struggling which is why I desperately contacted a loan place. There was no mention that my bank would be drafted. They didnt even ask for a pay stub from me. Which I dont have one because Ive been ill the past 3 years and havent worked. I am hoping you can point me in the right direction. I want to pay back the money, of course, but not the astounding interest fee. And Ill never be able to pay it back with my bank account being in the negative and the weekly {$35.00} overdraft charge on top of it. 
I was completely misled about the drafts. This is terrible. I cant afford the ridiculous interest not the bank draft charges every week. And I can not access the My Account on their website to attach the interest rate they threw on me. Its like this company takes the money from the bank and there isnt even any money in my account! So now I owe the bank! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

USAA Savings Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those 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 you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-18
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. (SC)

I've been disputing these inaccurate items on my account long before, and until now, no response from the three bureaus and creditors themselves. On XX/XX/2022, I filed a dispute again with the three bureaus concerning several incorrect items, but it had been a month already still got no response. They still trying to collect me with these amounts of {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inaccurate manner.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I noticed my Chase Business checking account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was overdrawn, so I checked it and found that dating back to XX/XX/XXXX, someone gained access to my business checking account number and routing number and started doing ACH debits. The payments were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  The names used were XXXX XXXX XXXX and XXXX XXXX. Two names I've never used and people with whom I have never associated. The amounts ranged from the {$500.00} range up to {$4000.00} more recently, totaling approximately {$21000.00}. 
Once I noticed this, on XX/XX/XXXX, I called Chase Bank and filed a claim. They state they are only allowed to reverse charges that were within 30-60 days of the first occurrence. The most recent occurrence was XX/XX/XXXX. Within the past couple weeks, the criminal debited my account for more than {$10000.00}. I called all of the above companies and they stated they couldn't do anything and to talk with my bank, who is not helping me any further. 

In the past, I received texts or emails about suspicious activity, which I believe this is, and I never received any notifications from my bank regarding any of these debits, even though someone else 's names were used for the transactions. 

The transactions with dates and amounts are in a supporting document. 

The only caveat to this is that some of the earlier funds were returned, but only about {$4000.00} worth. I am still missing approximately {$16000.00}.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (FL)

Repeated calls to both me and husband. Silence each time we answered. Attempted to call back. Asked for personal information without clarifying the company or reason for contacting me. Man, XXXX XXXX was very rude and blamed me for not understanding him. I had to XXXX the company to find out it was a debt collector. We have received nothing in writing from this company. I have blocked the number as they have called three times in one day. 3 calls to me, and 2 to my husband.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (WA)

Caine & Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AK)

Hello, I got asked to create a song. They offered to pay me XXXX but sent XXXX on " Accident ''. 

I deposited the check into my wellsfargo account the XXXX of XX/XX/2021. 
The check cleared and was in my account, so I sent them 4 payments of XXXX, only to have that check bounce 3 days later. I wouldnt sent them any money if the check wouldn't of cleared. I didn't get any notifications that it could be a fake check. I didn't have any pendings over the check it was all in my account. 

The account the contacted me was through XXXX, this is the account. XXXX The email address the check came from is XXXX Hope this information helps!
Consumer complaint received 2020-07-28
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: WELLS FARGO & COMPANY (NY)

I have a loan with XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, and Wells Fargo Card Service. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MD)

I took notice I was getting charged {$63.00} every two weeks from my bank account during an audit and realized it was for furniture that I purchased from a store. When I called in to ask how much I paid so far it was a little over {$800.00} for a purchase I made for a little over {$900.00}. I informed the woman on the phone I wanted to just pay the difference as I totally forgot to go in to pay off the rest in its entirety with all going on in the world right now I was totally sidetracked with everything. She informed me that there is a second early pay off option but instead of paying the difference I would be paying about {$600.00} to pay off the purchase. {$600.00} more worth of interest for a {$900.00} purchase??? Makes zero sense to me no matter how many times she tried to explain to me jargon that only those in that office were trained on in trying to explain why that is supposed to make sense. I asked her was that even legal to charge that much interest as such and she explained to me yes, it is in fact, legal. I called again today to get arbitration information from the company and to stop any future electronic deductions until I can come to a reasonable lump sum agreement and I was informed by a supervisor that I was actually in a rent to own situation. That was NOT explained to me by the store as it was explained I had a line of credit to purchase items!!! Overall they want me to pay almost {$1800.00} for a {$900.00} purchase which I am NOT doing!
Consumer complaint received 2018-05-03
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. (TX)

sent ftc of inaccurate information showing up on credit report XXXX, Transunion, and XXXX has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra
Consumer complaint received 2022-02-18
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)

Please be advised after careful review of my consumer report I have come across the following items on my consumer report. 
XXXX XXXX Account # XXXX This account is currently reported as charged-off. 
This account exceeds the 600 dollar threshold, I was never sent a 1099c which is a CANCELATION OF DEBT which this account qualifies as realized earned income, which means the status of this account has changed. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete This account IMMEDIATELY Failure to respond satisfactorily with the above late payments deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I already reached out to the credit bureaus and to TOYOTA MOTOR CREDIT and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report
Consumer complaint received 2019-10-18
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: Rocket Mortgage, LLC (MD)

Received a phone call from Quicken loans regarding refinance of my mortgage on XX/XX/19. Explicitly stated I did not want my credit pulled. Asked me to confirm my DOB to pull up my credit profile, was never told this would result in a hard credit pull. Tried to resolve with Quicken but was told this is how they confirm consent. Also pulled my wifes credit despite her not being on the phone and myself never confirming any of her identifying information. The loan officer who pulled credit was XXXX XXXX and the person I tried to resolve with was XXXX XXXX.
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (CA)

On XX/XX/XXXX I submitted a international bank transfer thru World Remit for a total of {$800.00} for transfer to XXXX to my wife 's bank account, XXXX XXXX. My wife 's contact information, bank account number and bank routing number and swift code are all correct. I have a receipt and an on line account with World Remit. The money transfer was not and has not posted to my wife 's bank account as of today, XX/XX/XXXX. I have filed notices with World Remit Customer Service via phone and e-mail since XX/XX/XXXX and have very limited response other then they are waiting to hear from XXXX XXXX as of XXXX XXXX. I have received no updates or questions about this transaction since. 

Thank you for your help in this matter XXXX XXXX XXXX Ref : E-mail from World Remit XX/XX/XXXX Hi XXXX, Thank you for contacting us. 

This is regarding your transaction XXXX. We understand the importance of your request and apologies about this matter. We have sent an email to our local partner to check on the funds not yet credited to your recipient 's account. We are waiting for their response. No worries, we will send you an email as soon as we receive their response. 

If you haven't already, try downloading our mobile app, where you can track the status of your transaction from the Transaction History tab. 

If you have any further questions, you can check out our Frequently Asked Questions here. 

Kind regards, XXXX XXXX WorldRemit Customer Service
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (MO)

PNC does not allow to securely connect with other services that may withdraw or deposit money. For instance, I have tried using XXXX a debit card for my child to which I can link my bank account to load money for her use and PNC doesnt allow. There are several stock investment services that I would like to use, but PNc doesnt allow linking.
Consumer complaint received 2018-04-15
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. (NY)

In XX/XX/XXXX XXXX XXXX reported to XXXX   a debt that belongs to a corporation to my personal credit report. I opened a dispute with XXXX   ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested XXXX to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested XXXX to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal credit report.
Consumer complaint received 2022-10-21
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. (FL)

I recently pulled my reports and noticed you are reporting the incorrect ( date opened ) the incorrect ( high credit ) the incorrect ( last report ) the incorrect ( date last active ) the incorrect ( date of last payment ) the incorrect ( account type detail ) ( for this account ( XXXX XXXX XXXX  ). Because the ( date opened ) and the ( last reported ) and the ( date last active ) ( and the ( date of last payment ) and the ( account type detail ) being reported by your company and XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Theres also a copy off my updated credit report provided.showing these inaccuracies
Consumer complaint received 2018-10-15
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. (TN)

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to Transunion, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Consumer complaint received 2023-06-04
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: Exeter Finance, LLC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX You are in direct violation of the Fair Credit Reporting Act ( Exeter is the company and account number is XXXX ) 15 U.S.C 1681 section 602 A. Clearly States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written consent.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the The Fair Credit Reporting Act.
Consumer complaint received 2023-06-04
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: Alorica Inc. (CT)

SST/XXXX  has been disclosing negative nonpublic personal consumer information to nonaffiliated third party consumer reporting agencies. I did not consent to this and was never provided with the option to opt out of this nonaffiliated third party reporting which I, as a consumer, have a right to do per 15 USC 6802. As such, I am requesting SST/XXXX  cease their reporting of account XXXX to all consumer reporting agencies to include XXXX, XXXX, and XXXX, and that the account is removed permanently from all of my consumer reports with all consumer reporting agencies.
Consumer complaint received 2024-03-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (MD)

My mortgage was reassessed and my payment changed by {$40.00}. I sent the payment and like normal and the mortgage payment was considered late by the mortgage company and marked on my credit as a late/missed payment. I immediately sent the corrected amount and never missed a payment. Now my credit is being negatively affected over {$40.00} and I am unable to apply for another mortgage because of this.