davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX claims a right to collect a debt from me of {$3900.00} and a right to report bad credit to my credit reports.. 
On XX/XX/XXXX they broke the Fair Debt Collections Practices Act by discussing my credit reporting while trying to collect, something the Consumer Financial Protection Bureau warned them in XX/XX/XXXX. My XXXX registered & bonded XXXX XXXX XXXX under my Power of Attorney was told, " If you are looking for a deletion I would start by paying in full '' instead of the 75 % off they were willing to settle for if I did not want credit report deletion.. 

The company is also violating the CA Consumer Credit Reporting Agencies Act with inaccurate reporting on my credit reports regarding the account " date opened '' and the " date of last activity '' with Citibank, the original creditor they say they bought collection rights from.. 

Finally, Citibank previously sold my defaulted debt before it defaulted. Citibank makes offers of debt sales on their website and reports the sales to the US XXXX XXXX XXXX XXXX, it is all public information. This means XXXX is lying and trying to defraud me with a claim of rights to collect. I am sure that XXXX  commits this fraud on many Calif consumer, they even file lawsuits with no standing to convey to a CA court of law = Abuse of Process, Abuse of Court Process, Undue influence, Unfair & Unlawful business practices, fraud and more. PLEASE CONTACT ME BY EMAIL FOR EVIDENCE OF WHAT I JUST SAID.. 

To the best of my knowledge the above is true. 
XXXX XXXX
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

I have been a Discover credit card holder since XX/XX/2022. I would always pay my Discover card off quickly. As of XX/XX/2022 I did not have a balance on my credit card. At XXXX on XX/XX/2022 I received an email stating my Discover account ending in XXXX was closed " because we were unable to verify personal information on your account. '' It is important to note Discover never attempted to contact me to verify any personal information whatsoever. Moreover, when I called Discover immediately after receiving the email, the department which deals with this issue was closed until Monday and only in operation Monday through Friday from XXXX to XXXX eastern standard time. Thus, making it impossible for me to rectify my issue and in turn having to accept the abrupt account closure without warning. The email goes on to state, " We will report to the credit bureaus that the account was closed by the creditor, and credit your account with your card rewards balance if you have one. '' It is important to note I was also never credited for my rewards balance. 

This is absolutely uncalled for. Discover never attempted to verify any personal information before closing my account, which did not even have a balance on it at the time. Discover was not even open for business when they sent this email. Finally, Discover is placing my credit in jeopardy for no good reason. This activity and behavior is completely unacceptable and Discover should not be permitted to close accounts for these unspecified reasons. Please investigate.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (OH)

US Bank continues to send emails to me that should be going to their actual customer. I am not a US Bank customer nor have I ever been a customer. Unfortunately, one of their customers incorrectly used my email address at some point while creating an account with US Bank. So now I routinely get emails from US Bank with the name of this customer, the type of product used by the customer and the last four digits of the credit/debit card used by their customer. Despite many emails to US Bank ( sent to both their customer service AND their fraud departments ) I get nothing but additional emails and useless instructions on how to fix MY account records. To repeat, I am not their customer and have no account records with them. It is impossible for me to fix something that doesn't exist. US Bank refuses to correct this incredibly simple piece of info, and willfully chooses to expose their customer 's data to somebody who not only has told them repeatedly to NOT send this to them, but has explicitly told them I was not their customer. They need to fix their error, not me. Further, their customers need to know how callous and indifferent US Bank is to protecting their data. The kicker in all of this is that nearly every one of these emails is promoting how US Bank is working to protect their customer 's private information. Rather hilarious!!
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NC)

We leased a XXXX XXXX through Ally Bank ( which is now the main leasing financial bank for XXXX ). During the time we leased I was caught up in a photo enforced traffic light in Washington DC. DC DMV sent the ticket directly to Ally as they were the title holder and never sent it to me the leasee. Ally is extremely slow with their internal processing and finally sent me the ticket info almost 60 days after they received it. This was in XX/XX/XXXX when the ticket happened. I immediately contacted DC DMV and asked for the photo which they could not produce. I submitted a formal letter to them disputing the ticket which was in process. By the time Ally sent me the information the ticket went from {$150.00} to {$300.00} due to 30 day time limit to pay ticket. If I was informed in a reasonable time frame I would have been able to not only get out of a fraudulent ticket but also save {$150.00}. Ally then paid the ticket, locking me into paying the fine. I have a totally clean driving record with no tickets and had my entire family in the car. I do NOT run red lights ... .. I tried calling customer service many times to resolve. They will not send to a supervisor. I sent a formal letter with all of the information and they never responded. I finally bought out the lease in XX/XX/XXXX through a XXXX Dealership where we originally leased the car. They called Ally and got a complete buy out for the car. I got a loan, paid Ally and got the title for the vehicle. Once again, months go by and Ally sends me a bill for {$310.00}. I now have the car, title, bill of sale and Ally is looking for more money. I have tried every avenue to resolve and at lease get them to pay the {$150.00} due to their poor internal processes that created late information transfer. No one would talk about it, only tell me that I owe them this money. Recently they sent me a letter threatening to send me to collections and report me to the credit bureau. I have 800+ credit. I paid them their money but want no one else to deal with this bank. I have recently found quite a few more people that have had similar problems with them. One person I work out with recently leased a car. Their slow processing sent her the first bill in the mail ten days after it was due and charged her a late fee. Once again rude customer service and no escalation process to dispute. They are pushing their inefficiencies onto consumers without recourse and threats of ruining their credit.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied a for credit limit increase two weeks ago for my capital one venture credit card and I was denied a credit limit increase because my monthly payments are too low. I never made late payments.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX without 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 XXXX  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
Consumer complaint received 2018-05-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC. (SC)

The company ( Ally XXXX ) contacted me in regards to an auto loan I had with them. I explained to the representative that I had made payment arrangements, and I had sent {$1000.00} to them via XXXX XXXX, and I would get the rest to them no later than XXXX because of a family emergency. The representative ( XXXX XXXX ) then used abusive language towards me and threatened my credit rating. As a veteran who has put his life on the line for his country, I feel that I should not have to put up with such dispicable behavior.
Consumer complaint received 2022-01-19
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. (FL)

I suspect fraudulent activity from ACCOUNT # XXXX XXXX XXXX XXXX.I have attempted to Validate this account that doesnt belong to me but the company didnt respond within the 30 day window as it must under the FCRA It has failed to validate this debt all that has been provided is a company letterhead with a account # they claim to be mine as you will see in the attached correspondence please remove this account immediately from my consumer report immediately as I consider it a fraudulent account that has violated my rights under the the FDCPA, FCRA.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX XXXX statement generated for the amount of {$200.00} due XX/XX/XXXX. I made a {$500.00} debit card payment on XX/XX/XXXX. I checked my Experian credit report on XX/XX/XXXX and noticed XXXX credit card monthly status reflected " late ''. I spoke with a XXXX representative that day and the conversation goes as followed : Myself : " why is the company falsifying that I was late 30-days for the month of XXXX if in fact I made my payment 6-days past the due date not 30. '' ( In addition, made another payment of {$75.00} XX/XX/XXXX. ) Representative : " our billing cycle generates on the XXXX of each month and is automatically reported to the bureau. Since you made a payment of {$500.00} you don't have to make a payment for XXXX. '' Myself : " come XXXX once the billing cycle generates again then the month of XXXX and XXXX should reflect as paid and in good standing. '' Representative : " yes. '' This incident did not sit well with me so I contacted my financial advisor and she recommended me to this site to file a complaint. I am in the process of trying to purchase my first home and this particular incident is impacting my credit score and can potentially hinder me from being approved for a mortgage loan. 

Thank you for your time, patience, and effort
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a credit card with capital one. About 6 months into having my card. I got sick ( XXXX ) was not able to work & was sick all the time because of XXXX. I called in & let Capital one know of my hardship & even sent my personal Medical file to prove to them what was really going on. After 3 years of fighting & getting back to some what normalcy. I was happy for a second chance in life but have hundreds of thousands of medical bills. Before I started with my medical payments I wanted to pay off capital one because by right I owe them so I called in on my own free will & spoke to a rep & said I going to make payments on my bill in full but I would like it deleted off my credit report cause its hurting me. She said no problem. I was not even thinking to get it in writing because I had so much problems & issues at the time & did not know how it worked. Paid my bill in full & The item was never removed from my credit report. They had it charge off got a tax write off & I still paid it in full. They even made it worst by reporting a late payment the very much I paid it in full. I wrote to them several certified goodwill letter. They refused I even sent the copies of all 3 credit report showing all the inaccuracies & late payments listed when they were never later! Company refuse. I requested a form for my taxes since my bill was over {$600.00} they have totally ignore. I never knew a company can be so heartless even tho I made good on my own free will. I requested to have the account completely removed because its doing so much harm. And the account has so much incorrect information.
Consumer complaint received 2020-06-05
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-07-22
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. (WA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC (GA)

Lima One keeps paying my insurance even though it has already been paid. The insurance company refuses payment and then the cycle starts all over again. I've explained this to them multiple times. Today, after going back and forth with their Portfolio Analyst, when I told them to not send the payment again because the insurance has already been paid and they need to credit my escrow, they stopped communicating with me. It's a simple process that they don't seem to understand. We've probably gone back and forth on this for over a month and I can't count how many emails and two phone calls.

I have two mortgages with them and this occurred on both mortgages.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Hi, Wells Fargo called me to inform me that my business account and teen checking account are being closed due to disputes with some transactions through XXXX on my business account ( not personal account ). This was around XX/XX/XXXX. They told me that I will receive the funds in ten days after their investigation is done. Its XX/XX/XXXX today and I've only received my business account funds last week and nothing from personal account which wasn't even associated with the issue at all. I went with wells fargo back and forth on calls countless times in last 5 months. Their customer service agents are rude sometimes too and I've filed 2 complaints against " claims department agent '' and a " execute department agent ''. Wells Fargo is refusing to release any money from my personal account even though that account was separate from the business account and had nothing to do with the disputes with buisness account. Upon questioning more, the agent from execute department just hung up the call on my while I was talking. Wells Fargo blocked 100 % of my money for 5 months and doesn't provide me any information about what is going on. They are refusing to release the money from personal account which has my paychecks from work and nothing to do with business account. All the transaction can be seen in the account.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is not my debt and the documentation provided does not at all validate the amount they are attempting to collect from me. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting XXXX debt validation. I never received response from PRA in response to my XXXX request, or did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely XXXX request. I recently disputed this with XXXX. In response, PRA responded to them with their claim that this debt is valid. They then mailed me a statement they claim is from this account from XX/XX/2016, which has a dramatically different amount than what they are claiming that I owe, the amount on the statement is {$110.00} yet PRA is reporting {$470.00} and there is no explanation let alone proof as to the accuracy of that amount or their collection authority over this account, or a cardholder agreement, etc. i do not have this account on my credit report, so I believe the original creditor does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report.
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (GA)

On XX/XX/2020 I was conversing with the head office of a national bank for the better half of 2 hours in the evening trying to solve an issue. 

The banker had to make a call, and I concurrently recieved a call from another source. 
We both had our respective conversations. 
The XXXX XXXX rep was looking to update my number in the system of her banking platform. She subsequently advised me of her actions. 
A few minutes past XXXX XXXX, I noticed an email emminating from Google indicating an update of my recovery phone in their database. 
So, I mentioned that the Google Account was being notifying me that an update phone number had been received. 

Only after I mentioned to her this receipt, was she then made to go into the banking institution 's platform and update my phone within the system.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.