davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (DC)

My vehicle was stolen in XX/XX/2022. The insurance company declared a vehicle a total lost and issued payment to the lien holder. The vehicle was paid off by the insurance company however the lien holder sent a delinquent account notification in XXXX. When I spoke to the lien holder, the company explained, no payment was due the notification was sent in error. I continued to follow up weekly to validate the account was paid in full. They confirmed on multiple occasions no payment was due. 

I recently went to purchase a new vehicle and was told a late payment is reporting on my credit. There was never a late payment made on my vehicle.
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: Experian Information Solutions Inc. (OH)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (PA)

I went to my XXXX XXXX to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our XXXX XXXX and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 


Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-10-30
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. (AZ)

I have disputed the late payments on XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights.

15 U.S.C 1681 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 an account without my written instructions.
Consumer complaint received 2018-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

I have a collection being listed in my consumer credit file under National Credit Systems, for a rental which was paid and not accurate. I have tried repeatedly to get the matter documented and they don't comply yet the bureau will not remove or take my dispute serious. The company has not provided documentation to me nor conducted an investigation in compliance with applicable laws on reporting. I have been struggling just to get them to actually look into this.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIRST HORIZON BANK (GA)

On  XXXX   XXXX ,  First Tennessee Bank ( FTB ) unexpectedly closed my Companion Card which had in excess of a {$1000.00} balance. Since closing, the funds have remained in the hands of FTB despite numerous calls and escalations to try and get the funds back to me. It has now been over 65 days and they are holding every penny hostage.   This is unacceptable and the telephone support channels have done nothing.
Consumer complaint received 2018-10-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did not.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have two capital one credit cards and one is a XXXX card and I am the kind of person where if I charge something on my card its usually paid off within the next week or so I paid off right away before I even get the bill. I had one return payment by accident because I entered the wrong bank account one that I had stored on my telephone that have been closed and I called them right away and rendered the situation and made the payment again and it cleared immediately and they have put a 26 day hold on 250+ dollars. The funds cleared my bank immediately and they have just had my money now for almost 26 days and I had a medical emergency this morning and they would not release the funds for a life-threatening event and they have clearly had my funds for almost a month. Not one person at that bank can tell me why they held my funds and theyre holding my funds and theres more than 250 theres several payments behind small ones because I just kept paying on this card to show loyalty and that Im a good you know, citizen who pays their bills. I was in a almost tragic head-on collision a year ago XX/XX/XXXX, and my all my accounts were very inactive for many months because I had to learn how to walk and talk and live again and when I was able to finally get someone to help me I had them call into all my banks all my accounts of them know that everything was it zero, but they started punishing me for an active activity and then punishing me when I started using it another punishing me for paying it off. How is it legal for them to hold my funds for that many days? Ive heard of three or four day holds but a 26 day hold on {$250.00} it cleared the bank immediately and went to their bank and they just can hold onto my money I consider that theft. And when I needed it for a medical emergency it was life or death and they would rather hold {$250.00} rather than help save somebodys life. There was no compassion there was no professionalism they were pretty brutal and I dont understand it. I want them to be held responsible for their actions and for the trouble they have endured me today with getting medical attention and the fear that I live in this very moment.
Consumer complaint received 2019-05-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (CA)

FORD MOTOR CREDIT HAS REPORTED A CHARGE OFF ON MY CREDIT REPORT FOR A CAR LEASE I WAS NEVER LATE ON IN FIRST PLACE ... The Ford issue is still bugging. The lease there I paid every month w/o delay until the end of the lease. Then we run into a heavy disagreement for charging me for the electric cable ( and other charges related to overly wear and tear of the car ) which I had returned to the dealership. The dealership promised I would not have to pay, but then they did not work it out with Ford and I was left in the doldrums. My only motivation to pay an agreed sum in the end was to get this off the report. FWIW I still have the message from the dealership that I dont have to pay anything and they take care of it on my XXXX XXXX. This entire interaction was so painful and disrespectful that I will never deal with the dealership nor with ford ever again ( i had always owned at least one ford car up to that point ... ) .The sticking point was the cable I had returned and ford credit still insisted on charging me on grounds of a late return. This bullying I could not accept but - frustratingly - also not escape.At least I hope the credit reports can state the reason why I dispute this and that the company refuses to remove the item from the report despite my conditional settlement ( even though this was with third party - the agency or lawyers they instructed to go about delinquent accounts. But they hired them and it is another negligence of communication on their part if my condition has not been communicated ).
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, XXXX filed a judgement against my homestead property in Texas. We have owned and lived in and claimed this home as our homestead since XXXX. The property address is XXXX XXXX XXXX, XXXX, TX XXXX. The judgement Case # XXXX, Instrument # XXXX. This judgement was for an unpaid credit card debt. I acknowledge the debt, however, the judgement should not have been placed on my homestead property. I have been unable to refinance my home due to this judgement. I've tried to work with XXXX and then Capital One ( judgement was sold from XXXX to Capital One ) since XX/XX/XXXX when I discovered the lien. They prepared a partial release but it was never recorded. When we tried to refinance our home in XX/XX/XXXX, I discovered that the release had not been filed. I've been trying to work with them to re-prepare the release and get it re-filed since XX/XX/XXXX but I've had no luck. I most recently spoke with XXXX, XXXX, XXXX and XXXX at XXXX who have all attempted to assist, however, they've been unable to provide either an original release for me to file or have their legal team send the release to the county for recording. I need to refinance my home as I was recently ( XX/XX/XXXX ) laid-off and had to take a job paying considerably less. Capital One is preventing me from doing so and as a result I may lose my home and ruin my credit because I can not pay my bills at my reduced salary. My account # with Capital One is XXXX. I am happy to file the release myself ; I just need them to prepare it and send me the original so that I may do so. Again, I have been trying to resolve this issue since XX/XX/XXXX.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo has refused to accept a payment for my Wells Fargo credit cards account from me because their website indicates that i have exceeded the number of times in a month i can make a payment from a non Wells Fargo depository account. 

Neither the account terms and conditions provided when i opened the account, nor the periodic billing statement, indicates any restriction on the number of times a customer is permitted to make an electronic payment from a non Wells Fargo depository account. 

I find this practice to be deceptive and seems to be a means to compel customers to open Wells Fargo depository accounts. 

I have attached a screen shot of the message that appeared in Wells Fargo online banking that prohibited me from making a payment and a copy of a recent account statement that does not disclose any restrictions on making payments.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit agencies are incorrectly reporting that XXXX is showing 30 from XX/XX/2018 to XX/XX/2018. I was never late on this account.
Consumer complaint received 2018-10-30
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. (SC)

Today I contacted TransUnion Credit Report Agency about some inquiries that were on my credit report and tried to dispute them because they arent mines. Instead the representative that I spoke with told me that they cant dispute them unless I had a deletion letter from the creditors. I explained to the representative that I shouldnt have to get a letter of deletion if Im disputing the items, and reminded her that the other two major credit bureaus didnt ask me for a letter of deletion when I contacted them about the same issue. She was very adamant that I had to get the letters and send them in or I couldnt dispute the items on my report.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CBV Collection Services Ltd. ()

They call me constantly XX/XX/XXXX they called from XXXXat XXXX, XXXX, XXXX,XXXX, they also called from number XXXX at XXXX, XXXX, XXXX and XXXX. The day before that number called me 9 times and I have several other numbers for them calling me at early morning hours more than 2-3 times an hour. When I took their call they put me on hod to wait for the rep for 15 mins then rep wouldnt speak t me because I wouldnt " verify '' my personal info they have on file for me.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (NV)

On XX/XX/XXXX I sent a debt validation letter to Conserve. On XX/XX/XXXX Conserve received the letter as evidenced by Certified Mail Returned Receipt. Conserve placed a negative entry prematurely in the amount of {$810.00} on my credit reports and as of today, XX/XX/XXXX have not yet responded to the letter/request for debt validation. The negative entry was later removed from my XXXX  credit file without receiving correspondence from Conserve as evidenced by attached personal credit reports on XX/XX/XXXX while on XX/XX/XXXX, Conserve was reporting the negative entry to all 3 credit reporting agencies-evidenced by attached personal credit reports. On XX/XX/XXXX I received an alert from XXXX that my credit score decreased due to Conserve adding a 2nd negative entry to my XXXX credit file ( with a different account number ) in the same amount of {$810.00}. Previously, Conserve also had the incorrect account name reporting for the negative entry as evidenced by attached credit report XX/XX/XXXX prior to its removal from my XXXX  file. On today, XX/XX/XXXX I received notification that Conserve added the account back onto my XXXX  credit file in the amount of {$810.00} after previously removing it-evidenced by attached personal credit report from XX/XX/XXXX. Conserve is in violation of the Fair Debt Collection Practices Act because : they ( Conserve ) DID NOT provide debt validation within 30 days from receipt of the request ( Conserve received and signed for the letter on XX/XX/XXXX ) ; they ( Conserve ) removed the account from my credit file and have recently re-reported the account making it appear as new ; they ( Conserve ) also added a new 2nd account in the same amount ( {$810.00} ) with a different account number after failing to validate the debt previously and I am also reporting the violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau due to my credit standing/scores being impacted by their ( Conserve ) noncompliance with FDCPA regulations.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

To begin, per the FRCA, as a Federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given any of the Credit Bureau 's, written, un-written, verbal, non verbal, per 15 USC 6802. According to the Privacy Act of 1974, I have the right to privacy on Third Party Reporting Agencies putting derogatory or negatively impacting information ; as well as The Fair Credit Reporting Act 15 USC 1681 ( a ) and ( b ) that the credit reporting agencies can only place information about me, the consumer, with my written consent or else it will effective banking industry.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I have a side by side proof things have been mis-reported and I have attempted to dispute all of these inconsistencies with the XXXX companies. XXXX, Experian and XXXX all have different information, some identity theft, some fraudulent activity and some reporting that I did not request. XXXX on XXXX I disputed with XXXX on multiple names that I did not put into their system, nor did I give them permission to use mis-spelled names. There were multiple un-mailable addresses included in my report with XXXX that they say were updated before my dispute. They were not updated. They have multiple hard inquiries I did not allow and therefore, identity theft and false reporting is still occurring today. There are multiple dates of inaccurate reporting and delinquent mortgage accounts on XXXX. NR and Untied wholesale both have late payments which have been disputed because they are not my debts. I have never had a XXXX XXXX and it's on my XXXX file as a closed account, which must be identity theft. As well XXXX. I have received absolutely no correspondence from them.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

please find attached the letter form XXXX XXXX, for the two inaccurate delinquencies. 
these two delinquencies they have already requested all three bureaus to have it removed all have removed except equifax, they are not helpful at all, i have provided the letter to them and also creditor has requested but they are not correcting and not helpful, please have this inaccuracies fixed on equifax thank you
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX after my mother died I called Capital one and canceled my mothers card. I was contacted by my father who is XXXX and was told that he can't reorder his drugs or buy food since his card was also canceled I spoke with multiple reps and supervisors and they refused to reinstate or send a card without a 10 day investigation. They even claim it was canceled by the automated system which is not true. I called and they didn't ask for a death certificate but only for her card number which is different. She was not the main holder and almost everyone agreed his card should not have been canceled. I spoke with supervisor XXXX and XXXX agent # XXXX. I have e-mailed corporate and everyone refuses to help. My dad is very frail after my Mom 's recent death and twice they called him on the phone and got authorization for me to speak but didn't even note it. 

I have spent hours on the phone and no one will help. Even contacting corporate was no help. They say they have no other process to help. My father nor I needed this type of uncaring company response.
Consumer complaint received 2018-10-30
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 (FL)

I have one inquiry on my XXXX credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with XXXX and XXXX XXXX XXXX.
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (WA)

XXXX XXXX XXXX XXXX XX/XX/2018 email : XXXX Attention XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Re : XXXX XXXX Paypal Credit balance paid on XX/XX/XXXX still shown outstanding. 

Dear Ms. XXXX : I spoke to you on XX/XX/2018, over six months ago about the payment made through your firm for {$2900.00}, [ see enclosed return check in full and final settlement ]. I am the principal in this matter, and regardless of my legal representation, you owe me an absolute duty not to represent false information in court. 

It is your responsibility as a creditor to keep an accurate record of any balances due, including payments made, such as payment made on XX/XX/2018. You have 30 days from the receipt of the payment to update the Claims Register in the US Federal Bankruptcy Court in XXXX for case XXXX. 

You are now over 180 days in default of this obligation. Please treat this as the final notice should you fail to update the Claims Register within the next 4 working days. 

Yours Sincerely, XXXX XXXX XXXX Enc : Copies of phone call transcripts with you and your firm, return check & Claims Register. 

Cc ; XXXX XXXX attorney for XXXX XXXX, Federal Trade Commission Complaint
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My dad passed away in XX/XX/2017. There is a beneficiary deed on file that names my XXXX brothers and myself ; we have since transferred ownership with the city assessors office to our name. The mortgage company has been faxed & emailed this documentation four times now over the last 4 months. They continue to ignore our requests or make the process simple to finalize the Successor In Interest. I have escalated the complaint to the supervisors and continue to receive zero response. It's almost as if they are trying to force us into foreclosure.