davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

State Employees Credit Union is reporting false information to credit bureaus that is hurting my credit. They are reporting 4 late auto loan payments and 10 late joint loan payments with my daughter. This information has begin reporting to credit bureaus XXXX and XXXX by late fall XXXX. This information is incorrect and I have tried to dispute information over and over with credit union reporting information as accurate and its hurting my credit score tremendously. The truth is since XX/XX/XXXX I had been working with a housing specialist at XXXX XXXX XXXX XXXX in the homeownership program to improve my credit so can purchase a home. She worked with me from XX/XX/XXXX until XX/XX/XXXX checking in every 90 days to review credit progress with dealing with only medical collection accounts due to health related and establishing mixture of credit tradelines such as revolving credit since already had two installment auto and joint loans. The bad reporting of late payments were never even on credit reports until late XXXX notice my scores dropped on XXXX XXXX with utilizing over 30 % of credit limits but new remarks was added to reflect late payments. This reporting has made it hard to get approval for home loan and my housing counselor even confirmed it was never there since her helping me for XXXX year. Also I have provided proof to the bank of payments made on time with 30 days that should have never reported late. They updated their system to start reporting to XXXX  last year and this is when the incorrect information was reported and updated late payments placed on XXXX whom they were already reporting to. I have been to main branch where loans was originated and the branch manager XXXX, whom was not there in XXXX but still will not look into the matter after I have showed proof of payment. I went to different branch and the nice lady did look more into it after I showed her past receipts and money order stubs copies with dates made out to SECU with account numbers listed. She called up to SECU Credit Reporting Department in XXXX NC and spoke with a gentleman that told her to request that I go back to branch show proof and branch can call to make request to them to remove late payment for dates showing if it was not late. I have tried that method and nothing seems to work no one will help me. I even sent copies of receipts by certified mail to SECU Credit Reporting Department on XX/XX/XXXX with a letter to prove the dates that they are reporting late for both accounts.
Consumer complaint received 2019-11-17
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. (GA)

I never had this account and documents was submitted too me too verify who and where this service was and know identification was show too verify this was me or sign contracts. I did of dispute before for XXXX XXXX XXXX and all the accounts was remove from my credit. Now of collection company is reporting some of the same accounts that was was disputed and remove and identify protections was put on my credit because of these dispute. Experian calms they submitted proofseen me the proof so I can sue this company for help stealing my identity and holding me responsible for someone else debt. Its not fair people can steal your identity and credit reporting company with out know proof put miss information on your report. I never received know information about this debt from know one. I just got of alert saying I have of new collection item on my credit report. Experian needs too explain and show me proof of this debt or they will be added in my law suit also.They are valeting my rights that are due too me.
Consumer complaint received 2019-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Regarding Capital One Payment History The payment history that is reporting from Capital One Mortgage is incorrect. 

Capital One transferred the mortgage to XXXX in XX/XX/XXXX. 

Prior to the transfer a forbearance/modification with Capital One was in place to correct the payment history and clear the matter. The agreement with Capital One was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted Capital One in XX/XX/XXXX to request relief due to the flood. Capital One created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and Capital One initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later Capital One denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX/XXXX. We called Capital One and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX. 

However, Capital One did not hold up their end of the agreement. We contacted Capital One several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by Capital One. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

The options provided to me on your complaint website did not apply to my situation. So I just chose whatever options you had available. 

My complaint is in regards to how a fraud complaint was handled with Capital One 360 Bank. For the most part I am happy with the way they have handled it. But my complaint is based on something I don't think is right. 

My understanding of FACTA is that the bank has to provide me with whatever information I request ( as long as its relevant ) regarding my fraud incident. A fraudulant/stolen check was cashed in my account. I requested that they provide me with the LOCATION of where the check was cashed. They told me they would not provide me with that information. 

My understanding is that I have a right to that information as the victim of fraud. And they have to provide it within 30 days of my request. But they tell me they will not share that information with me. And they said their investigation takes up to 90 days. 

I mentioned I was at the police station and they told me to have the police contact them. 

side note : they said they don't know where it was cashed YET but would still not provide that information to me even once they had it. And also told me I could not communicate with the investigator to obtain the information on my case. 

I spoke with XXXX, a manager, in the customer protection department. employee number XXXX Fraud case number XXXX
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (AR)

On XXXX XXXX I received a letter from ACI ( American Coradius International ) stating that they are contacting me about an account with XXXX that has been placed with their office for collection. My name is not spelled correctly on the document and my SSN is also incorrect. Ive tried contacting XXXX as well as this company, to no avail. I do not have a XXXX account and I do not owe them any money.
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (MI)

I went to XXXX XXXX XXXX in XXXX, MI on XX/XX/XXXX to discuss turning in my XXXX XXXX XXXX early. The sales person had no interest in helping me. I went to a different dealership found a car that I love and now Ford will not give me the information I need to get the other vehicle turned in. I have called Ford Credit, they told me to call the dealership. My new sales rep called XXXX XXXX and they refused to give her the information. I have called on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. No one will assist me. I then called the customer complaint line XXXX, and she told me this is something the dealership handles. I am beyond fed up and I know they are going to try to charge me for wear and use when i purchased the extended warranty and my sales person told me on XX/XX/XXXX I wouldn't have to worry about any of that. I would rather uber for the rest of my life then to ever purchase a Ford through XXXX XXXX ever again.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2018 I mailed reinsertion letters to Experian, XXXX & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to Experian, XXXX & XXXX
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Retrieved a credit report XX/XX/XXXX and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to XXXX, Equifax and XXXX on XX/XX/XXXX around XXXX-XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to XXXX on XX/XX/XXXX at XXXX, Equifax on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX. To date, I have received updated personal information reports from Equifax and XXXX. I have not received any notification from XXXX. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XX/XX/XXXX. There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX ( XXXX XXXX XXXX ) in the latter part of XX/XX/XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XX/XX/XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXs ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.
Consumer complaint received 2019-08-14
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. (GA)

I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. I have reached out to the FTC and to my local police department. Again I am doing this all on my own and can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX AND XXXX XXXX.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

To whom this may concern, My name is XXXX XXXX XXXX I am a XXXX  in the U.S XXXX  currently XXXX  in XXXX. I was message by a Individual stating to be a manager at USAA saying that they work in a department that offers military members grants to help them in their day by day XXXX. I was offered and promised by XXXX XXXX the USAA manager a grant totaling up to XXXX  This was back in XXXX  of this year I have not received this grant to this day. I feel like I've been fallen into a scam by this Individual of this company. I would to know if I can get this grant or some sort of compensation.
Consumer complaint received 2021-03-30
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: CITIBANK, N.A. (OR)

Citi lowers my credit line every 6 months and this has happened at least four times. Enough is enough on XX/XX/2021. I get your credit line was revised. Citi refuses to change it back. This is ridiculous considering my credit only got better monthly. Each time they do this my credit score take a huge hit so it dropped XXXX points. 

So each time CITI had done this my score has dropped. XXXX points total. I believe that Citi does this intentionally so a person can never get ahead. Ive never missed a payment. I would like Citi to do the right thing. See my FICO from there website. They continue to lower my score every six months.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have communicated with the credit bureaus several times about 3 inquiries on my report that I did not make and they have not deleted them from my account. My first communication was sent in XXXX and nothing has been addressed. I sent them an affidavit and FTC report ( # XXXX ) and still no deletions, and I feel my rights are being violated due to their negligence.
Consumer complaint received 2021-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (IL)

American Adjustment Bureau and XXXX XXXX are piling collections that I have tried to dispute directly and indirectly through the companies and XXXX for over two years. I was on XXXX at the time, then XXXX, and worked to get rid of the debt through the hospital that treated me ( XXXX XXXX XXXX ). I am requesting that these debts be completely relinquished from my current record.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently disputed a bankruptcy on my credit report at the three credit bureaus. They responded to the dispute confirming the bankruptcy stating the information was provided by the US BKPT CT XXXX XXXX XXXX XXXX. I wrote the US BKPT CT XXXX XXXX XXXX XXXX confirming their procedures in regards to bankruptcy records. The US BKPT CT responded confirming they DO NOT supply these records to the credit bureaus. I then sent a copy of this letter from US BKPT CT XXX XXX XXX XXX to each of the credit bureau, along with the letter identifying the mistake. I requested the removal of my credit reports. They all have continued to refuse its removal.
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC (IA)

I opened a line of credit while paying in the check out at XXXX clothingXX/XX/XXXX for around $130 after providing my social security number. I thought the bill was paid as I continued to receive mailings, online orders and coupons at my current address. I discovered in XX/XX/XXXX the bill was not paid, had additional late fees the account was sold to a debt collector. I have found out my XXXX XXXX XXXX bill and credit card was being sent to a combination of my old and current addresses so I was not receiving any mail from them. XXXX XXXX  will not accept responsibility for the error and is not able to wave the late fees or recall my debt from collections as it is not their account any longer and asset recovery solutions is not willing to accept less than $XXXX to clear the debt. I still have not received any mailings from asset recovery solutions because they are using the address provided by XXXX XXXX XXXX. I do not believe this error is my fault in any way. I do acknowledge I opened the account near the amount of $XXXX but due to a clerical error on the behalf of XXXX or XXXX XXXX XXXX my credit score has gone from XXXX to XXXX over the course of a year.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, I tried to obtain a cashiers check. The employee called someone and I was denied access to the funds from my account. And they ended my 10 year banking relationship, saying that its under investigation, suggesting I am committing fraud and she told me inaccurate information. They placed a hard restriction on my account and it has caused a major hardship for me and my family. This restriction has left my account at a {$0.00} balance and the funds were from a loan I received on XX/XX/XXXX. Due to the restriction, I now may have my utilities shut off, me and my family can be evicted and many other factors. They also gave me no indication as to when this will be resolved.
Consumer complaint received 2019-08-18
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: CORELOGIC INC (FL)

I was inquired multiple times by the same company in matter of days. Please remove XXXX XXXX XXXXDate Inquired: XX/XX/2019XXXX XXXX (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXXXXXX XXXX XXXXDate Inquired: XX/XX/2019TXXXX XXXX (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXX XXXX XXXX XXXXDate Inquired: XX/XX/2019XXXX XXXX  (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXX
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NC)

I got behind on my Navient private student loans and could not afford to make the payments. I tried to get a forbearance to become current on my loan and was told that I have exhausted all of my options. We then attempted to setup an income driven plan and we were told we make to much money to be eligible for this and we did not comply with the correct bank document for my husband. The loans went into default. I was called 5/6 a day and when it went to an account specialist, I was told that there was no way they could take payments. The counselor thru navient asked where I was when I was n't home which is absolutely none of his buisness. He wanted to know how I was going to buy XXXX presents. He insulted me as a person and how I could n't make payments. That i was dead wrong in my thinking and I needed to listen to the " grave '' consequences. All of which I tried to offer solutions with what little money I had left over in the month, but these payments were not an option. I finally hung up and got a manager even though they did not want to do this. She told me to ask family members to settle the account for XXXX! I do n't have family members that could do such a thing. I attempted to apply for the loans she suggested and was denied becuase my credit has been destroyed, she told me I could speak to my account manager with anything else though he was harrasing me and making me feel like I was a criminal though they wouldnt help me when I WANTED to come up with a solution..