davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ME)

I have faithfully made my payments on my Best Buy credit card for many years. In XXXX 2017 I started using a new checking account. The payment went through, the new checking account was selected for all future payments. XXXX XXXX, 2017 I logged on and saw my payment was scheduled for the correct account. Now on XXXX XXXX, 2017 I logged in to find my account is past due. Somehow they decided to charge the old checking account they had on file, which I closed in XX/XX/XXXX, and they 're charging me fees and raising my payment citing the late payment as the reason. This is the second time I 've had an issue with my account. The first time they switched my information, ( eg : name, address, credit card number ) with someone else that I 've never heard of and it took two hours to fix it. Now between my fiance and myself we 've spent an hour on the phone and with Citibank online fighting because they want to charge us fees for a late payment when it was not our fault. I 've never been late with my payments on my Best Buy credit card and they argued with us. This practice needs to be fixed, after a quick search online I 'm not the only one that 's had to deal with this through Citibank. We were left talking in circles with reps. At one point the reps said they could fix the fee 's if we paid the {$58.00} that was due. I felt like I was being extorted because my payment would n't be that high if they did n't charge the wrong account. The rep had the audacity to act like they were doing me a favor that way. It 's absolutely ridiculous to treat people like this over and over again and I 'm wondering how many people they 've done this to that do n't know they have recourse.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (FL)

Due to insufficient due diligence, Affirm helped to finance a Ponzi Scheme by XXXX XXXX, and has direct liability in this issue since it was helping to finance XXXX XXXX 's transactions even when it was clear that they were insolvent and unable to fulfill any new orders. We purchased a sofa from XXXX XXXX  and used Affirm to finance the transaction because XXXX XXXX and Affirm had a co-marketing agreement. This means that XXXX XXXX marketed Affirm 's financing, and Affirm had a direct contractual relationship with XXXX XXXX  which granted Affirm exclusivity in terms of being marketed on the site. However, we never received our sofa, and XXXX XXXX  is claiming they have no legal obligation to fulfill orders placed before XX/XX/XXXX. Affirm has lied to the media by stating that consumers do not have an obligation to pay loans during the dispute, while writing to us on XX/XX/XXXX that we still have the obligation to pay them. For example in a XXXX XXXX XXXX article Affirm said there is no obligation to pay until the issue is sorted out : XXXX XXXX XXXX XXXX XXXX  has admitted that it was obtaining payments and delaying orders because they had no cash to fulfill them, yet even through XXXX, Affirm was still fronting loans to XXXX XXXX. At this point Affirm is trying to pretend that it has no responsibility, arguing there is nothing they can do since 60 days have elapsed, and refusing to refund us. Meanwhile credit card companies like XXXX XXXX are helping consumers with this XXXX XXXX  issue. This is yet another reason why the CFPB needs to have better oversight over the XXXX providers.
Consumer complaint received 2023-01-11
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. (TX)

I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are XXXX address there are not linked to me in my report XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-15
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. (VA)

1st I contacted XXXX XXXX XXXX XXXX after my Bankruptcy discharge. to make them aware that they were reporting my car loan as closed and discharged off in the bankruptcy, which is not true. I'm currently and always have been paying on this loan and have never missed a payment. they are still reporting it as closed. then I notified experian about this matter and sent pictures. after disputing it a few times the information has still not been updated. experian does not allow you to write in an explanation, they have prefilled options only. you can't state exactly what is going on. but I am currently paying my car loan. My Report should reflect that.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

I have made several attempts to have this debt removed and the agency changed the date of the debt to a more recent date. I have sent them letters requesting proof and validation of the debt and have not received proof, or dates as to when this debt took place. I have reached out to both the collection agency and the credit bureaus and no one seems to have proof of this $ XXXX+ debt. I have made several attempts and at one point, someone at the collection agency said they would remove it by XXXX as they didn't have documentation due to the age of the debt and it has not been removed, it only decreased my credit when they changed the date and then reported late payments when NO PAYMENTS have been made. Please help as I tried getting a home loan and this has affected me greatly. Letters and request for proof were all sent on XX/XX/2020.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TransUnion, XXXX and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TX)

Customer representatives from PNC from the XXXX number that collect credit card payments told me that if I make the payments in the XXXX and XXXX is that what keep the account up to date and I wouldn't fall behind. Turns out that was wrong advice and I was very surprised when the account ran 30 days past due because it's never done that because I've kept up with it. Customer service gave me wrong advice as far as the minimum payments That's why the account fell behind or I would have made sure I kept it as current as possible. Please remove the negative information from the credit report as I'm in the process of trying to purchase a home and it could be detrimental to the credit report. Thank you for your time and consideration.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (FL)

I recently opened an account with XXXX. Shortly after opening the account, I paid the balance off in full. I recently pulled my credit report and discovered XXXX is still reporting the account to the credit bureaus with almost the full balance. I filed a dispute through the credit bureaus advising them and XXXX that the account was paid in full. XXXX responded by denying that the account was paid in full. Because of XXXX 's response, the credit bureaus refuse to update or change my credit report. This is causing damage to my credit because it inaccurately reflects a debt owed during a time that I am trying to purchase a home.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Kohl 's refuses to communicate the complete 16 digit number of their card as it appears on the three credit bureaus. Their cards only show a partial number made of only 12 digits. Kohl 's support responded me that I could get it in any store with an ID ( see attachement ). The XXXX XXXX store ( XXXX ) refused to do so when I appeared today at the customer help desk. We call their internal help line and Kohl 's says they do not provide it neither by mail, email or over the phone and the stores refuse to proceed although it was promised in their response. So there is no way to get the real credit card number and be able to consolidate effectively with our credit report with a fully documented Kohl 's account. NB : they even use 18 digit where the two last are for internal purposes.
Consumer complaint received 2023-01-11
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: Bread Financial Holdings, Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : COMENITY XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-01-11
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: LEXISNEXIS (LA)

XXXX completed an investigation of credit report, no resolution. Stated a company Lexis Nexis provided information. 

XXXX Lexis Nexis have no such information per a letter mailed to Me. Also inaccurate information still reported on file. XXXX XXXX complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at Lexis Nexis, no public information regarding bankruptcies only insurance information and also address and phone records. XXXX Lexis nexis XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from Lexis nexis contains a PIN number and hyperlink which displays all information held in Lexis nexis files. I have forward this info to XXXX as well. Still no resolve
Consumer complaint received 2023-01-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

I woke up on the morning of XX/XX/2023 to deposit a check onto the Chase online banking app and did so successfully into my checking account but noticed that my savings account which had over {$350.00} dollars in it was completely gone and I was left with only a negative balance I had in my checking account. That was all the money I had and now XXXX cant pay bills or do anything. I contacted the customer service and I was told they closed my savings account the day prior due to inactivity for 69 days which makes no sense. I went to ten branch downtown in person and spoke with a representative there and was still given no clear answers as to where my funds went or why it was closed and she pulled up my activity and it showed I used the checking account multiple times. She called someone on the phone and all they told me was I need to file a claim or I could wait 2-3 days to have my funds available in my checking account but rn I have nothing and nobody can give me any clear answers. Its like the bank just stole my money.
Consumer complaint received 2021-08-15
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. (TX)

I submitted a dispute showing inaccurate information reporting to the three Bureau. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.
Consumer complaint received 2020-11-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XXXX I have called Pentagon Federal Credit Union and requested closure of my savings account and closure of my credit card account. The savings account at the time had {$5.00} surplus or positive balance and customer service representative has assured me that I will receive check in the mail for {$5.00}. The credit card account had {$0.00} balance at the time and there was no pending transactions, by the way, I have not used the credit card for weeks. Today, on XXXX PenFed has sent me three different emails informing me that in the future I will be charged {$2.00} for paper statement they will send by regular mail for the savings account and {$1.00} for paper statement they will send by regular mail for the credit card account. The third email is about discontinuation of the electronic tax forms. 
PenFed has no rights to charge customers any fees for mailing the very last statements when customers close the accounts in good standing. These three emails may be sent in error by PenFed but I am still taking it seriously by the huge financial institution to my consumer well being.
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

Hello, So there are two debt amounts that they are claiming are from 2021 which I have no knowledge of and I never received any notices or statements from them. I have already sent them a letter through certified mail from my attorney stating that I wanted a debt validation as well as it removed from credit report. It also violates my HIPAA rights for them to sell any of my personal information.
Consumer complaint received 2021-04-02
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. (CA)

I have found 4 accounts on my credit report that do not belong to me they are a bunch of different things that I have not signed or applied for. I have sent out a Identity Theft Report and also contacted the bureaus multiple times with letters after letter since XXXX of 2020 4 letters to be exact and they have not done anything about this. Please help me out XXXX XXXXXXXX XXXX  XXXX - Act # XXXXX Amt {$4200.00} XXXX XXXX XXXX XXXXXXXX - XXXX # XXXX XXXX {$4400.00} XXXX XXXX XXXX - Act # XXXX Amt {$180.00} XXXX XXXX - Acct # XXXX Am {$150.00}
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

This appears to be a resuraction of Claim # XXXX dated XX/XX/XXXX for XXXX XXXX XXXX It involves {$30.00} claimed by XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX acknowledged debt was not owed and cancelled claim. XXXX XXXX XXXX internet was canc elled XX/XX/XXXX and {$30.00} paid XXXX XXXX XXXX wants full bill paid even though XX/XX/XXXX of {$60.00} total even through services were not used. 
XXXX XXXX XXXX just farmed claim out to another agency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MS XXXX Phone XXXX On XX/XX/XXXX I spoke by phone with a XXXX at XXXX at XXXX XXXX I asked for copies of ALL paperwork relating to claim She said she had NONE It is their Case # XXXX
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MS)

I have a home mortgage with XXXX ( Loan # XXXX ). My property taxes and insurance were escrowed at my request. On or about the first XXXX  XXXX I notified XXXX that my property taxes had been significantly reduced and my escrow collection was to be adjusted accordingly. I supplied them with a copy of the new assessment letter. 

I heard nothing from XXXX and was informed, via their website, that any attempt to inquire as to the status of this request would result in further processing delays. Next I received a notice from XXXX telling me my escrow collection amounts would be increased as XXXX needed a cushion. I called customer service to see if I could rectify this. They were no help. I then requested the escrow service I requested be canceled and any funds be reimbursed to me. I further asked for a specific date by which this would be completed. 

I received a vague response from Homepoint stating they had approved my request along with an obtuse reference about needing to maintain an escrow account in case I missed a tax or insurance payment. 

Today I received a " bill '' for my XXXX mortgage payment not adjusted to reflect the lower tax amount and the escrow increase made without regard to the aforementioned tax reduction. 

As of this date I have send 5 requests to XXXX, including a copy to their CEO, asking this issue be addressed. What I have asked for is for them to cease escrow services on my behalf and refund any excrow balance to me. I sent a 6th request today.
Consumer complaint received 2023-01-11
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One did not address my request they closed my account which is a direct violation of my consumer right pursuant:15 USC 1602p . They did not respond to my Affidavit Of Truth or my desired remedy, and continue to violate my consumer rights. They did not honor my Cease and Desist or respond to my Affidavit Of Truth. They instead closed my account without my permission.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-09
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX