davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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: U.S. BANCORP (NC)

Elan Financial Services, I have contacted them directly spoke with XXXX XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX XXXX XXXX. I have disputed this many times as well as to credit bureau. XXXX XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with XXXX XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. 

XXXXXXXX XXXX XXXX XXXX - I have no clue what this account is and it was written off as bad debt. I have tried to contact the XXXX number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. 


XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. Judge ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. 

XXXX  - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the XXXX number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my account.
Consumer complaint received 2020-09-07
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. (CA)

XX/XX/2020 they received and acknowledged my dispute to XXXX   XXXX & Equifax  and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX XXXX  {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX XXXX {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX XXXX  I want my payment history updated to paid on time for XXXX XXXX {$9300.00}
Consumer complaint received 2018-08-08
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. (TX)

I have submitted information and spoke to managers @ Equifax and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

I closed the above Credit Card accounts with US Bank a few years ago. They have held the balance of my funds in one or more of those closed accounts plus interest to date and have refused to refund my money to me. I am aware of {$3.00} in one account alone in which they mailed me a check then stopped payment on it causing me 5x the amount in bank fees by my new and current bank that the check was deposited into. I believe this was done intentionally and maliciously in retaliation for my filing a complaint against them in the past.

I received a letter dated XX/XX/XXXX from US Bank followed by a check in the amount of 13 cents re : interest and/or fee adjustments on dispute or fraud claims I filed against them with the past 8 yrs. This was only for the account ending in XXXX ( see attached. ) I WAS NEVER PROVIDED ANY INTEREST/FEE ADJUSTMENTS ON MY OTHER US BANK CHECKING ACCOUNT.

THIS IS UNRELATED TO MY CREDIT BALANCE IN ANY AND ALL OF MY CLOSED ACCOUNTS.

XX/XX/XXXX I phoned US Bank Cardmember services. I spoke with the representative who transferred me to her Supervisor XXXX. I had to go over the story twice, asking that they refund me any and all funds I have in any and all of the three closed credit card accounts with them.

He claimed they had issued me a check on XX/XX/XXXX and despite the fact US BANK stopped payment on the check and it was returned to them ( causing me 5x the amount in bank fees! ) whereby I NEVER RECEIVED MY MONEY, he stated US Bank had deposited my money into my other closed credit card account and he refused to refund my money! He also refused to provide me with his Supervisors name and refused to allow me to speak with his Supervisor. I spent 41 minutes on the phone only to be run in circles.

I am a senior citizen. US Bank should be forced to turn over my money to me plus interest and be penalized by their governing agency for THEFT. Thank you.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

1. Citi bank closed my credit card without notice on XX/XX/2018 2. Citi bank claimed that they closed my account base on the way i made payment after I submit the complaint. 

I am sure I made payment on time 99.5 percent of time. The reason citibank told me was an excuse. Please provided me all my bad payment history and also pay me back {$81.00} Costco rewards.
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I have had a personal account with Citizens Bank for many years and a year ago opened a business account for my XXXX XXXX. Subsequently applied for a XXXX loan on XXXX of this year and it was completely mishandled. I called about XXXX times since then, was told at one point it was approved and was just waiting on funding information. When I didn't receive anything, I called again and was told whoever I spoke to informed me incorrectly. That's a BIG mistake to make. After waiting two months from my initial application date, I was finally informed on XX/XX/XXXX it was denied, and that it never actually made it to the XXXX, which I was also misinformed of XXXX I was told on one call it was with the XXXX XXXX. Why it took bank XXXX two months to deny my application, why customer service reps couldn't provide consistent or accurate information, and why my app was denied when I have been self-employed in my current business since XX/XX/XXXX and am eligible under XXXX guidelines, I have no idea, but I am extraordinarily unhappy with how I have been jerked around and misinformed as a female XXXX XXXX XXXX. This round of XXXX was supposed to provide additional opportunities for someone like myself and it has done anything but. Furthermore, due to the delay, loan funds have been depleted and I am unable to apply somewhere else. No one I have spoken to thus far, including the branch where I opened my account, has seemed overly concerned with my situation. I was told that the only group that could assist me with the loan was " XXXX XXXX, '' which was reachable only via email and not phone. I emailed " XXXX XXXX '' a week ago and have not received a response. I was told by the branch where I opened my account that they don't have access to XXXX info and could not help me. How can a lending institution operate with this lack of transparency?
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (GA)

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I have been trying to resolve this issue since getting notice that it was on my credit file. An account from XXXX XXXX for over {$2000.00} is in my name. Now I have never had a XXXX XXXX account Ive been with T-Mobile for well over 7+ years. I notified Jefferson Capital systems to send me the deb collection in writing so I could take the proper steps in getting it removed. The account used my personal information but has an incorrect address. After telling that to the debt collector they told me there was nothing they could do and offered me a {$840.00} settlement amount to remove it from my credit file. I then pulled my entire credit file to find numerous incorrect addresses spellings of my name and also 2-3 filings from the same company in different amounts. I have already gone thru XXXX XXXX in terms of a dispute in the past but everytime it comes off Jefferson Capital just files another collection for the same bill. I would like to have this fraudulent account removed from my credit file. The only address that should be listed is the XXXX XXXX XXXX address. Any other address shown is incorrect.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (CA)

I've been dealing with this situation since XXXX. I had an issue with credit card company that was compromised by a hacker trying to take our information. Tried numerous times to work through the company 's automated system to get to a live person, but it was exasperating and time consuming. Initially, I was able to dispute numerous charges on our card, and the service was good. A local rep of the company, a different division, was able to verify the checking, savings and investment accounts that were opened in our name were cancelled. A truly frustrating thing is that one division is unable to contact another division and help work through concerns ; calls had to be made to the banking institution and separately to the investment division. After that I was able to cancel the credit card on XXXX. Today I was notified that there is a balance on the card. I wanted to verify the charges were mine. I phoned four times and was cut off or hung up on each time. I finally was connected to someone who was able to verify the information. We were disconnected ( the service rep could not hear me but I could hear her ). She hung up because she couldn't talk to me. We were discussing how the balance would be paid. 
. 
I feel the service of this company needs to be improved. It's much too frustrating to work with a company that makes it so difficult to communicate concerns. 
.
Consumer complaint received 2019-08-13
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. (TX)

XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$10000.00} to Experian on XXXX XXXX XXXX partial account number XXXX. ( Please see page 13 of the attached credit report. ) We were waiting to receive our first bill so that we could contact the billing department directly to make payment arrangements, however we never received a billing statement from XXXX XXXX XXXX and consequently this account has since gone to collections and it never should have. This incorrect reporting is harming my credit score and this line item needs to be deleted. I have contacted the bureau to fix this, however I have not been successful.
Consumer complaint received 2021-12-02
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: Experian Information Solutions Inc. (NY)

I have been working on my credit for almost a year and have been sending disputes to experian, XXXX, and XXXX since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have experian delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have experian, XXXX, and XXXX remove the following incorrect XXXX from my credit reports : XXXX BANK, XXXX XXXX BANK, 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 2020-07-06
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. (CA)

I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed immediately.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My wife and I have a joint checking account with Bank of America. My wife and her son also have a joint checking account with Bank of America. These two accounts are separate accounts. My wife 's son has been mishandling their account and it was overdrawn. On XX/XX/2018 Bank of America transferred {$1600.00} from my account to cover the overdraft on their account. Bank of America did not get any authorization from me or my wife to make that transfer. I spoke to a teller at the XXXX XXXX, NJ branch and she said that Bank of America could do this because the accounts were related.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

XXXX. Improper notice that I changed to a new address. 
XXXX. This affected my credit scores from all three companies. 
XXXX. Once corrected information was deleted by experiean, they did not put back the XXXX points that my score went down because of the error reported new address. 
XXXX. I have made repeated attempts to talk to someone at experian but just keep getting voice prompts. 
XXXX. There isn't any way I can state in writing or otherwise to get my credit score back to where it was.
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have reached out to all credit bureaus and mailed them all the necessary paperwork in addition I have added screenshots to prove the inconsistencies. Please remove these per US law.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

During COVID there was a lack of communication to address this debt. I never received notification that a potential writ of execution was going to take place which left me no opportunity to try and arrange for payment. With this said even making several calls, leaving messages, offering a reduced amount, staying on permanent holds, and emailing I dont get a response anyway. Its almost as if this firm purposely ignores you to make the situation more complicated.
Consumer complaint received 2018-07-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ross Financial Recovery Group (OK)

Today, XX/XX/2018 I was sent an email from the " director '' of Ross Financial Recovery Group. His email stated that I owe XXXX XXXX XXXXXXXX {$590.00}. I actually owe XXXX XXXX XXXX {$560.00}. The reason I know this is fake is because my address is wrong and so is my employer.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I have a 20 year conventional mortgage that is being serviced by PNC Mortgage. I wanted to make an extra, principal-only payment on my mortgage, of {$30000.00}. I logged in to my PNC Mortgage account, and found an option to make a payment. But, there was no option to make a principal-only payment. In the small print, it says " How is the Payment Amount applied to my mortgage? ". When I click on it, it says, " Funds received will be applied to principal, interest and escrow ( if applicable ), satisfying as many full monthly payments as possible. Additional funds received will be applied to outstanding fees and then to additional principal if your loan is current. '' I think this is completely wrong, that they do not give you an option to make a principal only payment, and that they automatically just make as many monthly payments as they are able to with the extra funds. This benefits the bank, and costs the consumer, because the consumer ends up paying much more in interest than they otherwise would. 

I suspect that most consumers do not realize the difference that making an extra payment, to PRINCIPAL ONLY, can make to their equity and how it reduces the interest over the life of the loan. 

I called PNC Mortgage to see if there was a way to make a principal only payment online, and I was told that there is not a way to do that. So, I ended up mailing a check, and wrote all over the check " PRINCIPAL ONLY '', so hopefully it is applied properly. It has not cleared yet.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I would like to update my previous address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX SPECIAL SERVICES DEPARTMENT ACCORDING TO FRAUD AGENT XXXX AT EXPERIAN SPECIAL SERVICES THE FRAUDULENT XXXX ACCOUNT IS NOT ELIGIBLE TO BE REMOVED WITH DOCUMENTS I SENT, THE FTC IDENTITY REPORT AND POLICE SHOWING THAT SOMEONE HAS ALREADY BEEN ARRESTED FOR THIS CRIME AND YOU CAN NOT REMOVE IT BECAUSE THE ACCOUNT AND DOCUMENT DOESNT MEET CRITERIA FOR IT TO BE BLOCKED. DOESNT MEET EXPERIANS INTERNAL CRITERIA TO BE BLOCKED. I ASKED WHAT INTERNAL CRITERIA IT DIDNT MEET AND WAS TOLD I COULD NOT BE TOLD THAT ITS AN INTERNAL REASON. EXPERIAN IS KEEPING FRAUDULENT ITEMS ON MY CREDIT AND VIOLATING FCRA WITHIN 30 CALENDAR DAYS IF THE CREDITOR HAS NOT RESPONDED THEN THE ACCOUNT SHOULD BE DELETED. ACCORDING TO XXXX. XXXX STATED ON THE XXXX OF THIS MONTH BEING XXXX  IT SHOULD BE DELETED IF XXXX DIRECTLY DOESNT RESPOND NOT A THIRD PARTY COMPANY. 
I called in XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that experian is refusing to block these fraudulent items because of their INTERNAL policies which have nothing to do with the LAW. This is defamation and improper use of my credit report. This is a violation of the Federal Trade Commissions policies and legalities. Block and delete this account permanently from my credit report. Abide by the law and FTC requirements and Sec 604 and 609 of the FCRA