davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My husband, died in XX/XX/XXXX. He had some of his retirement savings in a CD with Capital One 360, I contacted them in XX/XX/XXXX and asked to have the account closed and the money sent to me. I included Death Certificate, Letter of Administration from State of Maryland and a letter of Instruction from me asking to have the money sent to my home address. 

I have contracted them at least 10 times ... Always a Representative says you should have the money in 10 days, or it's " under review ''. It is now XX/XX/XXXX ... .I don't know what to do ... .I need help
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (KS)

I purchased a new truck on XX/XX/2017. The truck was in XXXX XXXX, MO. I live in XXXX XXXXXXXX. All transactions where completed with documents sent back and forth via XXXX. The dealer purchased my trade-in sight unseen. Once I had signed the contract the dealer didn't like the final results and there was conflict. The dealer didn't want my trade-in once he saw it. The dealer quit communicating with me. 

Apparently a loan payment was missed. Once I was aware that a payment had been missed. I set up automatic payments online and all payments have been made as agreed to. 

I asked GM Financial to remove the late payment from my credit report due to the conflict with the dealership and the lack of communication. GM Financial has refused. I believe that GM Financial is acting in an unreasonable manner and I request that the late payment be removed from my credit report.
Consumer complaint received 2018-03-06
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. (OH)

I am about to retire and can't open an on-line account with Social Security. The reason is the security questions are based on info supplied by I believe XXXX. None of the info is mine. I thought is was Equifax and notified them. I got a confirmation number XXXX. But nothing was done. Tried many times submitting on-line. Nothing. Tried same with Equifax. Did get an email through and they gave me a case number on XXXX. Despite many online attempts nothing. I wrote you but think it didn't go through as site was acting up. I have no retail card or other charge cards. I have no auto loan. I have no student loan. I have no mortgage or refi on home. Both agencies report I have all of aforesaid. I am embarrassed to say but I was receiving food assistant from government for some that the period. I just want them to correct info in file and relay to XXXX. In addition my home insurance is slightly higher as they use this incorrect info too.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (MI)

I had a debit card transaction on XX/XX/XXXX that posted on XX/XX/XXXX that I am disputing for {$290.00}. This was for a service I never received, but SunTrust is not issuing a provisional credit after 10 business days. I have contacted SunTrust twice about this. First time they said after 10 business days they would issue a provisional credit. Today they are stating that they do not issue provisional credits.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (ME)

I purchased my home in XX/XX/XXXX and after a couple/few months, my mortgage was sold to Lakeview Loan Servicing. In XX/XX/XXXX, I mailed my mortgage payment ( a check in the amount of {$1000.00} ).  Nearing the end of the month, the check had not been cashed and the mortgage company claimed they never received it. I then had XXXX XXXX XXXX  complete a " stop payment '' on the missing check, and I proceeded to make ANOTHER payment, online. On XX/XX/XXXX, {$1000.00} was taken from my bank account to pay my XXXX mortgage payment.. Fast-forward to XX/XX/XXXX, I received a letter stating that my XXXX check, in the amount of {$1000.00} was returned as " no sufficient funds. '' I called my mortgage and explained to them that I put a " stop payment '' on the account, because the check was missing and if I made another payment and the check re-surfaced, the check would bounce. I spoke to my mortgage company SEVERAL times in the month of XXXX and was told that the issue had been resolved, and my next mortgage payment would be due on XXXX. On XX/XX/XXXX, I made my XXXX mortgage payment online ( the funds came out of my account on the XXXX ). Starting XX/XX/XXXX, I began receiving robo-calls from Lakeview. I returned their call and was told that it was a courtesy reminder for my XXXX loan payment. I explained that I paid my mortgage, and that the funds came out of my account on the XXXX. Lakeview then tried to tell me that on the XXXX, there was a " reversal '' for " insufficient funds. '' I informed them that that was an ERROR, because the money came out of my account ( there was still money in my account ) and NEVER went back in. On XX/XX/XXXX, I contacted XXXX XXXX XXXX for proof ( statement with tracking number ) of my XX/XX/XXXX payment - this informed was sent to the mortgage company. On XX/XX/XXXX, I received an email from Lakeview stating that indeed, they did receive my XXXX payment, however, they used the payment to pay my " missed '' payment in XX/XX/XXXX .... As of XX/XX/XXXX, I am having to provide proof AGAIN, that my mortgage payment for XX/XX/XXXX was indeed made.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I contacted XXXX XXXX in XXXX both via phone and email to discuss an erroneous 60 day delinquency report on my credit bureau. I was alerted when my Fico Score dropped over 120 points by XXXX XXXX. I have made numerous attempts to get this resolved with XXXX XXXX but they continue to refuse to correct this error. I pulled copies of all three bureaus and XXXX XXXX went from reporting my account as current in XX/XX/2018 to 60 days delinquent in XX/XX/2018. 

I believe I know the trigger event. On XX/XX/18 I made an online payment for the total account balance. I did not login the following month as I had not made any purchases and had paid my account in full on XX/XX/18, the account showed a zero balance after the payment was made. The account cycle date was XX/XX/18 the statement with the XX/XX/18 does not show the payment I made on XXXX, it is reflected on the XX/XX/18 statement with an XX/XX/18 payment effective date. Although my statement from XX/XX/18 does not reflect my payment it does show a finance charge of {$4.00} which was not on the account when I logged in and paid it earlier in the day, again when I completed my payment my account showed a zero balance. I did not check my account in XXXX I knew I had not made any purchases. During one of the conversation I had with a XXXX XXXX employee she said if had waited until XXXX to make my payment this would never have happened. 

I sent a certified letter requesting the correction to their office in XXXX, OH and received the same response, that there was no error in the reporting. 

I take my credit very seriously and work in banking. This Fico score error is detrimental to my employment abilities not to mention my access to credit.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CFM Group LLC (AL)

I was contacted late last week about a supposed debt I owed on behalf of my company. Never received any documentation or correspondence prior to this debt collector calling the business. Since I had switched banks, it seemed plausible that it may be correct. I have him my email address and told him to email me evidence of what he was saying. In the email he sent with evidence, he said I have 4 days to pay this amount in full before it goes to the credit bureaus as a collection. Thats giving me 1 week to make the payment in full. A payment that I havent even verified I owe yet. 

This seems ridiculous and like a strong arm tactic to try to get someone to pay something they may not even owe. Obviously, if I owe the debt Ill pay it. But not within such a short period. Please advise.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MA)

Ive seeked a Debt Management company for help paying off my Discover Credit Card. I was charged very high interest even after being accepted into the debt manangement program. I reached out to XXXX XXXX XXXX about this, but havent been helped. Im currently supporting my XXXX father and undergoing financial hardships. I am paying for my college loans as well which is making it hard to pay these debts in full. Id like to get help with the high interest fees Ive been paying.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

To assist you with filing a complaint regarding the inaccuracies in your credit report and the handling of your dispute by the credit bureau, I'll draft a letter that you can use. This letter will reference the relevant U.S. Code ( 15 USC 1681i ) which outlines the responsibilities of credit reporting agencies to conduct a reasonable reinvestigation upon dispute To Whom It May Concern, I am writing to express my dissatisfaction with the handling of my recent dispute, filed on XX/XX/XXXX, regarding inaccuracies in my credit report, specifically related to the XXXX XXXX account ( account number : XXXX ). Despite providing necessary documentation and utilizing certified mail ( tracking number : XXXX ) to ensure the delivery of my dispute letter, the inaccuracies remain unaddressed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are mandated to conduct a " reasonable reinvestigation '' to determine whether the disputed information is inaccurate and to correct or delete any inaccuracies within a specific timeframe. The failure to perform such an investigation not only undermines my financial integrity but also violates my rights under the FCRA. 

Given the gravity of this matter and its potential impact on my financial health, I urge Experian to undertake a thorough and expedient reinvestigation of the disputed account. I expect the inaccuracies to be corrected, including any information that can not be verified as accurate, and to receive a written confirmation of these corrections. 

Please be aware that I am prepared to take further action, including seeking legal remedies, should there be continued non-compliance with the FCRA requirements. I trust that it will not come to this and that Experian will act promptly to rectify this situation. 

I look forward to your prompt response and a resolution to this matter. Please update me with any progress or additional information required from my end. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (NC)

I.Q. Data International , Inc. is an unethical -- -at best -- debt collection agency that uses inappropriate tactics to attempt to berate consumers into repaying debts. With that, I have dealt with several members of this team over the course of XXXX years in an attempt to resolve a debt due to some unfortunate life circumstances. In each encounter, I was greeted by a XXXX representative who belittled or attempted to remind me of what a " XXXX XXXX XXXX' I was for having the debt in the first place. In this most recent incident, I called in an attempt to once and for all find resolution. I called the number listed on the document from previous failed attempts. The manager -- XXXX XXXX -- is a great salesman and attempted to sell me my debt very well by making statements that were at best vague and not factual, nor legally binding in any way, and used verbiage that insinuated they were laws that were not. Further, when I did not go along with his narrative he seemed to become agitated and told me I was becoming combative and it was my fault that I was in this position in the first place and he was doing me a favor. After some negotiating, he stated that we had been on the phone for 30 minutes and asked had I had come to a decision, and if not we were done with the call. I said I wanted to see if there were any other options but if he needed to go I understood. He then quickly dismissed me, said I was refusing to pay, and hung up. I called back and asked to speak to a higher-up manager. I was connected to XXXX XXXX -- Director of Operations -- in which case she very defensively told me she was already aware of the call, apologized for his inappropriate behavior, told me he would be disciplined, and then proceed to tell me why he shouldn't have offered me a deal in the first place and continued to berate me just as XXXX had done. I attempted to explain to XXXX XXXX that my strife was not with her, but that I felt the tactics were unprofessional and inappropriate. She proceed to get louder and tell me that I was being combative and she was a single mother. This company uses scare tactics, threats, belittling, verbal assault, and condescending behaviors to attempt debt collection. I ended the call by allowing XXXX XXXX to finish her passionate speech about why I should get no grace for my owed debt, thanked her for her time, said I would try again another time, told her that she worked for an unscrupulous  company and to have a good night.
Consumer complaint received 2018-02-15
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: NAVY FEDERAL CREDIT UNION (CA)

Began disputing these accounts as in violation of the provisions of the FCRA and the FDCPA in XX/XX/2017. 

Navy Federal Credit Union ( Settled Account ( s ) ) XXXX XXXX XXXX ( Settled Account ( s ) )
Consumer complaint received 2019-03-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX, Resolution POA Specialist, XXXX, extension XXXX, has blocked the account and refuses to allow the member or the Power of Attorney Representative to withdraw any of the funds or transfer the funds. She wants the account closed and the funds to be paid to her. 

She has responded to the XXXX XXXX XXXX that the member may close the account over the phone or in writing but refuses to transfer the funds to another account, release the Power of Attorney. 

XXXX serving XXXX XXXX DC XXXX XXXX Pennsylvania Print To : XXXX XXXX XXXX Subject : Message received from the business about your complaint This message originally read on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : Complaint ID XXXX ; Navy Federal Credit Union Dear XXXX XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days. 

The text of your complaint may be publicly posted on XXXX Web site ( XXXX reserves the right to not post in accordance with XXXX policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language. 

Sincerely, XXXX XXXX Dispute Resolution Analyst XXXX Phone : XXXX MESSAGE FROM BUSINESS : This is in reference to the follow-up complaint we received on XXXX XX/XX/2019 from the XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX. The complaint was originally assigned an ID number of XXXX. 



We have reviewed XXXX XXXX concerns. Navy Federal reserves the right to decline a Power of Attorney ( POA ) if the document does not meet our standards. Should the Principal choose to close her Navy Federal accounts, she may submit her request in writing if she is unable to do so by visiting a branch or contacting us by telephone. 

If XXXX XXXX has any questions, she may contact XXXX XXXX, XXXX XXXX XXXX, at XXXX, extension XXXX, between XXXX XXXX. and XXXX XXXX., Central time, Monday through Friday.
Consumer complaint received 2018-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX pulled a credit report on me. This apparently happened during a separate incident involving a bank and another mobile provider. XXXX refuses to disclose to me the circumstances, timing, or purpose of the credit report.
Consumer complaint received 2021-12-01
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: DISCOVER BANK (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

Identity Theft XXXX Account Number : XXXX This is not mine XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

. DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

. XXXX XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccurate information about a charge off account from XXXX XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed from my credit report immediately
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (NY)

I contracted with the GENESIS FS CARD SERVICES for a credit card AND UNBEKNOWNST TO ME I was not given full disclosure which is a violation of Regulation Z of the TILA ( TRUTH IN LENDING ACT ). I authorized permission to representatives of the company to discharge the total amount of the debt in full pursuant to HJR 192 and Public Law 73-10 and was not given proper remedy.
Consumer complaint received 2022-05-01
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. (NV)

The credit bureaus stated XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 was properly investigated, but how is that possible if the open date is inaccurate. The date last is inaccurate and date reported is not accurate. This is ground for removal. They also have violated my rights under 15 U.S.C. 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts permission to furnish these accounts on my credit report.