davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

OnXX/XX/2019 I came to a settlement with capital one for my credit card. The amount requested was {$5500.00} and I settled for {$3900.00}. I was advised via verbal communication and via letter that this account would be settled in full and I have satisfied the claim. The balance was reported to the credit bureau as me still owing {$1600.00}. I contacted capital one around the beginning of XXXX about the balance they are reporting and was advised that this would be updated on XX/XX/19 as settled in full. I received a new report on XX/XX/19 that showed Capital One reporting an increase to the amount. The new balance showed {$1700.00}. The report is still showing I owe a balance. I contacted capital one again and the representative I spoke to was not professional nor willing to understand nor help with the issue. The representative told me that is not how capital one works after I told her that when settling an account the balance should be {$0.00} unless they planned on collecting more, but being that they agreed to a settlement they cant do that. The representative continued to try to tell me what they were doing was not illegal and that was how they do it at capital one. She then tried to tell me my original balance was {$6000.00} and I only settled for {$2500.00}. When I told her I paid almost {$4000.00} she snickered so I snickered back to mock her when trying to explain again. She finally transferred me to a supervisor after threatening to hang up on me. The supervisor understood where I was coming from and submitted a request to another department to reflect my account at a 0 balance. The supervisor advised this department reports to the bureaus. I have submitted several disputes with the credit Bureau all of which they continue to not report this balance correctly. 

The statutory basis for the required update is FCRA 623 ( a ) ( 2 ), which imposes a duty on any furnisher to promptly update prior reporting so as to maintain its current accuracy. 

Once a debt has been paid to the satisfaction of the creditor, regardless of the amount they chose to accept as satisfaction of the debt, there is no more debt due to the OC, and no more debt subject to continued collection by a debt collector. Ergo, each must promptly update their respective reportings to {$0.00}.
Consumer complaint received 2017-04-25
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. (AZ)

I have attempted multiple times to get an invalid collection removed from   XXXX   and Transunion (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly billed (  XXXX  bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ... Transunion removed  XXXX  of the bills, but not the other. Both bills should be removed.   XXXX   has not removed them at all, and keep stating they are valid- which they are not.
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

I have a collection on my credit report from  XXXX . The original creditor is listed as  XXXX   XXXX   XXXX . This bill was paid by my insurance. I have never received a bill for this debt prior to it going to collections.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

There was an account that was in collections. this was paid in full on  XXXX . This item continues to remain as an open collection even though i have supplied info to equifax showing that this has been paid and needs to be adjusted and they continue to claim that they are " verifying the debt '' which is impossible as i have a letter that shows this incorrect
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime (NM)

In XXXX of 2022 I applied XXXX. for an auto loan which they pulled my credit report and sent me an email told me I was approved for A vehicle with about {$1500.00} down and about $ XXXX month. They pulled a credit report which affected my credit score in which I took time off of work to go in person and fill out the paperwork at the end I was denied. I just find it frustrating that they have guaranteed approval odds. After the credit report hurts your score and the time that you take out of your day to be in their location at the end they deny you after sending you a email and text message saying that you are approved.
Consumer complaint received 2024-03-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (SC)

This account was paid and settled and needs to be removed. The company updated the balance on my account inaccurately with the XXXX major credit bureaus. It shows i still owe {$440.00} and that is false. The email they sent me on XX/XX/2024 shows the receipt and current balance of my account. I resolved this account on XX/XX/2024. I called the company on XX/XX/2024 to get more information on when it will be updated correctly because I didnt believe the email that I received and the representative informed me that it WILL take 90 DAYS for it to cone off and thats unacceptable. They CAN NOT report inaccurate information on my consumer account and this needs to be resolved immediately!
Consumer complaint received 2022-09-07
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Consumer complaint received 2022-03-02
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: Guild Holdings Company (CA)

In XX/XX/2021 I gave permission to XXXX XXXX mortgage company to run my credit. XX/XX/XXXX a hard credit inquiry was done by XXXX XXXX mortgage company without my knowledge or permission. I called the company to complain and was told that my phone call would be returned. Over the phone I expressed how I did not give them permission to run my credit again.Because of my accusation I assumed they would not return my phone call and have yet to do so. Im currently working hard to fix my credit to buy a home but illegally obtained hard inquiries are hurting my credit and should not be allowed. 
Thank you for your time.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

My bank which is Wells Fargo RESTRICTS me from using my debit card outside of my area and out of state this is the first bank Ive ever been with that restricts there customers from using there debit card out of there area or out of state Ive been fighting with them for the last couple of months and have gotten no answers all Im being told its there card they own it and thats why they are doing it Yes they may own the card but they DO NOT OWN MY MONEY!!! Ive filed a complaint with the OCC and have not heard nothing from them so Im coming to you for help.. I am a XXXX XXXX and I cross all XXXX states I shouldnt have to be worrying about being able to use my card without being declined because Im out of XXXX. this is wrong!!! As fars as Im concerned its Harassment.. I feel like They are controlling where and when I spend my money again this is not right and as fars as Im concerned illegal .. They need to stop harassing me and stopping me from using my card where I want too they want me to do a travel plan and Ive told them its very difficult for me to do that considering what I do for work..
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

The lender has failed to provide a response to our QWR -Qualified Written Request that was submitted to them on  XXXX / XXXX / 1  7 - This is a Violation of RESPA guidelines and we are unable to provide our client with an adequate review and assistance to the ir delinquency with no response to the loan history being requested.
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: REGIONS FINANCIAL CORPORATION (FL)

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by REGIONS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Consumer complaint received 2016-08-25
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Nelson Cruz & Associates LLC (FL)

I received a threatening voice mail which I have recorded. 
This firm called me and stated they were the Law Firm of XXXX XXXX XXXX and that I missed a court appearance. 
I was very concerned as I have had financial problems in the past. 
I was told I was paying a judgment and it was a major discount. There were threats made to me if I did not comply.I have all of the paperwork to support this. 
I became very alarmed when I received a call and a letter from a firm stating that my account had been " recalled '' from Nelson Cruz and Associates and that my account was a simple collection matter. 
I was alerted that the payment made to this firm was not reported to them and they were shocked to see the evidence I had. 
I have read about this firm and have found nothing but negative statements and complaints. 
They are clearly a fraud and a scam. 
It is run by a man named XXXX XXXX that I have found out has been arrested XXXX.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

My  Wife add ed me to her   XXXX   XXXX   card Issued by  XXXX    XXXX   last month. The card came  in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX . )
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (MO)

I was notified by mail on XXXX at my current address that an account with CitiBank had been opened in my name and they were contacting me to confirm the information. Around the same time, my parents received account information in my name to their home mailing address. I have never lived at that address and my parents did not create the account. My mom gave me the account number and I followed-up with Citi. The account had been closed as a result of them being unable to identify my recent activity.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Back in XX/XX/XXXX, I received an email regarding upgrading my XXXX Honors American express card. The email said that if I upgraded today, I would receive XXXX XXXX honors bonus points if I spent {$1000.00} in the first three months. I clicked on the link to upgrade. I was taken to an American Express website stating the terms and conditions of the card. It would be an increase from my {$0.00} annual fee to a {$95.00} annual fee, but as I would be receiving XXXX bonus honors points to use for hotel stays, I thought it would be worth it. So I accepted the terms and was told I would receive my new card in the mail soon, which I did. I got working right away to meet the {$1000.00} obligation so I could get my bonus points, even though I wouldn't have usually spent that much on that card because I have other cards with better interest rates. I exceeded the {$1000.00} requirement, and patiently waited for my bonus points to appear in my account. After about a month I called to inquire as to where my bonus points were. I was told that the channel I used to upgrade my card didn't offer an upgrade incentive ( even though I used the link that they provided in the email they sent me advertising it ) but they could open a case if I wanted to dispute it. I did open a case. Over the next several months, I repeatedly called and each customer service representative looked up my case, telling me that the case was still being looked into and I would have to wait. Today, XX/XX/XXXX ( five months after I upgraded the card ) I called again and was told that the case had been marked closed with the same conclusion, that the channel that I'd used to upgrade did not offer the incentive. I told them that this was false advertising, because the whole reason I upgraded at all was for these points, and demanded a refund of my annual fee, which she obliged. She also offered XXXX points in compensation, which was the most she had the power to award anyone ( I have yet to receive these as of the time of writing this but hope they will go through ). Since false advertising is illegal, I believe they should award me the remaining XXXX XXXX honors points I was promised upon my upgrade.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America ch arged late fee for funds being below {$100.00} in  one  billing cycle. The bank charged those fees when account still had above {$100.00} . Seven instances where bank refunded fee. Only when called did the bank   refund the money and agreed there should n't have been a charge.
Consumer complaint received 2019-03-01
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for investigation of several accounts which Experian refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If they had investigated properly, rather than use your e-Oscar system, they would have known, that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXXXXXX XXXX 3. XXXX XXXX XXXX : Payment never late-XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I called Barclays card customer service to change my payment automatic payment method on  XXXX   XXXX    XXXX  . The reason I was changing my payment method was due to the fact my checking account was closed and changed to a different banking institution.     I was denied the ability to provide my payment information due to the fact of the tone of my voice. I feel appalled because I have a deeper voice then what the customer representative felt a  XXXX   XXXX   XXXX  female should sound like. I find this offensive and disrespectful.     I even asked for th e manager  who I spoke to  XXXX  and I was still denied. I verified all security questions and even additional security questions not normally asked.     -Last  4  social -Telephone number -Birth date -My husbands name I even offered my full social or mailing and property address.     This is very disrespectful especially when all I wanted to do was make sure the payment was paid on time. I am already having a hard time trying to make my payments and for them to make it more difficult for me is insane.     Being discriminated because I sound like a male? is that what this world has come to? what if I looked like a male in person or a female? Discrimination is a crime and I want this taken care of.     I was then asked to send in a copy of my ID and or utility bill to verify it was me. The funny thing is it was going to take  2 w eeks for them to verify me?     In my mind i was thinking how about my  XXXX  profile. Again Absurd I know however I am furious.     I want nothing to do with your company no longer. Especially since you are making it so difficult to make payments.     Charge off my balance!!! need I say more to discriminate someone by the sound of their voice is inhumane.
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PNC Bank N.A. (NJ)

PNC Bank was unable to execute the loan after issuing the loan documents. PNC Claimed that " the Internet is down '' as the reason for being unable to generate a check against the loan. After having the customer wait 3 1/2 hours in the branch, they generated the check, but set up the loan in the wrong amount. Now PNC is trying to reissue the loan and check and have the customer return to the bank to correct the amount- the error is {$0.00}. 

This bank is incompetent and unmanaged.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (UT)

I have reason to believe and do believe PNC Bank has been involved in many crimes against me and my property. They have committed securities fraud at least 3 times sending me fraudulent and different copies of a promissory note and deed of trust in the mail, they have committed mail and securities fraud, violated the Fair Debt Collections act, have refused to validate any debt exists, reporting false information to the credit bureaus that is also private information that they were not authorized to release, violation of RESPA charging fees not allowed as they were standard fees to be considered part of interest, violations of Tila and Reg Z. There violation of UCC 3-501 ( b ) ( 2 ) ( i ), UCC 3-501 ( b ) ( 2 ) ( ii ), UCC 3-501 ( b ) ( 2 ) ( iii ), Utah code 57-1-38 ( 3 ) . They are not Holder in Due Course of the note, they are in violation of public law 73-10, title 31 5118, title 18 XXXX. I have tried to resolve this with them administratively and they have refused and acquiesced. They have received registered mail numerous times since at least XX/XX/XXXX.
Consumer complaint received 2019-03-01
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: Experian Information Solutions Inc. (GA)

I'm reaching back out to you guys because they are a few items that are still on my credit that are not mine. Some items were removed however there are still things on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed,  XXXX XXXX, XXXX AND XXXX. There are also a couple of items that are on my report that dont even have a name just an account number. ( XXXX  XXXX and XXXX  )