davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One 360 checking has issues with debiting account. I moved money from one account into the checking prior to transaction yesterday. I woke up this morning to a negative balance even though there was enough money in checking account and I made no other transactions. The current balance states I should have way more money in the account that what is being displayed. This has been an ongoing issue since i recently opened this account. It seems as though they are double debiting the account. I have night deposit fees from a hotel that have not been refunded. I left the hotel almost 2 weeks ago.
Consumer complaint received 2018-06-08
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I want through a tough divorce in XX/XX/XXXX and lost my job in XX/XX/XXXXand had to start over. I went through some great financial hardship and 2 of my accounts one with capital one and another one with XXXX XXXX credit cards went into collection. Once I got back on my feet I made settlements and paid both accounts based on the settlements with the company. After multiple attempts of good faith and currently being a card member with capital one, it is still showing in my credit report and making it nearly impossible for my score to increase to good credit. I have disputed multiple times with the credit bureaus and have contacted capital one and XXXX XXXX directly for a resolution to no avail. Yes I made a mistake and should have called during the hardship but its been since 3 or 4 years now and I have paid my dues and just trying to improve my life and credit. Please help me get a second chance. Thank you very much.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Continuous harassment by Portfolio Recovery Associates. I informed agent XXXX that this is an extremely fleshed-out issue, for which I have been contacted tens and tens of times. I have warned the company about a CFPB complaint, but they do not listen. 

This is not my debt. My debt was paid off. The card was charged off years and years ago. When asking for proof and verification, they can not provide it. 

This is illegal and wrong.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/2021 we refinanced a mortgage with Huntington Bank. Both the first and refinanced mortgage are with Huntington Bank. The new mortgage has {$180000.00} to pay off the first mortgage of {$180000.00}. Which means Huntington Bank owes me the difference, which is {$1400.00} I have been in communication with the Bank. But I feel like I am just getting the runaround with delay after delay.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when XXXX XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OH)

On XXXX, 2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-12
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. (KY)

I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/2020, XXXX  is reporting an opened date of XX/XX/2020, Equifax is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX XXXX and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-05-01
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. (AL)

This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
All accounts listed above are resulting from the identity theft that should be blocked.
Consumer complaint received 2021-08-31
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc. (WI)

I am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with XXXX XXXX. XXXX XXXX would clear the incorrect information only to have Happy Money report it again within 30 days. This month they are now reporting incorrect payment history to XXXX. 
When I was a Happy Money customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company onXX/XX/XXXXfor resolution.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I had a business account with Chase Bank for 6 years. The risk department at Chase Bank froze my account and closed it. When they closed the account I had an ending balance of {$1500.00}. They told me that this amount will be mailed to me in 30 days. I never received the check so i gave them a call about it after about a month. When i spoke to someone the first thing they told me that it was mailed but they did n't have a check that was cashed then they went on to tell me that there was a balance but they were holding it just in case any checks were returned. i called back in 6 months and they told me the same thing. They refused to give me the {$1500.00}. I called again today ( XX/XX/2017 ) and they still refused to mail me the balance of {$1500.00}. it has been 13 months now and they still will not return my balance of {$1500.00}. If a check was going to be returned it would have by now. It does not take 13 months. I need ending balance returned.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

My Chase United Mileage Plus credit card statement for XX/XX/XXXX, copy attached, shows a credit balance of {$10000.00}. There are 174 credit items listed. The XX/XX/XXXX item for {$3600.00} is the payment on my previous statement. Six items, for {$0.00}, {$99.00}, {$98.00}, {$89.00}, {$5.00}, and {$1.00} were previously identified to Chase as fraudulent. The last three credit items, for {$19.00}, {$14.00} and {$14.00} are correct credit items. The remaining 164 items are erroneous reversals of credit transactions I have previously paid for on my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements. 

I notified Chase on XX/XX/XXXX of the serious error on my account and that it was going to cause serious repercussions on my credit standing. My dentist 's office called me to advise that {$700.00} I had previously paid on my account had been withdrawn from her bank account by Chase. I received a call from XXXX XXXX XXXX XXXX regarding my account. I advised the caller that my account, which I had closed, had been paid in full. The XX/XX/XXXX Chase statement show that four XXXX XXXX XXXX items totaling {$910.00} had been withdrawn from their account. Today, XX/XX/XXXX, I received a call from a collection agency regarding money I owed XXXX XXXX XXXX XXXX. 

I have contacted Chase weekly since my initial call. I have spoken to representatives in their Fraud and Recovery departments. The first Fraud person I spoke with told me all the items were fraud. The Recovery person told me my account would be corrected in a week. Subsequent calls all received unsatisfactory response. 

My credit rating has already been reduced substantially.
Consumer complaint received 2021-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want them to be remove from my credit report asap. 
1.  Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

5. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (DE)

I have sent to this company, 3 times in 3 different ways to request a " Goodwill Adjustment ''. 
1. Sent to Alliance Data, CEO XXXX XXXX ( manages Comenity Bank 's data ) via email 2. Sent in " secure message '' on the XXXX XXXX website XXXX XXXX is serviced by Comenity Bank 3. Sent to XXXX XXXX XXXX, CEO of XXXX XXXX. 
4. Replied to XXXX XXXX, Compliance Dept at Alliance I believe - she responded to XXXX XXXX 's letter. 

There are 2 late markers on my credit report from Comenity bank XXXX XXXX. I have asked - no begged for a " goodwill adjustment '' to have them removed, bc it was really due to no fault of mine. It was a Postal service error that caused the lateness. They are are refusing to help me out. I'm not even sure they've really read my letters bc some of the responses make no sense in reply to my letters. I really shouldn't have to be punished for a Post Office mistake ( please see attached letter ( s ). The letters that are not uploaded are the ones that I sent in secure message on the XXXX XXXX website and to Alliance Data via email. With all that's happening in this world today I don't understand why they can't be a little more empathetic for ONLY 2 late markers. 

Btw. In 2014 I had 9 late markers due to divorce and household income decrease with XXXX XXXX much larger company ). I sent them the same request and they removed all nine late markers. Why is Comenity being so stubborn for just 2?
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

Issue # 1-Freedom Mortgage-I have always mailed my payments on the XXXXarrive by XXXX..In XXXX the same thing, mailed on XXXX..I went online and saw that it never was applied, on XXXX XXXX I paid online plus the late charge. They eventually found the lost payment and applied it too my account on XX/XX/XXXX. would like to get reimbursed for late charge. 
Issue # 2-XXXX I mailed in {$1500.00}, normal payments $ XXXX.They cashed on XX/XX/XXXX. 
I have made 3+ phone calls to customer service/supervisors, plus emails. Not one could show me it was applied and an extra {$310.00} applied to Principal..They just said I will send you the account history going back to XX/XX/XXXX which I have enclosed. I called back to customer service, and mentioned that I am all good until XXXX XXXX. But after you sent account history and all your addition and subtractions to my account, I don't see the {$1500.00} applied, and I only see 1 full payment applied since XX/XX/XXXX ( when you subtract everything out ) and I have made 4 full payments..After an hour she could not figure it out, went to a supervisor, we got cut off after waiting 15+ min. I called back talked to another person which I didn't want to explain for another hour, told the other lady to please call me back, and she never did. Very frustrating and here is where we are!
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is continuing to report fraudulent information to credit bureaus stating that i ( XXXX XXXX ) owe them {$1000.00} for a collection account in which the original creditor Continental Finance Company LLC Assignee of XXXX. After i sent in request them to validate the debt with verifiable and accurate completeness by send me the contract bearing my signature as proof that the account belongs to me. I also made them aware that i am a victim of identity theft and fraud. I sent a copy of the police report as proof of my identity being stolen. they responded by mailing me a letter with just account details such as amount and account number. they failed to validate any debt claimed to belong to me. There was no signed signature bearing my name. I contacted them after receiving the letter and made them aware that they failed to properly validate the debt. They refused to delete the fraudulent account.
Consumer complaint received 2021-07-06
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. (PA)

There are 2 inquiries on my TransUnion credit report that I DID NOT AUTHORIZE and needs to be DELETED IMMEDIATELY. 
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I did not authorize these 2 inquiries and I am requesting that they be deleted from my TransUnion credit file. If TransUnion finds that I am remiss, I would like to request that they send me ALL documentation substantiating that these inquiries are mine. I have filed an Identity Theft Statement and TransUnion still did not remove them.
Consumer complaint received 2022-03-31
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. (PA)

In XX/XX/XXXX, I entered into a lease with XXXX XXXX regarding a new vehicle. The terms of the lease were for 39 months. I paid the lease off completely and returned the vehicle to XXXX XXXX XXXX and XXXX XXXX in XX/XX/XXXX. I talked to the sales manager at XXXX XXXX XXXX and told him that I was turning in a leased vehicle. He went out and he looked at the vehicle and said the vehicle was in excellent shape. I asked him if I needed paperwork to that affect. He stated that I did not need any paperwork and I was " good to go. '' The vehicle was in perfect condition when it was turned in and that was acknowledged by the dealership. Months later XXXX XXXX claimed the auto was damaged. I told XXXX XXXXl that that was not the case, and the vehicles was turned in in perfect condition. It was at that time the XXXX XXXX try to get {$2600.00} from me. I told them that I did not any money and they would not give me any information regarding the " damages '' to the vehicle. 

In XX/XX/XXXX I attempted to get a line of credit for XXXX XXXX my businesses and was turned down with my bank, XXXX XXXX XXXX XXXX XXXX, because of a poor credit rating. I obtained my credit report and it showed that XXXX XXXX charged off my account in XX/XX/XXXX. 

I sent dispute letters to all XXXX credit reporting agencies and XXXX we returned back that the company reported information was accurate. XXXX did no further investigation and did not receive any information or my side of the story. The other XXXX reporting agencies never responded. 

I obtained my credit report from XXXX and it shows the charge-off of XX/XX/XXXX. I attempted to call XXXX XXXX XXXX to find out information regarding this charge-off and I was told that they do not give out invoices and they will not submit any information regarding why they charged off this vehicle, considering that the vehicle was completely paid as per the terms.I contacted XXXX XXXX this week and received a letter regarding this account and was advised that I owe {$2600.00}. Again XXXX XXXX XXXX would not give me a detailed itemized list of these charges. This vehicle was in perfect condition when I turned this vehicle into XXXX XXXX XXXX. In addition there was no litigation ever filed against me from XXXX XXXXXXXX XXXXl for the {$2600.00}. 

The XXXX credit bureaus did not do their due diligence to actually truly investigate this claim made by XXXX XXXXXXXX XXXX. At no time was I given the opportunity to explain my side to the credit bureaus.
Consumer complaint received 2018-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I signed up for a loan due to a financial emergency. I was unaware of the 65 % interest. Which is a predatory loan if im mistaken. This loan was taken last summer. Ive paid XXXX a month for a year and still have a balance of of almost the entire loan still.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Charge-off {$770.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00}