davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX of 2022 my account was restricted and my account was sent over to review from Capital One Bank left my account null and inactive in duty showing imprisonment fines for unpaid fee of reversed mortgage from tax liens the IRS and suspended 3 accounts XXXX Capital One Bank and XXXX XXXX XXXX Also filed a XXXX  XXXX data breach bankruptcy with XXXX XXXX. So upon looking at the account we have a XXXX reversed mortgage hacked database that caused a XXXX  XXXX bankruptcy and want to contact the bank to make a claim of XXXX proof of claim affidavit from Capital One Bank that our account was ID stolen and sent our records to review to have us arrested. I ask to remove the restrictions and follow up with the claim with my bank account numbers.
Consumer complaint received 2021-09-08
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. (NC)

I have informed Equifax, XXXX and XXXX that they are all reporting my XXXX payments and dates differently. 
They have failed to accurately update the payment history. In accordance with FDCPA 807 violation- reporting inaccurate and misleading information has to be deleted immediately. Please have this removed.
Consumer complaint received 2021-02-04
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. (TX)

Pursuant to 15 U.S. code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subjects 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. 
I XXXX XXXX XXXX never gave Trans union LLC any written consent to report anything on my consumer, report. No consent is identity theft. Tracking # XXXX I contacted them via certified mail
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

A " bad check '' legal debt collection efforts - No phone calls and only one letter from collection agency indicating the proper debt. After 33 days another threatening letter directly from XXXX XXXX 's Attorney 's Check Enforcement Program threatening criminal charges and forced payment of excessive penalties and charges for a " Financial Training '' scam class - all to avoid prosecution for a single late paid " bad check '' debt. 
The " bad check debt '' of {$36.00} plus a penalty of {$50.00} was paid directly to the collection company in full settlement of the debt precisely 6 days from the date of the notice from the XXXX 's Attorney 's Office. No other liability exists other then to the " XXXX XXXX '' XXXX leveled against me by this collection agency. 
I find this entire matter reprehensible and the collection agencies methods to be totally out of bounds with regulatory authority. 
Further, I feel that without proper notice ( only XXXX correspondence letters received ) and disclosure - They have stepped out line and the agency is improperly using a state 's attorney 's office to both harass and penalize a " debtor '' over a collected and paid debt/mistake. 
I can supply all correspondence and copies of payments made should you require that detail. 
Lastly I think this collection agency is using the State 's Attorney 's office improperly and very likely illegally to collect a debt not within the authority of XXXX XXXX. In my opinion XXXX XXXX office is being played like a sucker and a chump by this collection agency.
Consumer complaint received 2023-01-27
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. (MI)

I have disputed properly using the us mail and uploading every id document ever requested. I have been ran into circles, stall tactics and dead ends. 
I am always connected to a XXXX XXXX XXXX agent that is unable to help me, this is ruining my life. I need help, these credit reporting agencies are unresponsive and unhelpful and violating my rights
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Per the CARES Act. The XXXX has announced that it will extend the moratorium until XX/XX/XXXX, XXXXCOVID-19 negatively affected me and could not pay rent. The company was informed.
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-27
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: CCS Financial Services, Inc. (GA)

On XX/XX/2023 the amount of the account by CCS COLLECTIONS is {$77.00} and I learned about this account through my credit report I contacted CCS COLLECTIONS on XX/XX/2023 and I was told to file a FTC complaint and fax in so I will fax in Today XX/XX/2023 by XXXX.
Consumer complaint received 2022-09-08
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)

I requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX Acct Number XXXX, XXXX  XXXX XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy.

Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2021-02-04
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: MS SERVICES LLC (MO)

After reviewing my credit report I notice several errors and I begin to dispute them with XXXX each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to XXXX requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - XXXX shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : XXXX XXXX XXXX they have the account opening date listed incorrectly. 
MS Collection Services- they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both XXXX and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX XXXX with several companies.
Consumer complaint received 2021-02-04
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. (FL)

There is an account that I paid and the collection agency agreed to remove XXXX / XXXX XXXX # XXXX your company has not removed and only updated the settlement payment which is NOT accurate and was NOT what was agreed upon. 

Please remove this remark ASAP
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, 2017 I sent a letter to Capital One/ Neiman Marcus  asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor Capital One/ Neiman Marcus is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (MA)

Capital link management contacted my aunt about a debt. Revealing the amount owed and the creditor to them. My aunt was never a part of the original transaction and her information was never on the account. I have attempted to reach out to the creditor and they wont answer their phone
Consumer complaint received 2021-02-04
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)

I had an XXXX loan for a XXXX that I put $ XXXX down and XXXX sold the vehicle and still reported a charged-off balance and never updated it ... I've disputed with the bureaus and only XXXX has corrected the mistake. I've made several attempts with XXXX and finally got them to send me something. I just want this account fixed. Someone told me that the credit bureaus get paid money from creditors to leave items open .... I did everything I was suppose to do. Thank you for helping and hearing me
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MD)

I initiated a call to the bank on XX/XX/XXXX to complain about the excessive interest ( XXXX % ) that has been charged since inception. The bank called and left message for me on XX/XX/XXXX and XX/XX/XXXX. I called back on XX/XX/XXXX and spoke with a manager at bank and was told nothing could be done regarding the interest rate. The average rate currently charged by credit card companies is XXXX % ; Barclay 's rate is XXXX % or XXXX % points higher than average rate. Barclay 's lending is predatory - they have extremely high interest rates coupled with extremely high credit limits. Virtually all cards now offer rewards so the fact that this is a reward card does not justify such a high interest rate. My current balance is {$34000.00} and most recent monthly interest charge was {$720.00}. The credit limit is {$42000.00}. I have been a cardholder since XXXX. The bank made absolutely no effort to address my issue other than allow me to talk to a manager.  They did not want to know specifics about my issues other than to tell me that the Bank isn't currently lowering rates.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

Factual data has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX XXXX name XXXX.
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc. (MO)

CENTRAL STATES RECOVERY C/O XXXX XXXX XXXX XXXX XXXXBOTH PARTIES WERE NOTIFIED/RECEIVED NOTICE ( HAVE CERTIFIED MAIL RECEIPTS ) IN XXXX OF THIS YEAR AND AGIN IN XX/XX/2021 TO CEAST AND DESIST COLLECTION ACTIONS FOR MEDICAL DEBTS BELONGING TO MY ADULT SON WITH WHOM I HAVE NO CONTACT. 

THEY HAVE BEEN GIVEN THE CORRECT NAME AND ADDRESS VIA PHONE SEVERAL TIMES AND HAVE REPEATEDLY SENT BILLS TO COLLECTIONS IN MY NAME IN SOCIAL FOR SERVICES I NEITHER RECEIVED NOR AM FINANCIALLY LIABLE FOR CAUSING HARM TO MY CREDIT WHILE I HAVE TO TAKE TIME TO DISPUTE. 

THIS IS NOW VERIFIABLE HARRASSMENT AND THE ENTITIES NEED TO HAVE ACTION TAKEN AGAINST THEM AS THEY ARE CAUSING DOCUMENTABLE HARM TO MY FINANCES AND WASTING MY TIME.
Consumer complaint received 2019-03-04
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. (PA)

XXXX  and Experian will not remove the hard inquiries on my credit report. I am a victim of identity theft, and I filed a police report last year in 2018 when my identity of compromised. I also, sent a federal trade commission affidavit to all three credit bureau to have my report corrected and remove fraudulent information from my report. I checked my credit report and found that some new hard inquiries are on my report that are fraudulent. To date, the only credit agency that has worked with me is XXXX. XXXX   requested information from me, and I sent in what was needed, and they did not removed the fraudulent information and follow the law for the FCRA section 605B.
Consumer complaint received 2017-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

Experian has ignored my requests for disputes of incorrect information on my credit report several times. I was sent a letter a few years ago after attempting to dispute inaccurate information on my report stating they wo n't respond to me because they did n't think the letter I sent came from me. I have tried disputing online and was denied for unknown reason. They 're currently reporting incorrect information on my credit report that they wo n't allow me to dispute, because of this I have been denied car loans.
Consumer complaint received 2015-04-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (CA)

A claim was submitted sometime ago and was recently completed. unfortunately the financial institute did not pay the total disputed amount. The disputed amount was for {$1900.00} and the financial institution only payed out {$1300.00}. The remaining dispute is XXXX. 

I do have a hard copy of a bank statement that states the disputed amount but i do not have an electronic copy.
Consumer complaint received 2021-09-08
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. (CA)

Hello my name is XXXX XXXX, I am reaching out because there is some accounts related to a bankruptcy? Showing on my credit report, I have never been involved in any bankruptcy, and this is due to me being a victim of identity theft. I have reached out to the three major bureaus informing them of this fraud on XX/XX/21 and they all claimed that this information was verified, but couldn't produce anything other than saying it was verified on their end. I have submitted the necessary FTC report and Identification that was requested from me in regards to getting these fraudulent items off of my credit report. I was involved in the XXXX data breach and also informed them of that and they said that means nothing.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I financed a car with XXXX XXXX for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and XXXX XXXX was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised XXXX that the insurance was in force and XXXX sent the case to their total loss unit. Because of Covid-19 all of the XXXX and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to XXXX. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for XXXX immediately file a proof of claim even though XXXX had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the XXXX remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX XXXX withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the XXXX Equifax, XXXX XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay XXXX the claim as a total loss, which was legal and binding because XXXX was an additional insured and therefore a direct beneficiary of the XXXXXXXX XXXX XXXX, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MS)

I mailed a check payment to the address that was on my statement which was Bloomingdale 's, XXXX XXXX XXXX, XXXX XXXX, MO XXXX on XX/XX/XXXX. I included the payment coupon from my statement with the check. I wrote my full account number on the check. The check was in the amount of {$1100.00}. I sent the check via certified mail. The check was delivered on XX/XX/XXXX and cashed XX/XX/XXXX. I have called Bloomingdale 's customer service several times about my payment to no avail. I faxed them a copy of the front and back of the check on XX/XX/XXXX. My payment has not been posted to my account.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

On my XX/XX/2019 Statement, the bank charged a " RETURN CHECK FEE '' of {$28.00}. 
There was NO such " RETURN CHECK ''. On XX/XX/2019, an electronic payment of {$25.00} was made in good faith from a XXXX XXXX XXXX  account, which unfortunately was SHUT DOWN BY XXXX XXXX XXXX AFTER THE PAYMENT WAS MADE, due to IDENTITY THEFT and FRAUD. I IMMEDIATELY opened a new bank account and made a SECOND payment to this credit card on XX/XX/2019, WITHIN THE PAYMENT TIME FRAME AND BEFORE THE DUE DATE. This payment WAS SUCCESSFUL, in the amount of {$480.00}. 

There is absolutely no reason to charge me a " RETURN CHECK FEE ''. 

On the same day, XX/XX/2019, at aprooximately XXXX EST I communicated electronically with bank associate " XXXX XXXX who stated that the fee would be removed if the originating bank sent a fax stating that " the funds were available on the date the payment was attempted ''. XXXX XXXX XXXX was contacted and this was sent. 

The fee was still not removed or reversed. 

On XX/XX/2019, I made a second communication attempt via fax, explained the situation again and demanded a fee reversal. This communication was not answered.
Consumer complaint received 2021-01-19
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: DISCOVER BANK (TN)

I have been fighting with Discover for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then Discover certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.