davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Late XX/XX/XXXX, my balance went over the credit limit. I specifically checked on the account page that I never wanted to be overdrafted so do not approve any purchases that overdraft my account. They did it any way, which is causing me score drop on credit report, as well as paying more interest due to having a higher balance. I spoke with customer service and she validated that she could see where I checked for no overdraft. Said I would have to file a dispute. It was their fault. It was capital one and now Im overdrawn XXXX. Although it was their mistake they wont do anything about it.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This company has put " fraud alerts on my account failed to share why requested the authorize users info not mines for verification, which was submitted they then called after confirming they received everything claiming they needed the authorized users that aren't on my account anymore but wont give information on what is going on with my account nor asking for my info to verify me. The representatives were very rude and unprofessional and highly unorganized to be giving piece by piece of information and calling asking for items that aren't needed this information should have been asked for at once. I have had and maintained this account for a while and this by far is the worst experience I have had and I am highly disappointed and will be filing complaints with cfpb, XXXX and my attorney general ask know feel that my rights have been violated, compromised and discriminated. I asked the alleged supervisor XXXX in the Fraud dept for information and she failed to give to me never once was my identity verified when giving information and I know all calls are recorded and on my end, I will be reaching out to my legal team if I don't get solidified information regarding my account and its security this has placed me and children and family at risk cause depend on the card for our necessities. this experience is by far unprofessional
Consumer complaint received 2020-04-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (CA)

NCB MANAGMENT SERVICES Last reported XX/XX/2020 {$4700.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor unfortunately this is the only Information shows on my credit report, don't show account number or a telephone number to call, I already dispute this with XXXX and XXXX it was no response from them please help me to resolve this thanks
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT XXXX DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX AND CANT MOVE ON WITH MY LIFE
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2020-07-21
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)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (PA)

I just recently received a notice from the FTC ( Federal Trade Commission ), dated XX/XX/XXXX, notifying me that AmeriTech Financial, a company that I used with the intention of getting a lower monthly payment on my loan, is being sued by the FTC for deceitful tactics. 

I am filing a complaint in regards to being a victim to these deceitful tactics that they are being accused of practicing. When AmeriTech Financial first reached out to me, they told me that, with the help of an act created by President Obama, I would be eligible for a $ 20 monthly payment for the life of the loan until it was forgiven, as long as I first made five monthly payments of {$160.00}, starting on XX/XX/XXXX and ending on XX/XX/XXXX. The way they worded it made it seem like these first five payments were going toward my loan and then my lower payments would be kicking in. AmeriTech failed to inform me, and other consumers, that the services they were charging for are things that can be done for free with the help of the Department of Education. What it boils down to is that AmeriTech used shady, deceitful tactics to make it appear that they were helping me, where in turn they were actually taking {$840.00} from me for a service that they knew was offered for free by a government program. 

After receiving the notice from the FTC, I reached out to AmeriTech on the phone to inquire about a refund, only to be hung up on twice in a row. This is just another example of what kind of company AmeriTech Financial is. 

I hope people see this and use their due diligence when choosing a company to work with -- I learned my lesson and I hope others learn from my experience.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2017, the consumer agencies, XXXX, EquIfax and XXXX mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, Equafax and XXXX sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that Experian provided to me and the various credit scores lenders actually use. As a result, XXXX, Equifax and XXXX credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2021-02-20
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. (GA)

On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. XXXX XXXXXXXX XXXX  was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX  on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXXXXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Please provide Validation of Debt, Assignment of Debt, Method of Verification used as your in violation of my Hippa Rights. Also, unaware of this debt and did not get a notification and option to dispute. 

Revenue Group XXXX
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

On XX/XX/XXXX of 2019 I received a letter from ERC collections saying that I own {$1200.00} to XXXX XXXX. 

I called XXXX XXXX to verify the account number on the collection letter, XXXX, but they would verify the debt as the SSN and Phone numbers ( mine ) Didn't match the account. 

I went to ERC 's site to enter the account number and 'last 4 ' of SSN to look at the 'account ' but they to do not have the correct SSN. Further there is not way to pay the bill on paper. I question if the whole situation is fraudulent. 
At this point I do not understand how : 1 ) XXXX  XXXX  allowed an account to be opened against my name without i-Matching SSN ii-Form of Payment iii-Validation of My name against address on file 2 ) The collection agency is linking my name to an account with a different SSN on file Police Report File with XXXX Police Department, XXXX Ohio : XXXX I already have a fraud alert in place as this has happened recently with another company, XXXX, where a fraudulent cable account was created in my name.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My father passed away XX/XX/2019, my father had a money market account with capital one 360. She came into the bank in XX/XX/2019 with a fraudulent death certificate that she lied on she put down she was his wife. Showed them the death certificate and his drivers license that she took and the bank gave her a cashiers check with an undisclosed amount. When i asked them about why I spoke to XXXX, she stated that because she was a joint owner of my dads bank account they gave her the money. There was no POD or beneficiary noted on the money market account. I told them that it should of went to probate or next of kin not her. again they stated that because there was no one else and she was on his other account as a joint owner gave it to her. I am so upset because it was in his name only and she walks in with a death certificate that she lied about is not right. It should of went to probate.
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

This company has even attempting to collect {$980.00} on a credit card that I have never had as a result of my actions.Ive reported that this is fraud and identity theft on multiple occasions sent letters and disputes. Company keeps trying to collect and refuses to clear the debt from my credit bureau and from collection. There is only one XXXX XXXX card on my report. It closed in 2013 for a {$300.00} limit. The charges made on this account were unauthorized and not made by me!! The credit bureaus arent even taking the FTC or tax fraud reports they arent blocking. I am a victim of identity theft
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

Jefferson Capitpal is in violation of the FCRA and FDCA I believe to my lawyers knowledge as well as my background involve with these laws. The company seems to have bought this debt from XXXX which has unfortunately sold them a in accurate account based or dispute with them that they refused to correct.As well This company should be reporting the first day of collection based on the info from XXXX and not showing as recent collection with them.They must report the original date of collection, Instead they are reporting it as it is recent which is causing other companies to deny credit based on there incoorect date and violation of the FCRA and FDCA.They know this hoping it will harm a consumer more by reporting false information, As well the amount is not correct and other information I am not disclosing because they should know this, instead they expect consumers to correct there mistakes for them .No attempt was ever made by them as well in neither letter or phone call which I only accept mail communications and they have failed to do so cause I could have reported this and dispute then.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MI)

This started a few weeks ago ... .. I started noticing that when I made purchases with my American Express Serve card they were adding some type of additional fee charge while on hold. It happened at the grocery store last week and it was almost {$30.00} over the purchased amount. It also happened at XXXX and making a payment on XXXX. Then Ive been using it the last few days with XXXX and noticed the same thing was happening. I just did some figuring and it looks like they are adding 15 % to the purchase amount while the transaction sits on hold for 2 to 5 days. I have had this card active since 2014. I have also had my payroll direct deposited onto this card for the past 4 years. I have tried calling for assistance but no one answers and I have read stories online that they will now lock your account if you complain. 

I noticed that others were complaining about these hefty hold charges on other review websites. Why are they are allowed to do this? I feel this is a criminal action and I will be going over to the ATM today and withdrawing my funds out and closing this account. American Express apparently sold the rights to Serve card to another company a few years ago ... .. XXXX . I dont understand how these big companies are allowed to misuse customer money like this. Im working limited hours during this pandemic and every dollar counts right now. If they are doing this to me ... .. then they are doing it to millions of others who use this card and making a lot of money in interest on these funds.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

This Compliant is being sent to CCS in response to a listing on my credit report. A notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company at all.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX  ) this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character I also respectfully request CCS to provide me with competent evidence that I have any legal obligation to pay you.
<P/>
am requesting the following verification : 1.Recorded or telephonic conversations.
<P/>
2. Any payment methods you have on file indicating that I made payments to CCS company. ( Checks, debts, or money orders payments ) 3. Provide me with a documents with my signature indicating that I agreed to this debt with CCS.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KS)

I received a certified letter from Pennymac Loan Service informing me that my escrow account was short and that my payment would increase from XXXX a month to XXXX a month. The contract I signed indicated a payment of XXXX at a fixed rate. The only reason I bought a house is too ensure that I have a fixed payment so that I can budget for it. If Pennymac ca n't do proper accounting, then they should try another line of work. I have no intention of changing my monthly payment. They will need to make an adjustment on their end that does n't effect the monthly amount that I agreed to. How do we allow the same criminals that cost me a house in 2009 to open doors under a new name?
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

On XX/XX/2019, I received a notification from my credit card company ( with which I have credit monitoring services ) that there was an inquiry on my credit report. The inquiry was fraudulent, so I ( 1 ) put a fraud alert on my credit report through Equifax and ( 2 ) filed a report with the FTC detailing the identity theft. Under the Fair Credit Reporting Act, Equifax had an affirmative duty to report the fraud alert to both XXXX and XXXX, so I did not place a fraud alert on my credit report with either of those other two credit reporting agencies. I also received an email confirmation from Equifax on XX/XX/2019 stating that a fraud alert was successfully added to my credit report. About three weeks later, on XX/XX/2019 and XX/XX/2019, I received additional notifications that, as of the date of this report, nine more fraudulent inquiries were made to my credit report through both XXXX  and XXXX. I received no notifications from either company like I thought I would with a fraud alert set up. On XX/XX/2019, I called XXXX  to inquire about the fraudulent inquiries. The XXXX   representative I spoke to said that there was no fraud alert on my credit report and that XXXX   had not received notification from Equifax that I added a fraud alert. I also called XXXX on XX/XX/2019, but was unable to reach a representative there XXXX although I left a voicemail for a representative and am awaiting a return call ). I then pulled copies of all three of my credit reports -- one from Equifax, one from XXXX, and one from XXXX on XX/XX/2019. The Equifax credit report and XXXX   credit report noted my fraud alert ; however, no fraud alert was noted on my XXXX credit report. The following day, on XX/XX/2019, I called Equifax. The Equifax representative I spoke to stated that I had an active fraud alert and that the fraud alert " should have '' been reported to both XXXX   and XXXX because supposedly Equifax 's system automatically sends the fraud alert to the other two companies when a fraud alert was entered. When I told her that a XXXX  representative told me there was no reported fraud alert, she could not explain what happened or how it would be possible for my fraud alert to not be communicated to XXXX. Although I understand that if the fraud alert had been accurately reported to XXXX in midXXXX 2019 it might not have prevented the identity theft going forward ; however, because five of the fraudulent inquiries were reported through XXXX, perhaps some of them would not have gone through if the fraud alert had been in place.