davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (NY)

There's been 2 unauthorized charges on my account, this caused an outstanding balance which I was unaware of causing a delinquency to be reported on my credit report. After that I called First Progress, and they said they'd investigate but I never heard back. 

Also sent them a letter with no response, filed a dispute with XXXX and the delinquency was removed, next cycle it was re-reported again and now First Progress rejects to take it off and is not responding to written correspondence.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one auto is a joke. 

My car was totaled XX/XX/2024 I continued making my payments to avoid impact to my credit. ( Only needed one payment ) now that everything is said and done they are saying I don't get my payment back even though gap and insurance covered the balance... .all because they reported the balance WITH my payment so the gap insurance paid XXXX less. That should not fall on me when the payment was for XXXX AFTER they reported the balance inaccurately.
Consumer complaint received 2019-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (MO)

I have paid XXXX on this bill directly to XXXX XXXX so far as I have a payment arrangement with them and this collection company is threatening me for XXXX. I have 2 more payments set up for XX/XX/XXXX for XXXX XX/XX/XXXX or later XXXX XXXX XXXX XXXX *XXXX AutoPay {$50.00} XXXX XXXX XXXX XXXX XXXX Scheduled Cfm # XXXX Show payment details for XXXX XXXX XXXX XXXX XXXX AutoPay for {$50.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AutoPay {$50.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for XXXX XXXX XXXX XXXX XXXX for {$50.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX Processed Cfm # XXXX Show payment details for XXXX XXXX  XXXX XXXX XXXX for {$50.00} on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX and XXXX XXXX XXXX are continuing to collect on a medical bill that has already been paid. This is also showing on my credit reports.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit card got unauthorized use about {$1800.00} on XXXX/XXXX/16 and I found it by myself at the end of XXXX. It looked a typical fraud case through non existing website and described as I spend purchasing a service, not products. Normally, this kind of suspicious spending is found by credit card company by monitoring my usage but they did not. I called the credit card company to dispute the amount and once they credited the amount. But after a month later, they reapplied the amount to me after their investigation. I do n't understand the result. Because initial purchasing was done in Florida and credit card transaction was done though a processing company in XXXX XXXX. They gave me a report to show purchasing IP address but it was not mine and even not in XXXX XXXX where I live/work in. A couple of days later from I received the report from the credit card company, I received a letter from XXXX, a computer company. I have purchased a tablet through their official online shop. They said that they had been hacked ( attacked ) by a third party and lost customers information including credit card numbers, addresses names etc. I used that credit card to purchase and the date of purchase was impact exactly XXXX got attacked. I have written a letter to explain the situation to the credit card company attached XXXX letter and asked again to dispute the amount they reapplied. It has been more than a month but the credit card company does not reply me and they keep quiet but putting the amount on my account with APR. I have paid the amount I spent but I have not paid the amount unauthorized use because it is not my responsibility. I am 100 % innocent, I have never used that big amount though internet. Now I have no idea what I should do and who I can ask to help or resolve this problem. I really need your help.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (GA)

Back in XXXX, 2019, I discovered that my personal information has been misused by an act of an identity theft crime. The problem was reported to all three credit bureaus as soon as I discovered fraudulent financial activities using my personal information. 
Exactly, seven credit card accounts were made using my identity and I reported each accounts to credit bureaus and requested removal and suppression of inaccurate accounts ' information from my credit report. 
I successfully filed two separate identity theft reports, FTC and local law enforcement, and submitted to credit bureaus. 
Unfortunately, Experian and XXXX XXXX credit reporting agencies are not honoring official identity theft reports from two different law enforcement agencies and still reporting few fraudulent accounts ' information on my credit report. 
I am very concerned about their illegal action towards me. Neither Experian and XXXX XXXX did not submit any significant proof that accounts belong to me, and creditors did not provide any result of their investigations nor the method of verification. 
I requested to see who approved these accounts, who witnessed myself creating these account, and who witnessed using these accounts for myself. 
Both parties are violating FCRA and continuing to post inaccurate accounts ' information on my credit report. 
Please advise them to remove all of fraudulent accounts that are currently being posted on my Experian and XXXX XXXX credit report. I will attach each copies of police report and FTC identity theft report to CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX  XXXX These accounts are still being fraudulently reported on my credit report.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (TX)

XXXX  account number # XXXX showing in experian does nt belong to me.I kept calling experian and filling dispute and they never fixed it and I never got any debt verification letter despite numerous attempts
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation (MO)

Albert has unauthorized deductions on my account several times and several weeks in a row. One week they apologize for a system failure and the next week they take back the refund plus more.

Albert is a scam and I hope this place gets shut down.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (AL)

Comenity bank keeps lowering my credit limit on my XXXX XXXX  account. I have been on time and current with my payments. I just made a {$160.00} payment for my recent payment. They have taken my available credit that I haven't used. My current credit limit is {$1600.00}. I had over {$500.00} of available credit when they lowered it to {$1700.00} a few months ago. I was saving my available credit & every time I think things are stable they lower my credit limit again. Don't they know when they lower my credit limit this also affects my credit score?
Consumer complaint received 2021-08-13
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. (DE)

Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.
Consumer complaint received 2020-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

On XX/XX/XXXX, I paid off all my debts with RMP services for a total settlement in the amount of {$1800.00}. I called several times after that to get confirmation as to when they report and nobody would give me an answer. I then reached someone that I told that I just wanted them gone from my credit report to which she responed, " I bet you do ''. I then asked when that would happen and she said probably by the end of the month. I sent an email to XXXX XXXX, Operations Manager, whom had responded to my XXXX  complaint asking for her help in the matter and asking her to listen to my recorded conversations with their representatives. I didn't get a response. I then filed a dispute with XXXX  and XXXX. RMP Services deleted 4 of the 5 accounts I paid from XXXX. The one they left was the one with the highest balance and not only did they not delete it, they reported it on XX/XX/XXXX as unpaid! They falsely reported the account to XXXX and now I am considering legal ramifications. This needs to be removed immediately on XXXX  and all 5 accounts removed immediately from XXXX. Falsely reporting to the Credit Reporting Agencies is a crime.
Consumer complaint received 2020-10-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (PA)

I leased a XXXX XXXX XXXX XXXX and the second day I receive the car the engine light was on and a warning that the gas cap is loose and there a noise every time I hit the gas I took the car to service 3 time no help the issue not resolved I contacted the customer service they seems they dont care much I need help please
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I received a notice from this company stating that I owed them money ; I have never done business with them. I sent them a letter requesting debt validation and verification on XX/XX/2020 via certified mail. As of today, XX/XX/2020, I have not received anything from this company validating this debt. The letter that I sent them was received. I have confirmation that they received the letter. Sequium Asset Solutions failed to comply and did not send me back debt validation, which does not show me any services rendered or what I am supposedly being billed for. Instead of sending me debt validation, they reported this negative item on my credit reports. I ask this company to only communicate with me via mail in which I have that right to do so. They have failed to communicate with my regarding this alleged debt. They are violating several laws and my consumer rights. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Therefore, this should not be reporting on my credit reports until this matter is validated by providing valid and proper debt validation. I see this is how they handle others as well and this is clearly them violating the laws that are set to govern the collection process. I have all my copies of all documents sent, including the certified receipt numbers.
Consumer complaint received 2016-01-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

The COAF loan went into a charge-off situation. They mailed me a settlement offer on XXXX. I did not have the funds available to take advantage of it. On XXXX I sent a letter and check for {$1100.00} with a settlement letter. They cashed the check, yet left the {$8900.00} balance on our credit reports. We have gone back and forth for months until COAF, XXXX XXXX send us a letter saying they would accept the payment to settle this on XXXX. Except COAF is still posting the {$8900.00} balance? Will this nightmare ever end?
Consumer complaint received 2020-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX hereby attaches a copy of a collection letter I received from XXXX XXXX XXXX. I will agree in lieu of filing any protest against the collection to pay a reasonable settlement immediately, as long as it's in the area of {$350.00}. I will need this letter of settlement sent to my email address, and a contact number to call in the settlement amount, or an address where to mail it by XXXX XXXX. Thank you for the opportunity to negotiate this matter. XXXX XXXX
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been trying to refinance my home with the same bank where we currently have our mortgage for over 10 months. 

We have a loan to value of 29 % -- i.e. we have paid off 71 % or our mortgage on our home we are trying to refi, with this same bank. 

This delay has put a hardship on my family because we are refinancing to have a materially lower house payment. 

During this time, the mortgage company was very unclear as to who the borrower of record was, either just me, or me and my husband. 
They have even changed the borrower of record throughout the course of this ten month process - I have email correspondence detailing this lack of clarity on such a basic, important fact.

I have had to unfreeze my credit at least 4 different times, they have added additional requirements that ended up taking months, forced us to resubmit pay stubs at least 3-4 times now, full tax returns for SEVERAL years, etc.

We still are not through this simple refinance, that actually LOWERS our payment. 

They have also not honored the rate lock I made last XXXX upon INITIALLY calling the bank to refi. It was ZERO origination and ZERO interest, 2.875 %. 
I corrected them on this, and they have forgotten in all of their disorganization and are telling me I owe origination. I should have gotten all my voice conversations documented on email vs trusting them. 

They have also forgotten several times that we handle our own escrow. I have communicated this, and our current mortgage is handled this way. 

I have had it -- no consumer should have to put up with this.
Consumer complaint received 2020-01-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WY)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One Representative XXXX explained to me that they sppke to the real " XXXX '' and taht theu confirmed that they didnt open an account. They never asked me to provide documenation or proof and closed borh of my accounts beleiving the alleged
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

In XXXX 2016, I signed up for a Citigold account account with promotion XXXX that promised XXXX XXXX XXXX AAdvantage miles after completing certain requirements. After the requirements were met, according to the terms and conditions of the offer, the AAdvantage miles would post within 90 days. For the CFPB 's reference, I have attached the official requirements. I have attached a secure message from a Citi representative that I met all requirements for this promotion on XXXX/XXXX/2016. After the Citi representative told me I would receive these miles at a later date, I decided to follow up with her to remind her of the official promotion language to ensure I would receive the miles by the specified date which would have been XXXX/XXXX/2016 ; this message is attached also. XXXX/XXXX/2016 has come and gone and my miles have not posted. I am aware that Citi has refused to distribute the promised miles to other Citigold customers so I am filing this complaint.
Consumer complaint received 2021-09-12
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. (NC)

The company XXXX and Experian included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family.
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (CO)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my account!
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Last 4 SSN # XXXX XX/XX/XXXX Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
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 (MO)

I am filing a complaint with the CFPB because I was wrongfully and and inaccurately reported to the credit bureaus. I am in utter disgust and I feel as if the company I put my trust into and failed me and its effecting my livelihood by reporting false information. As far back as XX/XX/XXXX up until today XX/XX/XXXX I have called the Capital One numerous times about how the Covid-19 and how this pandemic has hurt me and my family tremendously Ive called and spoke with various different representatives explaining to them that Im in a financial hardship and I was told that they understand and would not be reporting negative information on my credit report. Im not currently working just like millions of people around the country and for a trillion dollar company to continue to lie and give me misleading information it truly does hurt. As of today my credit report is reflecting 60 days late yet the only correct information Ive received and action that was taken was a past due fee being removed. Ive filed a complaint and even went as far as an investigation and still have received different false information regarding Capital One still reporting negative information to my credit report. Every single customer service representative gave different information.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Deparment of education/XXXX is reporting a 90 days late payment in XX/XX/XXXX for 20 different federal student loan accounts with XXXX  & XXXX & 22 accounts with equifax, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America took XXXX dollars from my bank account because of over draft. I had money in my bank account and i try and get my money back and explain to them this was a mistake. Unfortunately they told me I can't get my XXXX dollars because I had to call before XXXX