davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
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. (PA)

XX/XX/XXXX Hello, I am enrolled in the XXXX XXXX XXXX in XXXX, PA. When my financial counselor pulled my credit report on XX/XX/XXXX, we saw that accounts I had paid on and off, were not updated since XXXX, XXXX. 

I have worked very hard to pay down my debt and if I were late that information would be placed on my credit report immediately! This is an unjust double-standard being practiced by Experian credit reporting agency. What penalties do they suffer for not updating my information since XXXX, XXXX? Their lack of action has led to my inability to apply for a first-time buyers program. 

I also contacted the credit card companies who all confirmed that they had reported my information every month to the credit reporting agencies. They also said that Experian is not updating the customers accounts monthly as they should. 

I want Experian and all other credit reporting agencies to update my accounts and, in the future, update every one of my accounts that they are monitoring every month! 

Please see the accounts below that are highlighted in blue. 

Thank you, Consumer Sun, XX/XX/XXXX XXXX XXXX  ****** XXXX XXXXXXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$62.00} CCCCCCCCCCCC ( The last payment of {$19.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX ( XXXX ) XXXX XXXX {$27.00} XXXX ( The last payment of {$88.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX $ XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2300.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$54.00} CCCCCCCCCCCC ***** XXXX  XXXX $ XXXX $ XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$960.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$31.00} CCCCCCCCCCCC ( The last payment of {$130.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$400.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$35.00} CCCCCCCCCCCC ( The last payment of {$60.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$250.00} CCCCCCCCCCCC ( balance not updated ) ***** XXXX XXXX XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$120.00} CCCCCCCCCCCC ( balance not updated ) Thank you, XXXX
Consumer complaint received 2021-07-02
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: I.C. System, Inc. (IN)

After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law
Consumer complaint received 2023-04-04
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. (GA)

Got a notification of a new account being on my credit report that I did not open. All the report says is Source EXPERIAN Alert Date XX/XX/2023 Balance Amount {$0.00} Open Date XX/XX/2023 Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX City XXXX XXXX Zip XXXX already reported to Experian but they said I needed to make a report here.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One Auto Finance has called me every day since XX/XX/XXXX. I have never had a loan with Capital One. I need these hararassing calls to stop. It's a robocall, so I can never speak with a person. The call comes from XXXX. 

I called Capital One Auto Finance to get them to stop these harrassing calls. But you must either enter an account number, which I don't have because I don't have a loan with them. Or leave your Social Security Number, which I will not do. They would likely look up an account with the SSN and I don't have an account. You can not talk to a representative. If the voice system does not recognize your account number, they simply say goodbye and hang up. 

I have written to the company. I continue to get calls. 

I blocked the number but they are still able to leave a message and so my mailbox fills up because I don't get a call nor do I get a notice of a voice mail, so at first I didn't even know I had to go in and delete their messages. 

I was forced to get a new phone number in XXXX when I switched cell phone carriers. Yes, I know there's a law that says you can keep your cell number, but apparently that law doesn't apply to XXXX XXXX XXXX. Shortly after XXXX XXXX XXXX would not release my old number to my new carrier, and I got a new number, these calls began. I assume the number they're calling ( now my number ) used to belong to someone who owes them money. 

I would appreciate any help to get them to stop calling me. This feels like harrassment!
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (NC)

I didnt give anyone the right to share my information requested the company to send me something showing where I signed a contract for this service they have no right I have also send a letter to FCRA for violating my right also ask this company to validate information until then it needs to be removed from my credit report
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MD)

At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to US Bank in the amount of {$720.00} to U.S Bank for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from US Bank regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " XXXX XXXX '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the XXXX XXXX to the appropriate agency. She laughed and hung up the phone.
Consumer complaint received 2021-11-09
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. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Every time I pay my Macys credit card bill in full I get charged a {$2.00} fee the next month. Before I knew about this shady financial practice I would ignore my Macys bill because I knew I had paid it in full previously but then that {$2.00} fee doubled and endured late fees and even went to collections. Several others are complaining about the same issue. I feel this is a fraud and possibly even worthy of a class action lawsuit. I would like all of the fees and late charges ever charged to my credit card after it had been paid in full to be reversed. Please look into this issue. It is not right.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE 2010. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE 2010 PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My XXXX XXXX XXXX credit card account was closed in XXXX. I continued to make payments until XXXX, and ultimately the account was charged off in XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX XXXX is still reporting the account as open through XXXX with XXXX and XXXX ( TransUnion is reporting closed status as of XXXX ). In addition, XXXX XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called XXXX XXXX XXXX multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

My mortgage was serviced by XXXX, in XXXX they refused my payment citing the previous months were not paid. I went to my bank got the statements and presented to XXXX, it was not corrected and they returned my subsequent payments and advised end my property was in foreclosure. I called their attorney and presented the documents and was asked to send it again. I made numerous attempts to get this resolved to no solution. My mortgage was transferred to BSI, made several attempts to resolve the issues to no avail. Finally after exhausting attempts it got partially resolved. The reported derogatory reports on my credit report and even though I provided all the necessary proofs. My mortgage is paid off and BSI refused to correct my account and refund my payments.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NV)

On XX/XX/2021 Hyundai Motor Finance received a payoff on my auto loan. 
I had refinanced my home and they had sent a check to pay the Hyundai loan in full. 
Unfortunately the check overpaid my loan by over {$1000.00}. I called them on or around XX/XX/2021 to inquiry about my refund. They said that they would issue a check which supposedly they did and sent to an old address which wasn't even on the loan with them. I have since contacted them 3 times to see if the check had been reissued. The last time on XX/XX/XXXX after speaking with a XXXX, he told me that the check had on been reissued yet. All of the other employees had told me that it had and sent to my correct address and the only ADDRESS they have for this loan. I requested that the XXXX have the check reissued and sent via XXXX XXXX  to my home since it has now been over 60 days since they have been paid in full. He refused unless I gave them a XXXX XXXX #, which I don't have one. 
It seems like I am getting the TOTAL RUN AROUND and know if I was 60 days past due that they would definitely be taking some action.
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

In fall of XXXX, I cancelled my home internet, cable and phone with XXXX to take an offer another company. I paid my bill and XXXX sent a box to return the equipment. That box never arrived, so I called and asked for another box. I returned the equipment ( modem ) in that box and that was that. 

Starting in XXXX, various collection agencies attach a $ XXXX collection to my credit report. Calls to XXXX are completely unhelpful - after hours, I finally found out that they are stating that I never returned the modem and that is the charge with the collection agencies. The collection agencies won't remove it and XXXX won't remove it as it has " gone to collections '', but it is not payment that I owe, so I refuse to pay any amount. 

Just recently, another collection agency posted to my credit report that this was a new debt from XX/XX/XXXX, so I don't even have the option of it aging out of the system ever.
Consumer complaint received 2021-07-01
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: PNC Bank N.A. (NY)

review the accounts that appear on my credit report, without any authorization, they are harming me. 

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

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

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

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

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

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rushmore Service Center, LLC (CA)

On XXXX I purchased the property at XXXX XXXX XXXX, XXXX XXXX, XXXX A XXXX at a XXXX XXXX XXXX at the steps of the XXXX XXXX XXXX 
I purchased at second XXXX XXXX on this property which was subject to the first XXXX XXXX of record by XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX XXXX my XXXX XXXX Upon Sale on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX 
I have asked the company many times over the past few months about getting a payoff of the loan or how to make payments to them I have given them my information about being the new owner of the property but this company says the loan is not in my name and can't give me information. 
Please help so that I may resell the property and pay them off through escrow Thank you, XXXX XXXX PHONE : XXXX P.S. Does not XXXX have a time requirement for communication and penalties for not doing so?
Consumer complaint received 2019-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I have a loan with Santander Bank for my car. In XXXX, I had to close an account at the bank because of another merchant taking advantage of my debit card and checking account number for a monthly membership which I terminated in XXXX. My auto payment for XXXX was about two weeks late, and when I made my payment, I doubled the payment to cover both XXXX and XXXX. The Payments were processed first {$57.00} in XXXX, then {$700.00} which the automated system said was owed for XXXX. The total amount paid was {$750.00} by XX/XX/XXXX. The company refused to apply my payment to the XX/XX/XXXX auto loan due date. They actually argued with me and expected me to make a third payment in XXXX. They were very unapologetic and said that the decision was up to someone in accounting rather or not my XX/XX/XXXX payment would be applied to my XX/XX/XXXX installment, not me.
Consumer complaint received 2021-08-23
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. (TN)

Information is to excluded from my consumer report as it was an extension of my credit card. Furthermore XXXX is in violation of my rights to privacy as the released and served my private personal information to an unauthorized third party without my consent and lied stating a sheriff called me over the phone and I provided verbal consent. False, XXXX knew I would not receive those court documents and purposely gave my personal private information to an unauthorized third party only for the sole gain that the courts would rule in their own favor as a default judgment against me.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

The moment I disputed a billing error in XX/XX/2021, Discover not only furnished non payment to the credit agencies, which is a violation of 15 USC 1692c, but they also closed my account which is violation of 12 CFR 1026.13 ( d ) in XX/XX/2021. 

They didn't give notice until after the adverse action was done, which is violation of 12 CFR 1026.9 ( c ) ( 2 ) ( i ) and did not reflect my rejection on my account which is a violation of 12 CFR1026.9 ( h ) ( 1 ) AND 12 CFR 1026.9 ( h ) ( 2 ) ( i ). 

I informed Discover that they were willfully and negligently violating 15 USC 1637 open-end credit and that I DEMAND they reopen my account as the beneficiary of such account. 

They still did not comply. 

This account was created from a consumer credit transaction and therefore, I DEMAND my dividends for such an account.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

My Name Is XXXX XXXX and I have requested and provided proof and letters for my bankruptcy to be removed off my credit report in order for me to get my score off the ground to purchase a home. It has not been removed and is hurting my credit. Please remove this item off all my credit reports,
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I was called by a robophone saying there were my discover card, then transfer to a human and I qualify for Lower interest rate, they gave me information about 3 of my credit card number, so I proceeded to go with the loan deal they offer me, I then gave them my information, they seem to have quite a bit of numbers, ect, like my first 6 numbers my ssi number and also my address, they said that my cost was going to be XXXX, which was less than I pat in interest fees, so they ran my credit, which showed up on my credit report from my bank.they tried to run my discover card for the XXXX but I keep all my credit cards frozen until I need to use them.i then realize after i XXXX fraud that this might be a scam. i then reach out to them and they said my application for a debt consolidation was denied, but they were going to try another company. I then told them I was no longer interested, they told me it was to late and they were going to keep trying to get a loan for me, here is some of the names and numbers they gave me, customers card services XXXX XXXX, employee # XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (TX)

XX/XX/XXXX : I opened the VanillaGift card for the first time. I went to VanillaGift.com to verify the card balance before using, the balance was XXXX so I then called the customer service number ( XXXX ) XXXX on the back of the card and a XXXX balance was stated again with a charge history of {$5.00} for which I took was the activation fee charged when purchased by Hype Roofing and Construction. After reviewing the cardholder instructions, it stated to Select any 4 digit PIN at first use. The card was given to me in XX/XX/XXXX by the Owner of XXXX XXXX and XXXX as a gift for installing a new roof. 

XX/XX/XXXX : My first attempt using the card was at XXXX in XXXX, TX where I tried my 4 digit PIN with no success. Called customer service found 30 charges @ {$5.00} each for XXXX XXXX had posted against the card in XX/XX/XXXX but I explained, I'd just opened the card on XX/XX/XXXX. 

XX/XX/XXXX : I filed Dispute, Case ID / XXXX and received email confirmation. Called XX/XX/XXXX and customer service says they have no record of Dispute, faxed same documents the same day. Called week of XX/XX/XXXX to verify status and was aked to call back on XX/XX/XXXX due to no status available. Called XX/XX/XXXX and was told to wait a few more days and call back. Vanilla Gift 's Dispute timeline for resolution is 90 days from the date of receipt. Original Date of Dispute was XX/XX/XXXX and 90 days from there, XX/XX/XXXX. Its now XX/XX/XXXX with No resolution.
Consumer complaint received 2022-09-15
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. (PA)

XXXX 's Reporting details of my account status are incorrect where it claims that the account is currently 30-59 past due. This is incorrect and needs to be modified. This should have been updated to reflect a current status within the last 2 weeks. Further infractions may result in the account being furnished to an attorney to enforce appropriation of account data. Misreporting to the Credit Bureaus should carry fines for the financial agency and I believe this is also inappropriate use of my Report.