davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was charged an annual fee on my credit card. 
Within 30 days I changed the card to a no annual fee. 
They refused to credit the annual. 
This is totally wrong. how can they charge me an annual fee for a service that I dont have?
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX account first date of delinquency is more than 7 years old the account has been closed and the account is reporting beyond the credit furnishing statute of limitations.
Consumer complaint received 2021-06-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

these accounts don't belong to me. Please remove them from all 3 credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencie : XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (WV)

Ally Auto is my lienholder for my vehicle. I totaled my cat in an accident. I am still waiting on the insurance to present payment, etc, but in the meantime I have been car shopping. I have been informed by a dealership that Ally Auto has reported me 30 days late on payments 6 times. I can only remember 1 time I was 30 days late. When I called to ask about it, they said that when they deferred my payments, the following payments were applied to interest, meaning I was 30 days late for 3 months. I am appalled that they can approve a deferment and then turn around and report late payments WHILE YOU ARE MAKING PAYMENTS because it was applied to interest! I made the payments, where it was applied should not be of issue. The dealer has also informed me that they have done this to many people. The Ally Auto representative said they are allowed to do this, but it is false reporting and a false representation. It is also affecting my ability to obtain another vehicle.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (GA)

I received a letter from Credit Corp Solutions on XX/XX/01. They are attempting to collect a debt on behalf of XXXX. Credit Corp phone number is XXXX. Their reference number is XXXX. They provided the last four digits of the XXXX account number as XXXX. The amount they are attempting to collect is {$38.00}. 

I called Credit Corp to inquire about this. I have never had a XXXX account. The letter had my name XXXX XXXX and my address XXXX XXXX XXXX XXXX GA XXXX on the letter. When I called they informed me that the email address attached to this account was XXXX. I informed them that this email address was not mine but my ex-wife 's. They told me I still had to pay or it would report on my credit report. They offered to settle for {$20.00}. I declined the offer because it isn't mine. 

I called XXXX and they have no record of the account. They have no accounts for me based on my name, email or SSN. I requested a letter from both Credit Corp and XXXX clearing this matter and both said there was nothing they could do. 

This is not mine and there is no evidence to the contrary. I do not want anything reported against me to the credit bureaus and I would like a letter from the creditors assuring me this has been cleared up and will not be an issue going forward.
Consumer complaint received 2020-11-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on XXXX, Equifax and XXXX. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B
Consumer complaint received 2020-11-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on XXXX, XXXX  and TransUnion. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

I rented an apartment where I needed a LANDLINE for " work from home '' purpose. The XXXX XXXX XXXX field tech did not want to install a line from the pole to the building, Stating it was OLD technology and I SHOULD be using the DSL line option. Field tech left and NEVER installed / established services for this account. But XXXX XXXX XXXX did generate a bill that service was done. I called and had no luck with the rude XXXX XXXX XXXX service reps. Stated they only go with what their system says.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This collection agency continues to harass me with calls and notices and has not complied to my request to stop the excessive calling, provide name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with of the alleged debt.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth Third Bank acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to Fifth Third Bank twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, XXXX XXXX XXXX XXXX, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX XXXX for mobile deposits. If Fifth Third* Bank designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX ET cutoff time on XX/XX/XXXX * Fifth Third Bank 's Deposit Account Rules and Regulations specify neither days ( e.g. XXXX ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, XXXX message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take XXXX hours for a payment made to Fifth Third bank via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for Fifth Third Bank to penalize consumers for accepting that assertion at face value.
Consumer complaint received 2024-05-17
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: LEXISNEXIS (MI)

On XX/XX/year>, I submitted a complaint to the CFPB on Lexis Nexis. Complaint number XXXX. This was not my first or second complaint for Lexis Nexis through the CFPB. I had addressed an ongoing issue with Lexis Nexis not removing old addresses per laws concerning FCRA and FDCPA. They responded to CFPB complaint number XXXX on XX/XX/year> stating that they had removed this old information from my consumer report. see attached. On XX/XX/year>, I received letters in the mail dated XX/XX/year>, which showed they had not removed this information. see attached. I am frustrated that no one is holding the CFPB accountable for these actions of deceiving the public and not doing as they told the CFPB that they had done in which they did not.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

I purchased a vehicle secured by a loan through Santander. The vehicle was subsequently repossessed and resold. 

In 2020, I received a postcard stating that I was apart of a class action lawsuit with Santander and that Santander is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called Santander and they stated that they sent the appropriate paperwork and there was nothing else that they can do.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

My ex-boy friend purchased furniture at XXXX 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at Midland Credit Management on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.
Consumer complaint received 2019-03-15
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. (FL)

XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is regarding XXXX. I noticed ( CRAs ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and TransUnion, LLC ( the " Big Three '' ). are all reporting different information. For example, XXXX and TransUnion are reporting both my XXXX credit cards yet XXXX is only reporting history on one of my XXXX cards. XXXX is also reporting to all three bureaus bouncing back and forth between 30 to 90 days within a 12-month period with inaccuracies. All three credit bureaus are not reporting the same " charge off '' information for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I would like to understand why the information is not identical in each credit report? The 'credit limits ' and 'credit used " amounts reporting are also extremely inaccurate which impacts my debt-to-income ratio resulting in a poor/fair score. I inquired with Trial Attorney, Consumer advocate, and Board of Directors of XXXX - XXXX XXXX about my credit report. XXXX mentioned the " Fair Credit Reporting Act Fair Credit Reporting Act ( FCRA ) to name a few and suggested going to the CFPB to obtain a fair resolution as the first step with XXXX, TransUnion, and XXXX which are XXXX.
Consumer complaint received 2020-11-05
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have sent several letters to the three reporting agencies and to XXXX about this account. I have asked for original paperwork to support the loan. All I have received is a promissory note. I asked for all paperwork with my ID attached. Never received what I asked for. As I periodically checked my credit report, I noticed the account was closed and transferred. I filed my taxes and found out the day that I was to receive my refund that it went to the Department of Education. How can they collect when they closed out the accounts and transferred to what I found out is XXXX XXXX XXXX? I called XXXX on XX/XX/XXXX and they told me they closed out the loan and transferred to the collection agency. Again, how can they collect on a debt when they no longer own? The lady I spoke with on XX/XX/XXXX told me that a letter was sent to me dated XX/XX/XXXX stating that I had 65 days to take action. I told her that I never received it. She stated she could send me another letter. The lady also stated that she will contact my employer to garnish my wages. I spoke with an attorney and that is not legal in Pennsylvania or Texas. What good will that do? They already took my money and as far as I am concern, the letter comes after my tax refund was taken. The problem is collecting on a debt that they no longer own. If I had received the letter, I would have taken action. I never mess with the IRS or let anyone take my tax refund. And if XXXX owns this loan now, what happened to them contacting me, why does it not show on my credit report? XXXX should not be able to collect on debts they stated that they no longer own. On my credit report, these items show as closed/transferred. They should not be an exception to the rule when it comes to collecting a debt. They should be held to the same standards as all creditors.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (IL)

XX/XX/2015 my x husband forged a 7 page document requesting information about my credit and to be sent to him. The signature of my name did not match the original loan papers so they did not send the information requested. It was stated like it was me requesting the information but it was not me, luckily they noticed that it was not my signature. They sent a letter to the house address and to my temp address. I called immediately. They stated that a request was also sent for a loan modification with his signature and my name.. But again my signature did not match the original loan papers, his did match. So mine was forged. I have been requesting these documents and they keep saying they are sending them but it has been 2 years and still have not sent them to me and I need them for court next week, I am going to have my lawyer contact them.I also filed a police report but they had to wait for the documents to be faxed. But who knows. We are divorced and the judge stated that either I can refinance the house or it needs to be sold. Also I got a {$22000.00} gift of equity from my parents because it is my childhood home bought from my parents. Also the equity loan seems like its balance is higher then it was before so I don't know if something happen like he got more money. But my name was forged and attempted to get information and a loan. I have done everything but no one is doing anything about it. And that is wrong.
Consumer complaint received 2023-04-08
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: AES/PHEAA (FL)

I have contacted these creditors to dispute these accounts and they do not have permissible purpose to be reporting this false accounts nor do they have my correct information or documents. they are in violation of my consumer rights according to consumer law. The creditors are XXXXXXXX XXXX  anXXXX XXXX XXXX
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (AR)

XXXX  is reporting the account with Covington credit/SMC inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting did not match the information that was reported by the other credit agencies. XXXX, AS WELL as XXXX could not provide validation so they removed it from my account but XXXX  still has not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

I called in to American Express in XX/XX/XXXX to inquire about my Annual spending on my Delta Reserve card. The purpose was to see how close I was to my annual {$60000.00} required spend to receive an additional XXXX delta MQM 's which would have taken me to the next medallion tier with Delta. I spoke to a US Based representative who informed me that I had met the required spend in XX/XX/XXXX and would receive my MQM 's aprox XX/XX/XXXX and assured me that I didn't need to do anything else. When those MQM 's never came from Delta, I called in again in XX/XX/XXXX to inquire. I was informed at that point that I was previously misinformed and that the card spend was on different AMEX cards ( I changed in Q1 from a business reserve to a personal reserve ) and for that reason I did not qualify BUT since the damage was done and I was led astray by AMEX, they would open an investigation and pull the call logs from my XX/XX/XXXX call. If they could confirm ( which they did ) that I was told what I claimed ( which I was ) that AMEX would without doubt honor their mistake. I was told that would take 3 days and then AMEX would call me back. After 3 days I called again and was told that in fact it could take up to 60 days. When I advised that the time frame was unacceptable they escalated my compliant and I was told I would hear back in 14 days. After 14 days and no call from AMEX, I called and and spoke to US based supervisor XXXX ( # XXXX )  who assured me she would get to the bottom of things and would call me 3 days later on a Monday.. On Wednesday/Thursday I called in again and spoke to US based supervisor XXXX ( # XXXX ) who assured me that I would get a call back from XXXX right away. That never happened and I've since talked to 2 more supervisors who promised they would help and of course I never heard back. Several times I've been assured that AMEX would do the right thing and honor what they told me but no one there seems to care or have an ounce of accountability. I need help please!