davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4500.00} XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OK)

A check was sent to XXXX XXXX from a third party with the intent to pay off my account in full. The payment was sent on or about XX/XX/XXXX to the payment address listed on the XXXX XXXX website. 

Approximately 2 weeks later, the payment was returned in the mail as undeliverable. I sent a message through the XXXX XXXX website regarding the returned mail. I was advised that the address on the website was wrong, I was provided with a different mailing address. It was suggested I take the payment into a store. 

On approximately XX/XX/XXXX, I took the check into the XXXX XXXX location at XXXX XXXX XXXX in XXXX. Two sales associates and two managers assisted me and could not figure out how to process the payment since it was from a third party. They suggested it be mailed. 

On approximately XX/XX/XXXX, the payment was mailed to the address provided by XXXX XXXX.
Two weeks later, I had been charged additional interest and a late payment and the check had not been processed. I contacted XXXX XXXX through message to find out why. It was suggested that I wait a few more days ( 10 business days ).
AT 13 business days, the check had not been processed. I contacted XXXX XXXX to find out why or to see if it has been lost and if payment should be stopped. 

I was advised that the payment was located and would be applied to my account within 5 business  days. I requested that late fee and interest be removed since they had the check in their possession and had refused to process it. 

As of today, I have again been assured that they have received the payment, even though it has not been processed. I have also been advised that the late fee and interest will not be removed from my account. 

Since XXXX XXXX has declined to accept or process the payment in their possession, I believe it is only fitting that they should not be allowed to charge interest or late fees to my account.
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC (CA)

Northstar LLC called almost every day and at least for well over a month finally I called them. They said it was regarding a family member. I told them haven't had contact with them for over nine years. They apologized and said they would stop calling. This created a great deal of stress.
Consumer complaint received 2018-03-23
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 (AK)

My identity was stolen while I was in the XXXX hospital, I was on a thirty day hold from XX/XX/XXXX untill XX/XX/XXXX. The hospital lost or stole my credit cards, XXXX XXXX watch, and glasses and sited me for trespass because I refused to leave without my property that day. Opon gaining access to my Capital One account finally I noticed XXXX in charges that were fraud on my credit card that were fraud that had taken place during my XXXX. I filed a claim with Capital One and submitted all documentation to prove that I was in the hospital and was clearly not responsible for the thefts.Capital One closed out the stolen card ending in XXXX and claimed to credit my account for the fraudulent charges but refused to allow me to access my funds even to this day. I also received outside reimbursements credits of XXXX from XXXX for previous purchases settlements that have nothing to do with this situation and Capital One refused to allow me access to any of those funds as well. Capital One refused to reimburse and reverse any damages or reimbursement totally to my account from every company that Ive done business with treating me as the criminal instead of the victim in this awful situation. The XXXX refunds have nothing to do with this investigation and this is against the law. Its been 30 days and I dont know what else to do. I want my money back. I have the telephone recordings to show their insubordination. All funds in my Capital One credit card account was transferred directly from my bank account so that I could use their credit card to improve my credit worthiness, this account is a secured credit card and they have no right not to protect me as a cardholder and consumer from accessing my person money from my XXXX account, they were Not letting me use their credit, this is my money in jeopardy.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request Experian remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NV)

This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. XX/XX/17. XXXX. And this belongs to my wife not me.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have a XXXX XXXX AAdvantage Executive Platinum credit card from Citi bank. I pay {$450.00} annual fee which is tied to my XXXX XXXX AAdvantage account which also gives me access to the XXXX XXXX around the country. I use this card to book my flights as I travel quite often and also for everyday purchase. Recently, Citi bank closed my account all of a sudden without informing me. I could not use this card to access the XXXX XXXX as my access was denied. Also, I could not purchase anything. I was trying to pay for my rental car at the airport and even that transaction was declined. I always paid my account on time and more than the minimum due amount every month. I had to face embarrassment because what Citi bank did. I have no idea why my account was closed without any proper explanation. Citi is refusing to reinstate my account and also not giving me proper explanation for their actions. I feel like being manipulated by these big credit card companies and my financial needs is dependent on them which should not be the case. They are also refusing to credit back pro-rated amount of membership of {$450.00} that I paid beginning of this year as they have closed my account without any valid reason and unexpectedly. I need some answers please. Thank you, XXXX XXXX.
Consumer complaint received 2017-08-01
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. (FL)

There is a charged off account reporting on my XXXX Credit file that is not mine..i requested written verification and written validation that the account was mine and i have yet to receive it ... They have not proved that the amounts nor the dates on this account are correct. The account in question is from XXXX XXXX XXXX XXXX XXXX and should be removed from my account immediately
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc. (LA)

On XX/XX/XXXX I placed a call 2 Sims associate I told them that this was not my debt that this debt was written off I have until the XXXX to respond a XXXX I respond on the XXXX with a phone call and then a Written Letter which they should have received close to the XXXX instead of them stopping Collections and verifying that the debt was actually mine it went forward and put it in the credit bureau not operating in the procedures that is done it should have been stopped collection and send verification the alleged amount of debt is {$7600.00} I asked that they verify this to the penny original contracts anything with my name signed on it and the proof of all purchased items dates and time and that they truly on this debt and have the right to collect this debt they did not give me the proper rights that I deserve because if they would have investigated this has not been on my credit report XXXX  original creditor XXXX XXXX XXXX none of this was on my credit report for years why not even the XXXX card was not on my credit report cuz it was forgiven
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: First Data Corporation (DE)

I been trying to get my money every sense XX/XX/XXXX and still as of today I still have nothing I have all the supervisors names I have talked to I kept a record of every time and date and names of whom I have spoken to no one seem to want to help me get my money i 'm on the erge of being homeless I have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I keep calling and calling to the point they know that I have been calling every sense XX/XX/XXXX its now XX/XX/XXXX I just called them today as at XXXX XXXX I really do n't know what more to do I have  done everything that they have asked me to do I now have 4 pay roll checks on a card that I ca n't even use here is the amounts : {$240.00}, {$550.00}, {$800.00}, {$840.00} and I ca n't get none of my money they keep giving me a run around and I do n't this is fair to me what so every.
Consumer complaint received 2022-07-05
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (IL)

When I typed in my social and address on get my payment from the IRS, it says my check was mailed XX/XX/XXXX. It is now XX/XX/XXXX and I believe that my payment was sent via debit card without notice and was accidentally thrown away. The EIP card that I was going to receive looked like junk mail which may have caused me to throw it out.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

It is submitted that I deposited a Cashier Check number XXXX dated XX/XX/XXXX on XX/XX/XXXX, at a branch of CapitalOne. It was Saturday and then I waited to clear the check till Tuesday, XX/XX/XXXX, when I got a message from the Bank that my check of {$2900.00} was cleared and funds are available. 
Then I started purchasing from my account, using my Debit Card and I used my Debit Card of CapitalOne at three different spots of XXXX to purchase Gift Cards amounting to {$800.00} from each spot, which was a scam, but I could not understand that time. 
I took all precautions before starting the purchase from my account, and used the Debit Card, when the funds were available in my account after the clearance of the check and even after using the Debit Card at three different points, Bank did not decline my card and I completed the purchase of three Gift Cards of {$800.00} each on the same day when the funds were available in my account and even used by debt card at some places also for purchase. 
On the next day, XX/XX/XXXX, when I tried to use my card at another store it was declined and after checking it was found that the Check of {$2900.00} was reversed and now my account is now in negative {$2200.00}. 
It means that I became victim of a scam due to the fault of CapitalOne Bank as first, the bank cleared the check and the next day it reversed it, which means someone in the bank is a partner with the people who are involved in the scam. 
Please investigate the matter thoroughly, and return my deposit of {$2900.00} because I used the funds when officially they were available to my account. 
I provide the phone number and email details to the bank but still, Capital Bank is not accepting its responsibility to safeguard my funds.
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank (GA)

XXXX/XXXX/XXXX Dear CFPB : My Name is XXXX XXXX I am following up with my complaint to Case # XXXX XXXX. I would like to explain why I am dissatisfied with the results before the case was closed. Although the representative of XXXX XXXX XXXX XXXXXXXX Synovus Bank XXXX XXXX XXXX did state in her correspondence that there would be some compensation of a refund to me of {$36.00} for one overdraft fee, I have not received any refund from the Merchant to date. In my complaint the fees of {$320.00} were not justified by Overdraft Privilege Standard Program as stated by XXXX XXXX. These fees are excessive and violates the UDAAP. Year to date I had been charged XXXX. Please see the back side of the XX/XX/XXXX statement. Please also notice on the XX/XX/XXXXstatement it is an Employee Checking and on the XX/XX/XXXX statement it was changed to an Access Checking. I did not notice anywhere on any of the copies, front or back that there was a mention of Overdraft Privilege Standard Program as implied by XXXX XXXX XXXX. Instead it says to call and ask about overdraft options available. Since there was no remedy to date and the bank has been willfully non-compliant, I reopened this complaint. My checking account has been closed since XXXX and sold to a collection agency. I checked my credit report and this debt from XXXX XXXX XXXX XXXX Synovus Bank has been added to my credit report since XX/XX/XXXX stating I owe {$340.00}. I am also disputing this amount as I had made a deposit of {$10.00} to my account two days before it was closed by the Merchant. XXXX XXXX XXXXXXXX XXXX Synovus took unreasonable advantage of me by taking funds I had deposited into my account for purchases I made and debiting my account interfering with my understanding of my debit card usage. Each time I added money it was not reflected in my account and when I asked for all transactions and or purchases to be declined if the funds were unavailable to clear, this option was not accessible to me. I was assessed a fee on top of a fee which did cause substantial injury to me. The substantial injury I am referring to is : 1. Checking account closure.
2. Being reported as delinquent to check systems.
3. Being harassed by a collection agency.
4. Reporting to all three credit bureaus for seven years and still showing if paid.
5. Decreasing my fico scores ; preventing me from purchasing a home until paid.
Consumer complaint received 2021-09-07
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. (GA)

On XX/XX/2021, I reviewed my Experian credit report and compared it with XXXX  and XXXX. I noticed that Experian was not reporting my XXXX XXXX Credit Card beginning with # XXXX. On XX/XX/2021, I called and spoke with XXXX at Experian who confirmed that this account was deleted in response to my dispute Report Number XXXX. I explained to XXXX that I opened the dispute due to inaccurate credit amount showing on my credit report. XXXX stated that the account was deleted rather than the CREDIT AMOUNT increasing. XXXX hung up on me. I called again and spoke to XXXX of Experian. He confirmed that the account was deleted rather than the Credit Amount increased to {$2000.00} from {$1000.00}. XXXX advised that XXXX XXXX told them to remove the account from my file. XXXX stated that they can't do nothing about. Experian disputed this matter incorrectly as evidenced by XXXX  and XXXX  are reporting my XXXX XXXX Credit Card accurately.
Consumer complaint received 2020-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Credit Acceptance reported to my credit report that I was 2 months behind after I called to set up forbearance from being impacted by the pandemic they are telling customers that they doesnt do forbearance on their contracts. But did advise me that they will not be submitting and late accounts to the credit bureau. Well on XX/XX/XXXXthey reported that I was 60days late on my report. How am I 60 days late when my car payment was made in XXXX and the pandemic started XX/XX/XXXX they were contacted.
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

This relates to public service loan forgiveness and credits for the 120 student loan payments that must be made. I am complaining again since the response by Fed Loan servicing was that they will send me a copy of a print out from years ago to address my complaint. Insufficient. I now attach a print out clearly showing dozens more payments toward public service loan forgiveness than the lender shows ( thus making it necessary fgor me to work YEARS LONGER ). I have made payments of over {$800.00} a month for years and have been forced into countless forbearance situations to allow the 3 different lenders servicing my loans since XX/XX/XXXX to address many transitions and failures along the way. I am not getting proper credit for payments I made. I want fed loan servicing to make adjustments to the credits for payments made during forbearance. I am NOT ASKING FOR CREDIT THAT PREDATE THE XX/XX/XXXX PROGRAM. Do n't make that part of your absurdly inadequate response. I can not get a record of payments before XX/XX/XXXX but just since then I show 41 full monthly payments made. I am showing 19 payments made. THAT 'S NOT EVEN 2 YEARS and is a joke as far as even closely resembling accurate records of my payments. It 's not even I request records going back to the beginning of my enrollment and for proper credits to be issued and for the errors of the lender to not prevent credit ( things like putting me in the wrong program, failing to notify of program changes, it taking 4 months to make a determination or a year to transfer records where during those times no payments would be credited ). I will have to join the class action lawsuit requesting judicial relief if this can not be resolved.
Consumer complaint received 2018-05-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (TX)

Leased a new bed and a scratch n dent stove from XXXX " Lease to own/My Not Lease It '' I have paid well over twice the purchase price of the items.

They don't tell you that after 3 months that they automatically take your purchases out of lease to own and basically you start rented the items. No one tells you about this. So, you believe that one day that the payments will end and you will own the items. That's what they told me in the store! That this is a lease to own. Make the payments and at the end of a period of time you own the merchandise.

This is total FRAUD!
Consumer complaint received 2017-09-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My husband and I submitted an investigation request to Equifax nearly two months ago. We have followed up twice, but have yet to receive a response from them. 

I am attaching a copy of the request we sent to them on XX/XX/XXXX.