davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I mailed a payment check # XXXX for {$2100.00} on XX/XX/XXXX to Capital One. I called two weeks later because it was not posted yet to my account. They told me they did not receive it and since 10 business days had passed, I would need to reissue the check. On XX/XX/XXXX, I mailed check # XXXX for {$2100.00}. The payment posted to my account on XX/XX/XXXX and then was withdrawn on XX/XX/XXXX because the bank returned it. The bank returned it because Capital One had already cashed the first check # XXXX but never posted the payment to my account. I have repeatedly called to find out where the money is if it not posted to my account. They opened a payment investigation and requested a copy of the front and back of the cashed check ( they even wrote the wrong account number on it! ). I uploaded through the portal and they issued a provisionary credit on XX/XX/XXXX. Today, XX/XX/XXXX, they took the provisionary credit back and told me that the reason is because the bank returned check # XXXX ( the second check ). Whoever is doing the " investigation '' didn't look into it far enough to see why this was returned. This happened on three Capital One credit cards that I mailed in payment on the same day. They fixed the other two, but refuse to fix this one. In the meantime, I am making minimum payments and paying interest so it doesn't show as late payments on my credit. Very frustrating!!!
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (PA)

I started with a {$150.00} balance on XXXX. I withdrew {$20.00} from the ATM and made an online purchase for {$29.00}, which left my account balance, {$100.00}. Those charges for the ATM withdraw and purchase were pending but the money was in my account. My car/house insurance came out of my account the following day for {$110.00}. Leaving me with a - {$10.00} balance. I was charged an overdraft fee of {$36.00} for the {$10.00} that I was negative. On XXXX, the pending charges from XXXX, in which the bank had already held for payment and I had the money for on XXXX, posted and I was charged XXXX for each of those. My gym membership ( {$21.00} ) also came out that day and I was charged a 4th overdraft fee for that. I went into the bank and spoke with XXXX XXXX on the morning of XXXX. She could only refund one of the 4 overdraft fees totaling {$140.00}.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a bank account with bank of America in California, I was starting a business, I had investors for funds, the investors supplied money for the business to get under way. The bank of America froze my account and I called the bank when I found out no funds were available and I knew funds were in the account the bank is saying that this was not my money in the account and this is why we froze your account. I have the sum of {$1700.00} due me from the bank of America and went to the bank today to resolve this matter they refused still to pay me my money. I received today a letter from the state of California State Controllers office stating the funds If I do not get from the bank of America by XX/XX/2018 the business is required by law to send the funds to the state controllers office ( SCO ) and can be claimed by me there. I tried to resolve this today XX/XX/2018 but the bank of America still refuses to send the funds or pay me the money due me
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (PA)

Fraudulent Accounts and inquiries on all Three Credit Reports. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX XXXX {$10000.00} 3. XXXX CO XXXX {$18000.00} 4. XXXX XXXX {$1200.00} 5. XXXX XXXX XXXX {$16000.00} Inquiries 1. XXXX XXXXl 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX BANK XXXX {$1600.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX  ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph XXXX XXXX XXXX and before the end of the period referred to in paragraph ( XXXX ) XXXX XXXX XXXX.
Consumer complaint received 2021-12-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Debt was paid by the actual person who was responsible ( XXXX XXXX ) however debt is still being reported negatively on my credit report and has for some time. This has caused me pain and suffering and I have tried to contact them many times. I have also wasted money on certified mail as proof because they will not help me.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXX, US DEPT ED
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (PA)

The account in question is XXXX XXXX XXXX the account # XXXX. I've noticed the company that this isn't my account and that I have a Court Order Declaring me a victim of identity theft. XXXX, equifax and XXXX is reporting this account. Yes I have notified them as well.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My account was opened in XX/XX/XXXX with over {$100000.00}. After a year I decided to move this money to another account. I was not told that if I wanted to keep this account I would have to pay a {$25.00} fee monthly. I was told that as long as I had any accounts with the bank, such as checking, credit cards, etc. amounting {$10000.00} I would not be charged a fee. I do have this. 

In XX/XX/XXXX I noticed that I was being charged {$25.00} fee. I called ( XX/XX/XXXX ) and was told my XXXX XXXX that it was a mistake and a check would be sent to me within 5-7 days. I closed the account. That did not happen, called again XX/XX/XXXX, told the same, but still no refund. Called approximately three weeks later, told I would not be getting any refund, not would they make the account information available to me, even after I told them I needed it for Income Tax purposes. I request the {$25.00} as promised.
Consumer complaint received 2022-08-17
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: GOLDMAN SACHS BANK USA (FL)

XXXX months ago I applied for the apple credit card through the apple wallet app. It said I was denied due to the fact there was an account already open. I had gotten sent a number to contact the company about fraud. I spoke with a man about the fact I have never used/received a card from the company. He proceeds to tell me the name on the card and it happened to be by someone, a man, I have never heard of in my life. I told him I didn't know the person and it wasn't me. He canceled the card, said it would be under investigation and to apply for it again in XXXX days to get myself the card. Sometime in XXXX I applied again and the same thing popped up. So I did the same thing and called the company, went through the same process. XXXX I applied again. Same thing happened AGAIN. So I sat on the phone with the company but this time I tried to get information to file a police report. The company wouldn't tell me anything about the person nor give me reports as evidence to build a case. They kept hanging up on me and I kept calling back repeating myself for an hour straight. I wasn't getting anywhere with them. Finally I gave up and filed a police report last month in XXXX to the XXXX XXXX sheriffs office. I called yesterday to check on my case and they told me it was inactive because there wasn't enough evidence to further the investigation. The number I have been calling for apple is XXXX.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report
Consumer complaint received 2019-03-19
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)

My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have one closed account that is reporting negatively on my Experian account only. This is a XXXX XXXX account where I have never been late but is showing on Experian that I have been. On XXXX  and XXXX  this same report shows zero lates. I have requested this to be corrected but Experian several times to no avail. There has been no proff provided to show that this reporting is even accuarate as it is not. This inaccurate reporting history is not only a detriment to my credit file but also does not accurately reflect my payment history. There is also a XXXX account where I have submitted documentation that it was fraudulent that is still reporting on my credit file with numerous lates and a balance. I have contacted XXXX to close this account but Experian is till reporting an open account. At this moment, these fraudulent and inaccurate accounts are only reporting on my Experian credit report as the others have deleted or corrected this incorrect information. This situation has been going on for well over a year and I do not feel the representatives are aware of the trauma and physical and mental anguish this places on identity theft victims. I have also reached out to the CEO of Experian for assistance in this matter as this has been going on for well over a year. 

The fraudulent account to be deleted and blocked is XXXX. Also, I would like the closed XXXX XXXX payment history to be accurately updated to show no lates. 

Please see attached for the police report and supporting documentation.
Consumer complaint received 2021-12-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (IN)

I contacted the company to confirm the debt and it was accurate and the amounts they were suggesting I owed. I offered to pay what was set to be paid, even though all services were not provided to me. They threatened instead of resolution to file with the credit reporting agency instead of verifying the debt, confirming the amounts were owed, in fact saying they did not have that type of communication available to me. My only option was to pay the full amount in payments or credit reports. They then reported my credit against the Fair Debt Collection. https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (FL)

I got a loan from XXXX and the XXXX holder was bridgecrest.I XXXX XXXX XXXX and the car was repossessed on XXXX XXXX also a agent told that I was informed about this .I explained I never receive in paper documentation in the mail in regards to how much I was default by I wasnt able to obtain my things before the car was even sold or afther .Also their a lot of stuff on the contact that was not explained to me .Also they reported XXXX different amount to XXXX different via XXXX  and via XXXX.They also have XXXX complete different dates in regards to the repossession.
Consumer complaint received 2021-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NV)

I have made 33 payments. I have had 2 extensions on the loan. I owe the same amount I did when I bought the car as well as have been told I am still late even though I am one month ahead of the actual billed contract and the down payment was not applied at all to the loan. The interest rate is supposed to be 17 % but they have charged a 95 % interest rate so far on the loan by compounding 17 % per month instead of a 17 % apr. They are illegally charging fees as well as threatening with repossession on a loan that is current. This company is violating multiple federal and state laws and being deceitful to a XXXX person as defined by the ADA. Also the contract amount states XXXX XXXX monthly payments. They have been charging XXXX XXXX  monthly every month with is illegal to charge a different amount monthly then the agreed upon amount. As shown in the picture of the original contract.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are in Breach of the Arbitration Clause in the said contract by sending the debt to a collection agency. Since the contract has been breached, I demand removal of this account. 


To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ {$6300.00} ]. 

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2021. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 15 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 


In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Consumer complaint received 2020-07-13
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. (FL)

I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/XXXXand it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : DEPTEDXXXX XXXX Balance {$0.00} ) Collection : US DEPT ED XXXX XXXX {$310.00} ) XXXX XXXX Balance {$120.00} )
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IN)

hunter warfield, XXXX XXXX  XXXX XXXX, XXXX florida XXXX is the company this complaint is about. they are attempting to collect a debt of {$1300.00} that i simply do not owe. it's a bogus made up debt by XXXX  XXXX in XXXX XXXX. i lived at XXXX XXXX in XXXX XXXX. for 12 months. from XX/XX/XXXX to XX/XX/XXXX. i signed a 12 month lease, stayed there the full 12 months, and paid the rent on time every month. when i left the apartment it was in the exact same condition as when i moved in. i didn't even ask for my security deposit back when i left the apartment. if anything they owe ME. now, i am a XXXX, XXXX old man seeking a low income place to live here in XXXX. i will soon become homeless. every apartment application i fill out is denied because of this bogus debt. twice i contacted hunter warfield to dispute this bogus debt so i don't end up homeless. and twice the person i spoke to became very, very rude and obnoxious with me on the phone. i got rude back cause that is just my nature when someone gets rude with me as they did. i attempted to explain my urgent situation to them, and never got a chance to finish before they became very rude with me. i scratch and claw to get by month to month on a small disability check, so it'd be impossible for me to pay this if it was a legitimate debt, which it is not. besides their phone reps being very rude, hunter warfield is a company that puts pennies ( that's what {$1300.00} is to them ), ahead of the well being of a XXXX, XXXX, XXXX old man. greed above compassion, on top of being very rude. and XXXX XXXX in XXXX XXXX. are total liars, and also greedy.
Consumer complaint received 2020-09-06
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: World Acceptance Corporation (GA)

Already payment in 2010 and still on my credit and support to be off my credit after my credit after 10 years so please take it off