davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I applied for and was approved for an auto refinance through Capital One in XXXX. My first payment was due XX/XX/2019. I signed up for autopay using my checking account. My payment came out as planned in the amount that was supposed to come out. I received an email from Capital One confirming my payment had been made and credited to my account. Then, I received another email saying that my account requires attention. I logged onto my account and it says that I am past due. I called Capital One and they have opened 2 duplicate accounts for the same vehicle in my name with two different payments without my knowledge. I sat on the phone for over an hour and spoke to three different representatives before the third one mysteriously just came back after leaving me on hold for several minutes and said her system was down, that she couldn't help me, and to call back later. My credit score went down 10 points because my report shows that I took out 2 consumer loans and the second fraudulent loan opened without my authorization by Capital One is past due, but I can't get them to help me because their systems keep mysteriously going down when I try to have the second account deleted.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OR)

Under the stipulation of 15 US code 1681i ( 6 ) ( B ) ( III ), it is mandated that consumer reporting agencies ( namely XXXX, Equifax, and XXXX ) are required to furnish a written notification to a consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted durning the verification process along with their contact number. over 30 days ago i solicited documentation to substaniate this account yet I have received no such documentation, without legitiment poof or backing these accounts, it has no basis to be included in my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am beyond upset and puzzled with how you CRA 's agencies break the law or have no concern with following the procedure required to report information. I've talked to lawyers ( several ) and I've even studied the metro 2 data rules you are supposed to be following as well. So your own reporting standard is violated and then you also violate the FCRA. I spoke with the courthouse and they told me - they do not verify any information with credit reporting agencies ; thus, you are in violation of the FCRA and the spirit of the law. You are even in violation of your own Metro 2 data  standards. Delete this account from my reprt
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (MN)

I found out about a credit product available to me, for a 0 % APR deal on balance transfers, with just a fee as a % of the balance amount as the only fee. This all appeared to go through fine, and I actually had the money deposited into my bank account instead of transferring the balance directly. This was nice and easy. HOWEVER -- on my next statement, the balance transfer amount is not separated from my purchase amount. My billing statement shows a total amount of balance ( {$3400.00} ), as well as a min pay due amount of {$70.00}. What this statement does not indicate anywhere, is how much total needs to be paid to account for my purchase amounts, which would accrue interest if not paid in full, while my balance transfer amount and fee are accruing no interest until XX/XX/2020. I had a lengthy conversation with an agent online in a chat who finally stated the amount I had to pay ( for which they would negate any interest accrued ) was my purchase balance of {$390.00} + the {$70.00} mpd. It is misleading to a consumer who is not aware that the entire balance is at a 0 % apr, or having the option to indicate when making a payment that the amount you are paying down should be applied to the purchases you've made, while allowing the balance transfer amount to stay put until closer to the XX/XX/2020 date that interest will begin to accrue. It is clear that Discover is trying to swindle interest money out of consumers that aren't diligently checking their account or terms of interest by combining these two balances, not clearly stating the difference on the statement, or allowing an option when making a payment to pay off the total amount that will be accruing interest charges in any given month when a balance transfer with 0 % apr has been added onto an existing credit line. I will apparently have to continue checking in every month to have " interest waived '' and make sure I am paying the correct amount because it is not clearly stated on my printed monthly statements.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XX/XX/1984 last four of ss # XXXX I am writing because after several DISPUTES i have finally been granted REMOVAL of an account from XXXX  and XXXX. I am writing because this account is still appearing on my XXXX  file and I would like it to be REMOVED as well. 

I want my credit file to reflect accurate information and if the dispute process yielded results to DELETE the account, I would like for this LVNV account to be removed from my XXXX file. 

XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I was directed to sign up for an account with them and I had no notice that I was being made to sign up for their credit monitoring service. Why would I want the people who already got my info hacked to manage securing my info? I was told I needed to sign up for an account to see their services. Once I finished signing up for a username/password I get a notice from my bank that they charged me {$26.00} for a service I already get for free from my credit union!!! This is at best shady, and at worst fraudulent. Considering I see they have already been sued for this XXXX in the past they need to refund my money. I will call them repeatedly until I get my money back.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2013 I got a car loan from Wells Fargo. I was paying XXXX $ For a warranty that did not cover everything they told me it would cover on my truck. Every time I would take my truck to the dealership they would tell me that the warranty was only for electrical stuff and I would end up paying out of my pocket. The loan was 72 months and when I called Wells Fargo to stop the warrantie that wasnt covering anything for me they told me that I couldnt stop paying for it. They said that I have to pay for it. They couldnt give me an explanation about it. So I kept paying for it. I just want to get reimbursed. I need justice.
Consumer complaint received 2021-01-23
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2020-04-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Several investigations with Equifax were submitted for two 2 separate issues. 

1. Account with XXXX XXXX XXXX mortgage account XXXX is still reporting an incorrect late reporting in XX/XX/XXXX. This account was never late and should reflect to say that. Equifax failed investigation closed XX/XX/XXXX and it shows a code XXXX late in XX/XX/XXXX. XXXX XXXX XXXX shows no late reporting in their system. 

2. Account with XXXX XXXX  ending in XXXX is reporting incorrectly as a charge off with balance. This account was settled and paid and closed as of XX/XX/XXXX as agreed upon settlement letter that was executed. This account should reflect closed and paid for less with XXXX balance
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (GA)

I paid my mortgage with XXXX XXXX on XX/XX/2019, their system had issues and when I finally got to pay it was after XXXX. I noticed a couple of days later that a credit monitoring report said I have a payment 30 days late on my mortgage. I called XXXX and was told that it was a mistake and would get corrected by a letter getting sent to the credit beaura. When I called to follow up weeks later I was told because I made the payment on XX/XX/2019 after XXXX it's like I paid in the XXXX. I think this us unfair because 1 the rep told me that it would be corrected, 2 I never knew about if a payment was made after XXXX it was for the next day, and 3 i actually paid on the XXXX which actually is a day before the XXXX. But they will not remove the negative report.
Consumer complaint received 2019-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

From XX/XX/2019, the loan payment has adjustment per income which I agree and the agreed amount was debited automatically. But, Nelnet indicates that the old, prior monthly payment amount, was also due at the same time ( in XXXX ) as the adjusted amounts and shows that there is a late payment for XX/XX/2019. On top of that, they charged interests of the invalid late payment.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Prosper Marketplace, Inc. (NV)

Prosper Loan Inc. called me on XX/XX/13 at XXXX XXXX  to let me know I was approved for an {$8000.00} loan. I never applied for a loan with them but was a victim of identity theft. Then they began to repeatedly text message me. I have received XXXX text messages since the first call and have requested they stop all contact with me.
Consumer complaint received 2022-03-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXXXXXX / {$0.00}
Consumer complaint received 2021-04-03
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. (NV)

XX/XX/2020 I sent notarized documentation to both XXXX  and Equifax credit bureaus. XXXX account failed to respond within the 45 days. 
I had to resend notarized documentation again in XXXX to get the account reinvestigated. 
Now Im being told that if XXXX does not send the documentation stating that account is closed it will remain on my account. 
XXXX has provided me with the deed of foreclosure with a balance as of XXXX Im not responsible for this account and XXXX and Equifax keep allowing inaccurate information report on my file which is creating undue stress and credit worthiness. This is affecting employment and credit.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

See attachments These were sent to all 3 credit Bureaus. They all put a fraud alert on my file with out my knowledge. This is against the law and the FCRA standards. They also put a bogus phone number on there as well that I am not associated with. They did this because all of these bureaus were reported for not deleting Hard inquiries on my credit file that I did not authorize and they can not prove any signature or ID to back there investigation up. There was no investigation done by anyone. They have been warned and I need someone to do something about there Fraudulent behavior. I need this taken care of with in 10 days. They have received 12 different letters about removing the hard inquiries each. I have dont my part and they will not screw up my life any more.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (IL)

I received multiple hard inquires from US BANK XX/XX/XXXX and XXXX of XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX BANK AND XXXX XXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed that this company has been reporting inaccurate items on my credit report that are negatively impacting me. I reached out to these companies over 60 days ago and still haven't gotten my issues resolved nor have I even got a response. I attached the letters and documentation to verify my identity for confirmation
Consumer complaint received 2021-04-03
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. (CA)

XXXX  XXXX ran two hard inquiries for a secured credit line, bringing my credit down 17 points, devastating as the secured credit card is for helping build credit and the creditors take zero risk as I cant spend over my own deposit,. This act is predatory and no reason for two hard inquiries for a credit line that was excepted? was also told it would be a soft i inquiry as its a secured credit card
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

Based on my submitted complaint below I am now being harassed with phone calls in an attempt to collect a debt that is not owed. My account is currently update but the company closed it regardless. 

Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. XXXX XXXX
Consumer complaint received 2021-04-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

My closing costs have increased over $ 6k more than originally qouted when I started my loan. I filed a complaint about my 3 month closing time frame taking over 6 months and not being able to get in contact. They responded to the complaint quickly ( XXXX ) but now have taken over a month to get new paperwork to finally close. Once we got our new paperwork they increased our closing costs by over $ 6k compared to the paperwork last XXXX. Seems like they are holding me responsible for the time to close when they where nonresponsive for so long. 

My credit has now been run 3 times for this loan. The 3rd time on XX/XX/2021 without my authorization. This is now a hard spot to be in. They have dragged me on so long I can't go to a different company because of the recent increase in rates. I have been paying additional interest on a loan with a higher rate when I was suppose to be closed over 100 days ago. I am not sure at this point if my loan will close. This is such a waste of time to deal with company. I have not signed my documents because of the large increase in closing costs. I emailed everyone that I have dealt with on XXXX  XX/XX/XXXX quickly after receiving my new documents and have not received an answer. At this point I want my loan closed. I don't want them trying to up my fees to make up costs or running my credit again to find a way out. This is so time consuming and draining. Multiple credit pulls shows it is negatively affecting my score on my XXXX XXXX app. Hopefully someone at Penfed can figure this out since my last complaint says resolved but I am still experiencing the same issues with Penfed.
Consumer complaint received 2021-04-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

My husband is a 100 % permanent and total XXXX veteran since XX/XX/XXXX. Since this date, I have attempted to work with my mortgage provider, XXXX XXXX XXXX to correct my payment information to reflect that real estate taxes at the city and county level are not required. I have provided the appropriate paperwork and it has been acknowledge as received. I have called our mortgage provider every other week and emailed every other week since XX/XX/XXXX. During my call today, it was acknowledged that the " ticket '' from XX/XX/XXXX was opened and closed and just today ( XX/XX/XXXX ), they are re-assessing the tax and escrow portion of my account. I am at a loss of what to do next as I have exhausted all the avenues I am aware of with my mortgage provider to resolve this on my own. Any assistance that can be provided to help reconcile this is greatly appreciated.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

Every time I try link my Pnc account with an app, Pnc blocks it. Its my account and my money and I want to link it an account like other banks allow their clients to. Pnc shouldnt be able to decide when I can or cant access my account!!
Consumer complaint received 2022-01-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (PA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 ( 67 days ago ), exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below. 

1. USDOE/XXXX  : Account number : XXXX I was never late. Please remove this account from my credit report. 

2. USDOE/XXXX : Account number : XXXX Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

3. US DEPT ED : Account number : XXXX The reported balance is incorrect. Please delete. 

4. US DEPT ED : Account number : XXXX There should be a zero balance. Please delete. 

5. US DEPT ED : Account number : XXXX The date of last activity is incorrect. Please delete. 

6. US DEPT ED : Account number : XXXX This account is reporting inaccurate and unverifiable information. Please delete. 

7. XXXX XXXX  XXXX : Account number : XXXX The reported balance is incorrect. Please delete. 

8. XXXX XXXX : Account number : XXXX There should be a zero balance. Please delete. 

9. XXXX XXXX XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately.