davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC. (MI)

The vehicle that I am purchasing, is finance through Tidewater. It is under a recall, on the engines The vehicle was towed to the dealership where i purchased it. The dealership stated that they could not look at the vehicle for three months and they did not know when it will be fixed. I reached out to all the four dealerships that service the vehicle and they stated the same. They also said they don't have any loaners available. It has been going on four months. They state that they are overwhelmed and can't do any better. I call every day and they say the same thing. I have explained this to Tidewater, but they still say it does not matter, I have to continue paying on a car that I do not have or use. I don't have anything to drive and don't know when or if I'll have something to drive. I want to work something out where my credit doesn't get bad for none payments, but it doesn't make sense to make a XXXX payment every month, on a XXXX XXXX XXXX that you can not drive. If Tidewater could work out something with me until or if I get a car back, or even if I can get a loaner, it would be helpful to me. I am a senior and this is very difficult with no transportation, but paying for one.
Consumer complaint received 2017-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Date reported : XXXX/XXXX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XXXX/XXXX/XXXX Status UNPAID Balance Date XXXX/XXXX/XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxxx XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency XXXX/XXXX/XXXX
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

I sending {$500.00} to nephew in XXXX Remitly charge me {$9.00} supposed to put into my nephew checking accent in XXXX XXXX that was in Friday XXXX XX/XX/2021 around XXXX XXXX  today is XXXX XX/XX/2021 I still waited deposit according Remitly speak w XXXX XXXX  and told the customer support the system doesnt work but for my surprise I already sending 3 different amount to that checking account one for {$60.00}, {$50.00} and {$85.00} dlares and he received in five minutes in that transaction no was problem so I call back Remitly and let know what going on the supervisor XXXX promise to call but still the company they dont know where are my transfer of the {$500.00} and with the promise will come back to me in hour .now in pacific time I still waited for answers my call and nothing happen.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Before all my accounts where absorbed by NAVIENT, they were deferred, so its Impossible that there was a late payment on XXXX XXXX. Most likely what happened is that because of the big change from us department of education loan services to Navient exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XXXX for 90 days when until XXXX everything in good standing as well as XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an 8 month old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
PM
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

Citibank incorrectly coded my credit card account as having been included in a bankruptcy filing that was not mine and then erroneously reported this information to XXXX in XXXX of 2017. As a result, my Citibank account was frozen and my credit report for XXXX  showed that my account was included in a bankruptcy, which is incorrect. After several weeks of phone calls with Citibank, and explaining to various representatives that I had not filed a bankruptcy, I was able to get the name of the lawyer listed on the bankruptcy filing they were attributing to me. The lawyer, who is located in Wisconsin ( I live in Virginia ) confirmed that the bankruptcy filing was not mine, but was for an individual with a similar name and social security number to mine. I was able to get the lawyer to submit a letter to Citibank indicating that the information they were using/reporting about me was erroneous. Eventually, after many weeks, Citibank finally accepted responsibility for the incorrect coding of my account. At that time, I was told by Citibank that my only choice of action was to pay off my balance, because my account was now closed and could not be reopened. I paid off my account balance immediately and my balance is now XXXX and the account is listed as closed. However, the erroneous information from Citibank remains on my credit report for XXXX and has resulted in a significant decrease in my credit score. I filed a dispute with XXXX, but the only resulting action was to add a note that I disputed the information. It is important to note that at no time have any public bankruptcy records been added to my report, because I never filed for bankruptcy, now or in the past.
Consumer complaint received 2017-11-18
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: CITIBANK, N.A. (NY)

I have had the Citi Sears card since 1995. I have been a responsible cardmember paying my balance off and on time. As it is a Sears branded card, I believed I was earning Shop Your Way Rewards Points. When I log onto my Citi account the Shop Your Way logo is everywhere. When I went into my Sears  Shop Your Way account ( separate website ), I was shocked to see I had {$0.00} in rewards. I called Citi and found out I was in the Thank You rewards program. I have never heard of this program. I asked what were my rewards and they said {$0.00}. There is NO mention of the Thank you rewards program on my account when I log in or on any of my statements. I use my card so I would expect I would have a decent amount of points. Citi only offered to link my card to my Sears Shop Your Way account and I would earn points prospectively. They would not give me any rewards points even for the current statement. So for the years of spending on a Sears branded card where I believed I was earning Shop Your Way points, I have NOTHING! Not one reward point. I feel I was taken advantage of and misled. I should have a decent amount of points. This is extremely disappointing.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2017-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

Comenity Bank, representing Victoria Secret, has called me SEVEN times a day, EVERY day, for the past week ( XX/XX/XXXX-XX/XX/XXXX ) from an UNKNOWN number. I am past due on a payment, but my account indicates a new minimum payment due - including the past due payment and late fee - on the next billing cycle ( XX/XX/XXXX ).
I told them when they first started calling, 5 days after my payment, that I was not able to make the past due payment until my next payday and that I will make sure the account is paid up to date by the current due date. I advised them to not call back regarding this payment, unless XX/XX/XXXX passes and they have still not received payment.
That stopped the calling for a day, and then it continued. They call a minimum of 7 times a day between XXXX and XXXX.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CT)

On XXXX XXXX I attempted to get my credit report on Equifax web site and it said the information did not match their records. Equifax has not updated my student loans accounts XXXX XXXX XXXX/XXXX accounts. 

They where consolidated on XXXX XXXX and my Equifax report still shows balances and that the fifteen accounts open with balances. 

This is negligence on their part and I am writing this complaint because they have not updated my report to reflect the account closed and paid.
Consumer complaint received 2017-11-18
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. (GA)

This is incorrect information. The company removed it because it is incorrect. Now, it is being reinserted. It is incorrect reporting. 

XXXX XXXX BANK XXXX XXXX A Account Number XXXX Account Type Collection Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Unknown Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit -  Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Ownership Individual account Original Creditor XXXX XXXX BANK NEVADA XXXX A XXXX Company Sold-to - Original Amount {$700.00}
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have sent Experian a letter to reinvestigate accounts on my report that are being reported as open after they have indeed been closed. XX/XX/2021 I got a response saying the investigation was complete but the accounts are still on my report and being reported as open. I have contacted the collection agencies and they have verified that the accounts are indeed closed and it is up to Experian to report them accurately.
Consumer complaint received 2017-10-07
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. (FL)

5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my transunion credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but transunion and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (TX)

After having zero late and/or failed payments for over decade with this store card, I received a letter in the mail from Target ( TD Bank ) stating that they are about to send my debt to a collection agency. Alarmed by the letter, I immediately logged onto the website and made a full payoff payment as I have done whenever a payment is due. It took only minutes to confirm that my requested auto pay was not put into place as requested the month before. I called Target card customer service directly and they advised there was an error in putting the auto pay in place and they will waive the late charge as a result. Without even initially asking, they brought up they could not stop or correct the 30 days late on my credit but only was going to help me set up the auto pay again. The call resulted in no help for what was clearly even more alarming than I realized prior. I pulled my credit and found the same for XX/XX/year>2023, so I emailed an escalation to the creditor only to receive a response that they were sorry I didn't get the email stating that they hadn't received the payment. I looked and found no such email received at the time. Now I am left with an apology, late charge credit for the issue and an unwarranted 30-day mark on my credit report for the next 7 years. I tried to address this with the creditor over the course of several months with the same result. I feel I was put into a false since of security at the time that has since been acknowledged by the creditor, but that I must deal with it for the years to come. I have always paid my bills and it was with auto pay I thought it would ensure the trend would continue. The creditor has left me with the only late payment on my credit for what has always been a 100 % payment history for all my creditors. Looking at message boards, it seems that Target card holders have faced the same for years. Given the feedback received from Target to date, it is my belief they failed to address the issues related to the FCRA ( and other related federal legislations ) and didn't act in good faith to protect against negligence towards the consumer.
Consumer complaint received 2022-09-10
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: Prince Parker & Associates (GA)

In accordance with the Fair Credit act PRINCE PARKER AND ASSOCIATES Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Consumer complaint received 2021-10-04
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. (FL)

I have written to Equifax three times. In reference to items on my credit report. They have not responded or investigated my issues with the information they are reporting. 
First letter mailed XX/XX/2021 Second Letter mailed XX/XX/2021 Third Letter mailed XX/XX/2021 I have attached every letter sent to them with no response
Consumer complaint received 2017-10-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

RE : Capital One Auto Loan From XX/XX/XXXX- XX/XX/XXXX.
This loan is paid in full. I have received my title to my XXXX XXXX XXXX.
Through the loan payment process 4 payments are marked LATE. These payments should not be marked late. This impacts my credit score and ability to borrow.
Three times I have contact Capital One Auto Finance regarding this situation. As previously stated to Capital One Auto. I moved 3 times through out a 2 year period ( From XX/XX/XXXX- though XX/XX/XXXX ). Change of addresses was from XXXX, XXXX to XXXX, XXXX to XXXX XXXX, XXXX. Missing mail statements. Also, payments bounced back repeatedly. This was an uncontrollable and unfortunate situation. I could not control the US Postal Service.
Capital One Auto Finance refuses to amend, adjust the multiple late payments that should not have been. Capital One Auto has been paid in full on this loan and also, on a previous auto loan. Capital One needs to give me a letter titles to me and the credit reporting agencies waiving and clearing the 4 late payments on my credit.
Consumer complaint received 2017-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OH)

The debt was paid in full in mid XXXX ( {$110.00} ). Then they took another {$55.00} out of my account on XXXX. Then mid XXXX they sent a statement showing they owed me a refund on {$55.00}. Despite this they took another {$55.00} out of my account which then caused an overdraft charge from my bank of {$35.00}. I have contacted them and they said send documentation which was on XXXX/XXXX/XXXX ( both faxed copies of everything and mailed copies of everything ) Since this time they have locked my account online and will not respond to my emails or inquires.
Consumer complaint received 2017-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

I am currently paying this debt to XXXX XXXX they are collecting XXXX from me. This debt collection is causing me severe XXXX. I am a XXXX XXXX with severe medical issues who is making monthly payments to XXXX.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I made a purchase on XXXX XXXX. They misrepresented what they sold me. I was sold an item as new. What came was not. When I tried to make a return with XXXX XXXX, they would not comply or work with me. After 2 weeks of run around, I filled a charge back with my bank. Since I can not contact XXXX XXXX  but my bank can, I requested they get me a return label so that I may make XXXX XXXX whole again. Two times now, the representative taking my report is appalled while taking my report, yet two times now the investigation is awarded in XXXX XXXXXXXX favor. The reason being that I still have their merchandise. I still have it because they wont tell me where to return it, or provide me a return label. My bank who is supposed to protect my money is agreeing that its ok that as long as I dont know where to return the misrepresented item, then they are correct in how the transaction is being conducted. This is beyond unjust.
Consumer complaint received 2017-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

In mid XXXX my daughters debit card was stolen there were several transactions made. We spoke with 's and was told that they would investigate. She was told that they were canceling her acct. After a few weeks a negative balance showed on that acct in the amount of XXXX. I have XXXX other checking accounts and they were all attached. On XXXX/XXXX/XXXX I noticed XXXX} taken from XXXX of my other act 's. And that same amount was pending on my daughters account I called and spoke with several people. XXXX @ XXXX, XXXX @ XXXX and XXXX XXXX @ XXXX. I was told by XXXX that my daughters acct was closed and no transactions were allowed and that at XXXX XXXX. the funds would be added back to my active checking account ( please listen to recording ) the next morning XXXX/XXXX/XXXX the funds had gone thru and her account was now XXXX I began calling I spoke with XXXX @ XXXX ish, XXXX @ XXXX call was escalated and I spoke to XXXX @ XXXX then XXXX from lost prevention @ XXXX then supervisor XXXX @ XXXX the call dropped and I called back and spoke with XXXX. Everyone else that I spoke to was able to access my account with no problems. When I got XXXX in the line he informed me that ALL of my act 's had been frozen and there was nothing to be done. I then went into a branch where I was told the same thing and that this was policy and procedure. They took my money after a supervisor advised me that they would n't and would not listen to the call because they said they were following procedure.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One admits error in stopping payment on a close out check sent to myself on XX/XX/XXXX, they reissued check which was intercepted by someone else while I was away and cashed. However, they refuse to reimburse me for lost funds which they still owe me. The check amount is XXXX plus overdraft fees incurred as a result of stop payment error, documentation of these fees was previously emailed to an address provided by Capital One manager ( s ), no response received. A copy of the cashed check in question was received by myself, I had requested a copy from a manager ... The signature on it is not mine and Capital One knows this, they have a signature on file form I believe, they still refuse to do anything. They refer me to security intake team whom does not return calls, the same for a XXXX XXXX, she leaves her number in previous replies to CFPB but has not returned one message out of seven ( 7 ) left so far. She refers to a previous check deposited via mobile app from a XXXX XXXX whom I do not know, this is the same person who signed check in my name, cashed it. The check she refers to I have no knowledge of and has nothing at all to do with forged check, this appears to be a lame attempt to avoid reimbursement of lost funds which again, is in their error. She requests additional copies of documentation showing overdraft and return check fees, refers me back to security intake team whom does not return calls/messages, the same for herself. As anyone can plainly see, this is a mere run around which is a shame as this matter wont go away. Suit will be filed unless Capital One will reimburse for lost funds
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

I just recently received a report again about the XXXX XXXX collection for {$1100.00}. This issue is been on for many years and i already talk to them long time ago that this account on XXXX XXXX that they are collecting is not mine. But they keep sending a report which is happen again last XXXX XXXX, XXXX. Again, this account that they are trying to report is not mine. It been ruining my credit report for many years now.