davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

This company does not report to all credit bureaus that debts hv been paid, They reported that i paid my debt to XXXX XXXX XXXX XXXX XXXX to XXXX but refuse to send the information to XXXX. Capio partners XXXX file id XXXX original account # XXXX paid XXXX to XXXX XXXX for services XX/XX/2012. Thanks
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NH)

I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. 

The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. 

Regardless how this turns out I will write a notice on XXXX review and XXXX warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and medically XXXX arent wanted.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ). <P/>The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX
Consumer complaint received 2017-07-14
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. (GA)

I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX XXXX. <P/>
The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.
Consumer complaint received 2021-09-09
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. (TX)

According to the FCRA laws Section 609 the consumer agencies have 30 days to verify the validity of this account failure to do so have resulted in a complaint with consumer finance. According to Section 617 civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. Continuing to report this account has hurt my credit and I ask it be removed immediately.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: LEXISNEXIS (NY)

three months ago i contacted  Lexis Nexis Clue  report and filed a dispute with them as to the inaccuracy of the information they supply to insurance companies is causing me not to get affordable insurance. It seems that they are reporting accidents that should not be on my report since it was founded that i was not at fault. these accidents was 1 flooding of my car and 2 vehicles that were not mine but my son 's ( registered in his name } within a  three  month period were totaled while parked in a parking lot over night. this inaccurate reporting is causing me to pay higher rates of insurance. I am accurately being cancelled auto insurance because of this report. And if they are reporting this on mine and my son 's report then they are double dipping two of these accidents should only be on my son 's report and not mine.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (CA)

I get notifications from XXXX when something happens on my credit report and I got a notification that I had a debt that was sent to collections and was already on my credit. I have never received a call or anything in the mail stating that anyone was trying to collect a debt from me. 

The debt is an {$84.00} dollar bill from XXXX XXXX and XXXX ( XXXX XXXX XXXX ) for a rental property that I own. I do not live there, I have tenants there, so I should not have been receiving a bill anyway. But, once I saw it come onto my credit, I called XXXX XXXX XXXX immediately and paid it ( XX/XX/2019 ). I spoke with XXXX & XXXX about the fact that I was not contacted and they referred me to the debt collections company, National Recovery Agency. I spoke to a person at the National Recovery Agency ( XX/XX/2019 ) and they said they can not close the account out until they have notification from XXXX XXXX XXXX, I called XXXX XXXX XXXX back and they were processing the information and would have it sent to National Recovery Agency. At the same time, I had asked the agent at National Recovery Agency why I was not contacted by phone or voicemail or through a letter in the mail. She said they had called me but they did not leave a voicemail because they said they are not allowed to leave voicemails if my name is not on my voicemail, my full name is on my voicemail so that can not be true ( XX/XX/2019 ). 

I am in the process of getting a loan for a house and this has took my credit score down by 60 points, and obviously that makes a huge difference in what kind of interest rate I can be approved for. My lender asked me if I could contact National Recovery Agency and have them put into writing that they would be closing the account out as soon as they received notification that the account was paid from XXXX XXXX XXXX, they said they can not do that so I asked to speak to a supervisor ( XX/XX/2019 ). The supervisor that I spoke to is named XXXX XXXX - she would not give me her employee number but she gave me her extension number : XXXX and the phone number is : XXXX. While speaking to XXXX XXXX, the supervisor, I asked why I was not contacted and why no one left me a voicemail when my full name was on my voicemail, she could not answer that. We then spoke about why this bill was put onto my credit without me even being contacted first. Ms. XXXX stated that they have 5 days after initial contact to send the debt information in the mail. She is saying that the initial contact was XX/XX/2019, when I contacted them. So from that point, XX/XX/2019, they have 5 days to send the information in the mail. I understand that, my question is if they are claiming that XX/XX/2019 was the initial contact then why was this debt already sent to my credit report? If they had never had contact with me then I was never given the chance to rectify or dispute the debt.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (VA)

I submitted a dispute through Experian regarding an old auto loan and repossession showing on my credit. Now the debt shows as just recently charged off, which is invalid. The last payment on the vehicle prior to repossession was over 13 years ago. It states on my credit file that it was past due as of XX/XX/XXXX, but that is an error on the part of XXXX XXXX ; as you can see from the attached XXXX report it was really last paid on XX/XX/XXXX. Per the Fair Credit Reporting Act, this account should have only remained on my credit for up to 7 years, but XXXX XXXX fraudulently reported it again in XXXX, though I made no payment arrangements with the company, nor did I enter a settlement for this debt. The statute of limitations for this debt, which was my ex-husband 's in our divorce settlement, has long passed and this should be cleared from my credit report. Be advised that the last name was under my then-married name of XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (GA)

Recently I sent a letter to Central Financial Control asking them to validate a debt that was listed on my credit report. In response, I was sent some documents with my information typed in, with a signature and initial that is not mines. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPPA. When I contacted Central Financial Control about my findings, they confirmed that it was not my signature based on a copy of my Driver 's License they received from  XXXX   XXXX   XXXX  ( Original Creditor ). Also, with this proof, Central Financial Control refused to remove it from my credit report, stating that they have no way of doing so unless the account is paid in full. I then contacted  XXXX   XXXX   XXXX  about this debt and was told that they could not assist me because the debt in questioning was sent to collec tions ( Central Financial Control ). I feel that I  am being treated unfairly as well as forced to pay a bill that I had no knowledge of and by pending someone else paperwork and signature of acknowledges on me.
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (GA)

Sun trust bank is charging me over draft coverage charges. I have no overdraft coverage on the account and have file complaints in the past about this illegal practice. Further, there should not have been any over drafting because ample money was in the account on the day in question,  XXXX / XXXX /  XXXX  . I personally electronically transfer money from my  XXXX   XXXX  account to the Sun trust account before  XXXX  on that day.     There was no over draft because I do no have over draft coverage. If there is insufficient funds then the transaction should be denied. However there where sufficient funds.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

5/3 stole {$1000.00} from me and has been lying to me and XXXX  XXXX XXXX ALL YEAR When you see attached pictures of my online chats with 5/3 you will see I HAVE HAD SEVERAL ISSUES with this card spanning since last XXXX. Plus check my 1-2 other 5/3 CFPB complaints. JUST NON STOP NEGLIGENCE In the pictures you will see that this company lied to me and promised me that all future payments be canceled, yet they were not. NOW Ive been spending the last 3 hours talking to the Credit dept., then checking dept, then internet services dept. and now Credit again! The credit dept said the money came out of your checking so theyre the only ones that can reverse this payment, then checking said same about internet services and now internet services is pawning me off back onto the credit dept AND NO ONE WILL GIVE ME MY MONEY BACK! 

As soon as I can get away from the monsters and close all accounts I will
Consumer complaint received 2017-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MSW Capital, LLC (PA)

I sent formal notice, via certified mail, to XXXX XXXX XXXX on X/X/2017 disputing a derogatory status on my credit report. The account is listed as closed, with a XXXX dollar balance, however, it states on the credit report that it is a charged off account. The account is reporting deragotory on my credit reports. XXXX XXXX XXXX responded with a letter on X/XX/2017 stating that ownership of the account was transferred to MSW Capital , LLC and on my behalf they have forwarded my inquiry to that agency. No disputes were placed on my credit report in the 30 day window as per Fair Debt Collections Act and the Fair Credit Reporting Act. I sent another letter, via certified mail, on X/X/2017 to MSW Capital , LLC requesting validation of the account and have never received ANY correspondence from them regarding my letter. By not responding in a timely manner, they have violated federal and state laws, and have also failed to furnish any documentation bearing my signature that the account is reporting correctly.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MD)

I returned my leased vehicle and purchased a new vehicle with the same dealership, XXXX, in XXXX of 2019. The sales and finance departments both told me at the time of purchase and financing that my final car payment on my lease is not to worry about, they will roll it into my new financing since I purchased a car with them. I've been paying my new car loan on time with zero problems. 

I never received any bills, calls, or anything in regards to a balance. But they decided without communication to put a balance in collections. 

Why would I pay my lease for years, on time, buy a car from them near the end of the previous lease, then decide not to pay? 

Now, they will not remove what they put on my credit report. I have been hit twice, knocking my score approximately XXXX points now, for a balance I do not owe. 

The last dispute I sent in, they finally wrote me a letter asking for documentation. I sent them a letter back explaining what happened in 2019. No other communication was made, they ignored my letter, and hit my credit score again a few days ago. 

I do not have a balance and this is actively harming my finances.
Consumer complaint received 2018-03-26
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. (TX)

This issue is the same for all Americans. The 3 credit reporting service track high utilizations of consumer credit cards. Well all members users of these credit reporting service are having the credit scores drop by 30 points for using and paying credit on a timely basis. For example I order a part for my car back in XXXX the part was {$250.00} plus tax. XXXX would allow me to use a debit card so I had to use my credit card from XXXX XXXX. That same week I paid the balance in full for the part I ordered to my credit card balance. But the reporting of XXXX, XXXX  and Experian is still reporting that I have a balance of {$200.00} dollars on my XXXX XXXX credit card and it has been paid in full since XXXX.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

Hello, My husband and I both had credit card accounts with Capital One. We are stationed in XXXX on a military base. Capital One will not send paper bills. They require a US phone number to use their two-step verification process to see your bill online. We do not have a US phone number. I called them to ask for a resolution - essentially, how can we view our bill? They said there is no way for us to view our bill unless we get a US phone number. I cancelled both our accounts. However, Im registering a complaint because I cant believe its legal for a credit card company to refuse to provide a monthly statement. Thank you.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank  of America ( BoA ) purchased my mortgage seven years a go and has paid my home owners insurance from escrow every year until   XXXX   when they failed to make the payment. The insurance lapsed for non payment. BoA did NOT notify us of this. We had a pipe break after the lapse and when we contacted the insurance company they informed me policy had lapsed for non payment by BoA. I contacted BoA and they acknowledged receiving the declaration from insurance company but could not explain why they did not pay. BoA began changing their story but continued to provide no solution. BoA promises return calls but never has called me. They have done nothing to help with the damage. I call, they tell me to try and get my insurance company to pay. I have wet, sagging drywall, wet carpet and mold that is increasing every day. No response from BoA. This is a crime. Negligence in servicing my loan. Inhumane treatment.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX Wells Fargo charged a {$50.00} " REWARDS ANNUAL MEMBERSHIP FEE '' on a credit card which they stated had no annual FEE. The fee was charged to a card that had not even been activated in my business account. If it were not due to my diligent inspection of my account I would have also accumulated interest fees. When I called to report card fraud for transactions made to my account without my permission they refused to allow me to either electronically ( disabled in their system ) or over the phone submit a fraud claim. They were willing to " provide a credit for the fee '' stating that this was a " system error '' as if they were doing me a favor. <P/>My primary concern is for other customers who will fall victim to deception intended to result in financial or personal gain by an institution paid for the service of protecting their financial interest.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ROBINHOOD MARKETS INC. (FL)

I reached out several times to Robinhood to reactivate my Spending Account. The most recent response I got from them which I have email stated that I have opportunity to have access.Unfortsmely nothing has changed. All I want is to have full acces.
Consumer complaint received 2017-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC (PA)

Cavalry Portfolio is incorrectly reporting a balance on my credit report in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing. Bankruptcy law requires all collection activity to cease, however, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, Cavalry is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX. XXXX. XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all.