davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

I made an order {$230.00} on XXXX back on XXXX and I never got my item. I filed a dispute with Barclaycard and Barclaycard sided with me and then a couple months later overturned it and forced me to pay it. They closed my account. I can no longer access my account. I still never got my item.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Good day. I am resubmitting this complaint as a follow-up to my previous complaint dated XX/XX/XXXX. I want to ensure that the items I am requesting to be removed, as listed in my last and present complaint, are expunged from my credit report before the end of the next 15 days. As I am scheduled to update my credit reports on that day, I am re-attaching my FTC report with reference # XXXX & XXXX. Here are the items I want to follow up for removal per bureau : -- -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (CA)

Follow-up : Complaint no XXXX Today I called Ally Bank and had spent close to 1 hour on phone but without any result. I told them many times over phone and messages that I wanted to revoke a payment authorization but they never handled my query properly. I don't know what happened to the dispute request since they had closed it long time ago.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OR)

My loan was in forbearance due to impact from Covid 19 and on a repayment plan with XXXX Mortgage who sold my loan to Community Loan Servicing in XX/XX/2021. I immediately contacted this new company to make sure everything had transferred properly and was forced to set up a new payment arrangement as the previous agreement did not transfer. After numerous hours and phone calls, I was led to believe that everything was in place and my account would not be delinquent with this new payment arrangement. I even received documentation stating I was on a repayment plan. However, it has since been reported 30 Days past due as of this month XXXX XXXX XXXX and my credit took a hit. I called to get this corrected, spoke with a rep only to be escalated, as Community Loan Servicing would not take responsibility for this issue. They repeatedly said that a repayment plan was not coverage for credit reporting though I was lead to believe so in all previous communications. They acknowledged my loan came from XXXX Mortgage in forbearance, and would look at backdating my current account with their own forbearance, but made no attempt to settle the credit issue. They gave no specific timeline on any resolution nor any promise that future credit reporting would not be negative.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Citicards has been attempting to submit an unauthorized electronic payment out of my checking account two times in the past two weeks This has overdrawn my checking account both times. I called once again today to get the matter straighten out and I was told they were not able to stop the payment and a third unauthorized attempt is going to be made which will once again overdraw my account.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

To whom it concerns : In accordance with the Fair Credit Reporting act XXXX  Account # XXXX dated XX/XX/XXXX Account # XXXX dated XX/XX/XXXX Amount {$31000.00} Account # XXXX dated XX/XX/XXXX Amount {$4000.00} Account # XXXX dated XX/XX/XXXX Amount {$220.00} Account # XXXX dated XX/XX/XXXX Amount {$150.00} Inquiry from : XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX have violated my right. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. Also 15 U.S.C 1681 section 604 A. section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BOEING EMPLOYEES CREDIT UNION (WA)

BECU, Didnt notify me of the credit card APR change from 0 to 10 %. 

Also, did not refund $ XXXX after I was scammed and fraudulently lost money from my account.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2024 an inquiry was posted on my TransUnion account that I did not do nor give my consent to anyone to do Again on XX/XX/2024 an inquiry was posted on my TransUnion account that I did not do not give my consent to anyone to do This is fraudulent activity I have taken steps with other credit bureaus to put credit freeze and locks on my credit report
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it concerns : In accordance with the Fair Credit Reporting act XXXX Account # XXXX dated XX/XX/XXXX Account # XXXX dated XX/XX/XXXX Amount {$31000.00} Account # XXXX dated XX/XX/XXXX Amount {$4000.00} Account # XXXX dated XX/XX/XXXX Amount {$220.00} Account # XXXX dated XX/XX/XXXX Amount {$150.00} Inquiry from : XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX have violated my right. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. Also 15 U.S.C 1681 section 604 A. section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-02-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CITIBANK, N.A. (PA)

My bank account was seized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted XXXX XXXX those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and XXXX has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my family.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Dealt with XXXX after paying without any late payments for years negotiating a payoff amount of {$9100.00}. There was a discrepancy amount not negotiated for repayment and XXXX reported my account as a charge off dropping my credit rating over XXXX points ( XXXX ). After reviewing my account XXXX sent apology letter for mistake and reported car paid in full rendering only a partial replacement ( less than half ) of the credit rating points taken away for their mistake. Fast forward to XXXX XXXX XXXX I get a notice from credit karma indicating a credit score drop of XXXX points with XXXX and XXXX XXXX due to remarks made by XXXX before removing the account completely from my file. This is double jeopardy! I am losing more points in addition to the ones originally lost because of their mistake. I did call XXXX and spoke with XXXX who filed a complaint for me. I need to recoup all of my stolen points because I pay all of my bills on time and I am trying to buy a home. XXXX fell to XXXX from XXXX and XXXX XXXX from XXXX! Can you also help me to get all of my points back that I have worked years to build? Thank you!
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

With USAAs history of banking, and the fair credit reporting act provided, I did not expect the notification for payment attached, The debt would be paid and would not have incurred, had the auto claim been dispersed to checking as XXXX XXXX stated in XXXX. 

A fraud investigation is necessary to resolve the issues in a professional manner. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
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: Shellpoint Partners, LLC (NY)

New Res-Shellpoint Mortgage had marked me 30 days in XXXX of XXXX after being assured I was not going to have a late payment recorded as my loan transitioned from a repayment plan to the NY cap and extend. They claim I called and suggested I wanted a repayment when in fact I have multiple emails back and forth demanding the deferment of the forbearance that I was led on to believe I was getting after the 1st deferment they gave me back in or around XX/XX/XXXX. After the 2nd extension of forbearance was completed ( 3mos later ) they said not to apply for a deferment until the forbearance was totally completed as you can only be granted a total of 2 deferments total.

After being told we had reached the maximum months allowed in forbearance ( I was told over taped conversations which I requested all my called dating back 6mos on XX/XX/XXXX with XXXX XXXX ; a supervisor and never received. See attached ) I was told for the 1st time, " THEY WILL NOT AND/OR COULD NOT DEFER MY PAYMENTS THAT WERE IN FORBEARANCE AND I EITHER HAD TO DO A REPAYMENT PLAN OR COMPLETE MODIFICATION OR FACE FORECLOSURE ACTIONS IF IT REMAINED UNPAID ''. 

It was at that time that I decided to choose the repayment plan which I believe started in XX/XX/XXXX. So, immediately after making a voluntary down payment of {$4500.00} to bring my payments down which I believe was due in XXXX, I found out I was eligible for the cap and extend program which I was just told ( again emails with shellpoint and phones show ) I was not. I immediately sent my rep, XXXX an email which he acknowledged and stated on XX/XX/XXXX ( email attached XXXX, that he was just needing his processing group to close out the repayment plan and open the automatic cap and extend and we would be all set. So, he eventually did that in XX/XX/XXXX as I waited and called and emailed throughout the month of XXXX to make sure I wasn't going to be reported late for XXXX, to no avail. XXXX passed by with the mortgage company delaying my file until finally issuing the cap and extend in late XXXX with a payment due date of XX/XX/XXXX. I quickly executed the agreement called to make that XX/XX/XXXX payment and was told to wait until the agreement was confirmed and uploaded which it was days later and I made the payment on time for the XX/XX/XXXX payment in the month of XXXX. I was never able to make a payment in XXXX because there was never a payment to make that month. So, to be reported as 30 days late for XXXX is in error as the mortgage company dropped slowed, delayed or was incompetent in getting me my paperwork in time. 

I want the 30 day late removed immediately.
Consumer complaint received 2021-04-08
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. (FL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2017-02-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NJ)

Accepted Citibank promotion. Deposited {$15000.00} and was to receive {$400.00} bonus on XXXX XXXX, 2016. After several calls, no action, and the bonus amount is still missing from my account. 
Same issue as Complaint ID XXXX This is unconscionable and outrageous.
Consumer complaint received 2022-07-19
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. (GA)

On XX/XX/2022 I mailed a letter by certified mail to the credit bureau TransUnion Consumer Solutions. This letter asked them to remove outdated and incorrect personal information from my credit report that included old addresses, incorrect name variations, incorrect phone numbers, and incorrect employment history. This was requested due to the rise in identity theft which I have been a victim of over the last few years at various points. 

On XX/XX/2022 I received a generic response that ignored all of my requests. I was only issued a general statement letter and a copy of my credit report - both of which I did not request. None of my personal information was updated as requested. I have attached the following as proof : 1. The original request letter sent to TransUnion Consumer Solutions 2. A copy of the received TransUnion response 3. A copy of the certified mail receipt
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sensible Auto Lending, LLC (PA)

I had an auto loan through Sensible Auto Lending. Unfortunately the vehicle that I financed had too many mechanical problems so it effected my ability to continue my agreed payment arrangement. I contacted the company in an effort to still make a payment even if it was not the full amount.

The interest rate was very high so I was unable to catch up. I eventually had to choose between paying rent or paying for the vehicle so I made a hard decision to surrender the vehicle. The debt is not being reported on my credit and has been sold to a debt collector.

I have no recollection of the debt collector contacting me to resolve the issue. I found out about the lawsuit filed against me when I started receiving junk mail from law firms. The mail that I received from the law firms prompted my decision to do an online search and that is how I found out about the law suit.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (LA)

XXXX, 2022 I disputed a charge off due to inaccurate information, in which ( Flagship Credit Accept ) reported different account types, status dates, original balances, and terms to XXXX, XXXX, and XXXX and due to these violations, the account needs to be removed from my credit report!
Consumer complaint received 2021-04-08
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. (OH)

I have not supplied proof under the doctrine of Estoppel by Silence, Engelhardt v. Garavans ( Mo281 SW715, 719 ), I presume that no proof of the alleged debt, therefore any such debt, in fact exists. 


I never authorized this account.
Consumer complaint received 2021-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Although the latest statement on that loan indicates that payment towards principal were made in the amount of {$1000.00} on XX/XX/XXXX and XX/XX/XXXX and the balance at the end of XXXX was {$26000.00} interest was charged on the amount of principal of {$28000.00} for the month of XXXX in the amount of {$57.00} although interest amounts for the following months were consistently decreasing except for the month of XXXX : XXXX, XXXX - {$74.00} XXXX, XXXX - {$69.00} XXXX, XXXX - {$68.00} XXXX, XXXX - {$62.00} XXXX, XXXX - {$63.00} XXXX, XXXX - {$60.00} XXXX, XXXX - {$53.00} XXXX, XXXX - {$56.00} Taking into consideration that the interest rates is still the same all that time at 2.5 % increases in interest in XXXX and XXXX are questionable in view of the fact that the principal was smaller in those months than in previous months.
Consumer complaint received 2022-07-19
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (MI)

XX/XX/2022 I sent Chrysler Capital a Debt Validation letter ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ) and demanded to cease and desist all collection activity until the debt was validated. The notice gave them 30 days to validate the debt. 

Chrysler Capital failed to respond and validate the debt. 

I sent a 2nd letter on XX/XX/2022 to notice them of the fault with the opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ). 

Again, Chrysler Capital failed to respond and validate the debt. 

I sent a 3rd letter on XX/XX/2022 to notice them of the fault with opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ). I demanded they stop calling my phone and only communicate with me in writing. I stated their constant daily phone calls are now considered harassment. 

Chrysler Capital finally responds on XX/XX/2022 ( 5 months after my initial debt validation letter ) with an attempt to validate the debt. They stated in their letter the following : we have placed all available phone numbers on the account as a Do Not Call, per your request, we will no longer contact you via phone. ( Copy of this letter attached herein as Exhibit B ) The focus of this complaint is : as of today, XX/XX/2022, Chrysler Capital has repeatedly violated me with phone call harassment virtually every day since XX/XX/2022. ( Screenshots of calls from Chrysler Capital attached herein. )