davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
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: CITIBANK, N.A. (OH)

I was notified XX/XX/21 that my LOCKED CITIBANK master card was used by XXXX and later 2 monitoring companies. The date of charge was XX/XX/21 for {$99.00} for a foreign company by the name of XXXX. This same company fraudulently charged the same amount last year and I locked the card because CITIBANK would not provide a permanent credit for an unauthorized charge. 
I have all the documentation which exhibits clearly demonstrate this was fraud. They ended up charging me back again. Finally, after several months, they permanently removed the charge notating the fraud. 
I contacted the bank 4 times on XX/XX/21 and experienced terrible customer service. The reps are difficult to understand due to language barrier. I was blamed for this foreign fraudulant company having my information. After getting the run around with Customer Service ( only one name I could understaned " XXXX '' she placed me back on hold and I went into the quue again. Finally got to the SECURITY DEPT. and spoke with a man named XXXX. He gave me a very hard time even though I was calling from the registered phone listed with the bank and answered all security questions. There was a language barrier with the last name of my first best friend ( secret question ). I gave my SS number and all personal information. It was awful. He focused on that more than trying to put a stop to any more charges on a LOCKED account. I explained to all the people that this exact vendor did the same thing last year wihtout my permission. This is fraud and they allowed it on a LOCKED card. I am now stuck with a charge that I will not pay. They still have not followed up and do not believe they will take any action. I need a permanent reversal of the {$99.00} from XXXX and my card be LOCKED. I do not give permission to have any charges go through.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION (MD)

We had initially applied for an auto loan with Navy Federal Credit Union in early XXXX and had XXXX as the dealership to be paid. There was various additional documentation that XXXX XXXX wanted for the loan because of my wife 's name change when we got married. By the time the loan was approved, we had already picked up the car and went with XXXX 's finance company, XXXX XXXX. When the loan approval came through, we called and told them this. Then, we asked if we could switch the payee from XXXX to XXXX XXXX. We were told yes and that the representative would do that. We were told that we could then sign the loan documents. So, 2 days later, we signed the loan documents. 

When we went to get the check to produce to XXXX XXXX, we were told that it was still made out to XXXX. After multiple inquiries, we were told the phone representative had technical issues and could not switch the payee to XXXX XXXX. We were never notified that the payee was not switched. So, we were misled into signing the promissory note. They now state that the only way to change the payee is to cancel the loan and reapply. 

The whole process has been time-consuming and could potentially have a financial impact due to the credit reporting.
Consumer complaint received 2022-11-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Mortgage and Funding, Inc. (LA)

This company is advertising dscr loans for XXXX XXXX down. They do not disclose requirements before running credit report. They also dont give a loan estimate. They make you pay for appraisal and inspection then tell you the property does not qualify for the loan the DAY of closing. The loan officer should have been able to run the numbers for the debt service before application was submitted for the loan. They assured us that it did qualify. The loan officers do not know what they are doing and are deceiving customers. This is an unprofessional company and lender.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This is a follow up to investigate and correct the following inaccurate items from my credit report issued by credit reporting agencies. The items must be removed to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As Required by the act i demand you re-verify these items and validate these are my debts and that the inaccurate items will be deleted from my credit report. The attached documents from my credit report prove inaccuracies with payment dates and payment history on closed accounts that are also showing up as a collection account on my profile. Can these accounts please be validated so i can fully understand these tradelines. 

XXXX XXXX XXXXXXXX XXXX {$6100.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$9800.00} opened XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$1600.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6100.00} opened XX/XX/XXXX XXXX & XXXX XXXX {$470.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} opened XX/XX/XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX Open XX/XX/1XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Sincerly XXXX XXXX
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

The debt collection agency sued and won a judgement for wage garnishment for a debt that I never received notification on. They sent all the notifications to an old rented mailbox from a XXXX XXXX that I closed 5 years prior. I left the job that the wage garnishment was attached to. They sent me a balance notification to my home address, I paid it in full on XX/XX/2020. I have the receipt notification. Now today, XXXX, I received a letter from their attorney that a warrant was entered for me for the balance that was already paid. This is harassment!
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I read the article from XX/XX/2023 that CFPB had instructed Bank of america to reimburse the overdraft fees that were run multiple times. 

I read that i did not need to file a claim and bank of america would voluntarily reimburse these funds. 

I have received no such reimbursements and mine is a multiple overdrafts with the {$35.00} charge
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I noticed some inaccurate accounts and unauthorized inquiries. Please delete this accounts and inquiries. Also I recieve responses from the bureaus saying I'm using credit repair company which is wrong because I'm the only one sending letters and complaints XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$80.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (IL)

To whom it may Concern I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor AMERICOLLECT INCXXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, XXXX and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.
Consumer complaint received 2020-05-21
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: ALLY FINANCIAL INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-01-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (NY)

3 months back a XXXX rep knocked on my door talk to me about cameras around my home for {$42.00} a month I said ok!!! 
I was not home when they installed, it looks sloppy and unprofessional, I called and told XXXX that so many things are wrong, I want to cancel because also another company is calling and threatening me for $ money, I Stated the rep Stated only {$42.00} a month, so cancel, I can't afford {$200.00} or {$300.00} a month for cameras with monitor service and purchase equipment at the same time that's XXXX 
Yet they don't care!!!! 
I want this sloppy and unprofessional out of my home without my knowledge, and they lied to me and misled me to make a sale!!!
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (CA)

Had an account with XXXX XXXX radio since I bought my car, sometime in XXXX or thereabouts. Car came with XXXX subscription for free, when the time came I continued the service and paid for it. Each year the subscription renews, I had difficulty renewing and getting the account setup correctly in both of my cars. In XXXX when the time came to renew my car, I renewed/paid online. A few weeks later my car XXXX service in my car shut off. I called and found that they applied the payment to my mother in laws car ( which was on my account for a time being ), I explained that we had canceled that cars service about a year prior and had no intention of renewing that service, that my payment online was for my cars renewal, the bill that came was for my car and that was what I was trying to renew. They said they'd fix it ( something happens every year when the service renews, calling them is at minimum an hour call and the customer service is terrible, they make you feel like your in the Twilight Zone ), the next day my car service was still not corrected, so I called back. This time I called and cancelled the service for both of my cars that were on the account. After an hour and a half of telling them no thanks/please cancel, they finally did so. They said that I had a refund coming from the payment I had made online, it was not the full amount of the payment I made and they couldn't tell me why. At that point, I waited for my refund check and called it done with XXXX ( I thought ). A few months later, they send me a bill for about {$97.00}. I reluctantly called them back again to find out why they are billing me when I don't have the service any longer. An hour into the call, they finally tell me that I was on a 2 year contract and this bill is for the renewal. I explained that I never signed up for a two year contract and that I had cancelled the service months prior and that they sent me a refund of money I was owed so we could end the relationship. The customer service people I spoke to weren't going to do anything about it and that I owed the money. I tried speaking with a supervisor but didn't get anywhere with it. Now I have received a collections notice for the {$97.00} asking me how I'd like to pay. Number 1, I don't feel like I owe them this money for service I don't have nor want. I cancelled the account and they sent me a refund of what I was owed, now they want to force me to renew the service and sent me to collections. I need some help getting the collection removed from my credit report please!!
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX XXXX XXXX 2 ) XXXX  Card Services
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sincerly XXXX XXXX
Consumer complaint received 2024-01-20
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. (AZ)

XXXX assumed mortgage from XXXX effective XXXX. We immediately made our payment through our XXXX bill pay. XXXX sent the payment to the XXXX headquarters, in XXXX, N.C. We heard nothing until a month had passed. Then the payment was returned because the address was incorrect. Payments were to be sent to XXXX XXXX XXXX office. We immediately sent the payment to XXXX, and also sent the XXXX payment to XXXX. 
We have continued to make our payment, on time, but XXXX continues to deny receipt of the XXXX payment. We have spent countless hour in phone calls, sent emails and a letter to the President. All with no result, after 3 months.
Consumer complaint received 2024-01-21
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. (CA)

XXXXXXXX XXXX Account Number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. I dont have contract with this Agencies they did not provide me with original contract as i requested. In accordance with Fair Credit Reporting act Convergent Accounts Has violated my Rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a accounts without my written instructions.
Consumer complaint received 2023-05-12
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. (GA)

After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including Equifax, XXXX, and XXXX, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT ED/XXXXXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} XXXX
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

In accordance with the fair credit Reporting act Credit Acceptance Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a car loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-20
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. (LA)

Let the company know I was the victim of identity theft and fraud on my account they still keeping unwanted information on my profile against my will and consent I ask for the removal which I'm in the right to do.
Consumer complaint received 2024-01-20
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

I had a bogus collection on all 3 of my credit reports. I filed disputes with all 3 credit bureaus by certified mail. 

Experian is the sole credit reporting agency that still recognizes the debt. 
After multiple attempts at contacting them I have been forced to file this complaint. 

The collection showing on my Experian account is from a company called XXXX XXXX. 

I never did business with these people and I expressed that this was a case of fraud in my dispute. 

Also Experian is incorrectly showing that XXXX other accounts are late but closed and paid. 

The accounts can't be both late and closed. I paid off the accounts and closed them, however this is not reflected on Experian. 

Thank you to whoever reads and investigates this matter. I really appreciate your time and attention.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I received a letter from an attorney office regarding my XXXX account that they are handling my account and that it 's no longer with XXXX and it had the balance owed etc. with to all XXXX XXXX to remove the XXXX account. Equifax never removed the account they never notified me of the results or anything. They actually add a new account to my credit report causing my score to drop even though I provided proof the account with XXXX was no longer their account and has to be removed from my credit. They are the only cb who does n't truly validate debt. I have another account XXXX XXXX who never validated the debt and has been removed by XXXX and XXXX but Equifax again updated the info and said it was verified. I never got the method of verification who they spoke to or what was verified. I reached out to XXXX XXXX and they still have n't validated the debt. I know the cb make money by keeping bad information on our credit reports but it 's ridiculous when you send proof and they still refuse to make the proper updates and corrections I will provide all proof of what I submitted and what they have done. It 's time they be held responsible for failing to properly handle my credit report and validate information. By law they are required to investigate and not just sat verified and by law they are required to give info received and I still have not gotten anything.