davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

request for an investigation into and request for the reversal of the fraudulent charge, interest fees and late fee, due to, caused by and as a result of the transaction /purchase on XX/XX/2021, posted on XX/XX/2021. Cardholders were without any knowledge of the above transaction/purchase, nor did the cardholders ever authorized XXXX ; XXXX XXXX ; nor any other merchant to process any such transaction, whether online, by telephone, in-person or in writing on above on the XX/XX/2021 date or any other date. Therefore, cardholders credit card number and information were comprised, stolen, fraudulent obtained and used illegally and unlawfully by XXXX., and others in the above fraudulent transaction/purchase. 

Cardholders tried multiple times to resolve the matter with the merchant, and others since XX/XX/2021 through XX/XX/2021, however to no avail. Cardholders tried multiple times to contact CapitalOne via telephone to dispute the charges and interest fees, however due to high call volumes, were unable to get any assistance over the telephone. Therefore, Cardholders request the names, identities, and addresses of the person or persons within the company, organization or agency, that used the credit card information and processed the fraudulent unauthorized transaction/purchase on XX/XX/2021. 

Futile efforts attempting to resolve the matter caused a loss of time and effort, resulted in the missed due date for the Capital One monthly payment for XX/XX/2021. Upon receipt by Capital One, of this formal written complaint and request, Cardholders request an immediate reversal of the XX/XX/2021, fraudulent unauthorized transaction/purchase, any and all resulting interest fees and late fee charges. Cardholders reserve the right to amend the above statements.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To whom this may concern, I have recently noticed fraudulent activity on my credit reports. as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please can you remove the disputed items as soon as possible.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax has credit inquiries that I do not recognize or belong to me or have been authorized by me, I need this inquiries removed XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I have not supplied proof under the doctrine of stoppel by silence.Engelhardt v Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of alleged inquiries, nor therefore any such inquiries ara in fact my.
Consumer complaint received 2021-08-08
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: Experian Information Solutions Inc. (WA)

My name is XXXX XXXX. My credit report currently shows two inaccuracies. I have disputed them with Experian and the information remains unchanged. There are two collection accounts reported from XXXX XXXX : one for ) XXXX and the other for {$5400.00} ( I believe ). I learned about these accounts in 2019 when I went to refinance my home. I was completely unaware they existed. But after some research, I learned that one of my previous employees at my company, had signed my name as a guarantor without my knowledge. At the time, I was uncertain how the dispute process worked. But my daughter has helped me see how simple this is. 
During the time I was refinancing, I thought paying these unknown charges would be the easiest way to solve the problem. I didnt want to get anyone into trouble either. But they are, in fact, fraudulent charges. If you look at my credit report, you can see that I have always maintained a good credit reputation. I did what I thought was best and paid these collection accounts off. It seems as though I shouldnt have, because Experian continues to leave these as reputable accounts. But I promise you, I knew nothing of these accounts and I had no part in assigning myself as a guarantor. Could you please remove these from my credit report once and for all? I am an honest man, attorney and a veteran of the XXXX XXXX. I feel I did my due diligence by paying debts that werent even mine. All I ask is that you please make this right. Thank you.
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (TX)

My wife and I engaged with Mutual of Omaha Mortgage for a mortgage on XX/XX/2021. Our loan officer advised us that we were good for a XX/XX/XXXX closing date. We sold our house on XX/XX/XXXX and rented it until XX/XX/XXXX, leaving a buffer for our move. We are A+ buyers putting 36 % down on the house we were trying to buy. Our credit is very close to XXXX. On XX/XX/XXXX, my loan officer asked for {$150.00} to expedite the appraisal process. All of the requirements on our end were met and we had a conditional approval from Mutual of Omaha Mortgage by XX/XX/XXXX, just pending and appraisal from Mutual of Omaha. 3 distinct occasions the company missed our closing dates costing us over {$16000.00} in rent, lodging, and various other expenses. I spoke to the CEO and the COO. They eventually deferred me to their legal department and stopped responding to me, claiming that I was demanding money, which I never did. The SVP of legal wouldn't answer any of my questions and Mutual of Omaha Mortgage eventually fired my loan officer without providing me any updates or information about my loan status or letting me know he was gone. On XX/XX/XXXX I enlisted the services of another mortgage company that closed our loan on XX/XX/XXXX. On XX/XX/XXXX an appraiser showed up at my house on behalf of Mutual of Omaha. Mutual of Omaha Mortgage never sent any communication to inform me that an appraiser was coming to my house. I still didn't have a final closing date from Mutual of Omaha Mortgage on XX/XX/XXXX when I closed the loan with the second bank. I itemized the losses I suffered ( ~ {$16000.00} ) and submitted them to the CEO, COO and SVP of legal asking them to reimburse me on XX/XX/XXXX. They responded after a week saying that they would only reimburse me {$490.00} for the appraisal fee and that they never charged me for an expedited appraisal fee. Below is the itemized list of expenses caused by Mutual of Omaha Mortgage 's inability to meet the closing dates that they advised me to set : Costs from missing XX/XX/XXXX closing date : {$1500.00} for our movers to store our stuff {$850.00} for hotels until we could start renting HOUSE # 1 {$1000.00} to board our dogs until we could start renting HOSE # 1 {$2400.00} for rent at HOUSE # 1 from XX/XX/XXXX - XX/XX/XXXX {$400.00} Attorney fees {$5200.00} earnest money from HOUSE # 1 {$1000.00} for movers from HOUSE # 1 to HOUSE # 2 {$220.00} for boarding dogs during second move {$420.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs incurred from missing XX/XX/XXXX closing date {$2100.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs incurred from missing XX/XX/XXXX closing date {$750.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs charged by Mutual of Omaha Mortgage for a mortgage they were unable to deliver : {$150.00} expedited charge for appraisal {$490.00} appraisal fee
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXXt accounts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

I have been having serious problems with Freedom Mortgage escrow department. They are the most incompetent company I have ever done business with. A few months ago they double paid my taxes. I demanded that they remove escrow from my mortgage and I will pay my own taxes and insurance so that more errors in payment do not happen. Freedom Mortgage sent me a letter on XX/XX/XXXX stating that escrow will be removed from my account starting XX/XX/XXXX and that I am now responsible to pay for all my taxes and insurance. I then went ahead and paid my house insurance bill personally. Come to my surprise on XX/XX/XXXX Freedom Mortgage RE OPENS my Closed escrow account without my permission steals {$970.00} from me and sends it as a double payment on my insurance. Now Freedom Mortgage shows I have an Escrow Balance of Negative {$970.00}. I contact freedom mortgage spend 2 hours on the phone to be told it was there error but they still have not fixed my account yet!
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

back in XXXX of XXXX I was in the process of closing on a new home the deal fell through because of lack of financial information my credit was good enough to get me thus far. but I was eligible to retry in XXXX so in XXXX I tried to pull my credit score an low a behold no credit score .... My loan company told me not to get anything on credit until I re-apply ... Now I don't have a credit score at all!!! how is this even possible or legally allowed it took a while to get my score even up i am a XXXX veteran!!! I'm not going to go out an buy things I know I can't afford!!! an for that I get punished ... my family an I are trying to buy a home an some numbers that's not right are stopping me ... I served this country an this is what they give back???
Consumer complaint received 2021-08-06
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)

there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the XXXX  data breach.
Consumer complaint received 2021-08-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion was not consistent with the removal of accounts that are listed within the affidavit of truth I sent on XX/XX/2021. An account still remains that is the result from the approval and authorization of a credit card as defined by Congress in the FCRA.
Consumer complaint received 2021-08-07
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: Professional Recovery Management (FL)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by _____ immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2021-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I have been renewing my student loans for about 9 years but did not receive a renewal application for IBR last year and this year. I faxed Navient but did not get a reply. 

Hope you can assist me with this issue. 


Thank you, XXXX XXXX
Consumer complaint received 2021-08-07
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: Experian Information Solutions Inc. (NJ)

I am making this complaint because your company keeps claiming that my letters that I keep sending directly to you by mail were are being sent by a third party or someone other than me. That is not the case. I, XXXX XXXX, am the one making this complaint. 

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate this alleged debt. This alleged debt is not mine. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of this invalidated and inaccurate account below. Therefore, if your company continues to report this invalidated and inaccurate account you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 


XXXX XXXX XXXX Account # : XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. Pursuant to 15 USC 1681b, you can not report anything to my consumer report without my written consent. By law you have 30 days to provide me with this proof or this inaccurate and invalidated account must be removed from my report. Failure to provide me with the requested proof of the signed consent that I allegedly gave to your company within the 30 day period, will require me to follow up with whatever action necessary, as your company is in violation of my rights under the FCRA and the FDCPA and your company will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n and the Fair Debt Collections Practices Act, 15 USC 1692k. 

I have provided all of my personal documents, MY LICENSE AND PROOF OF ADDRESS that will be needed to process this complaint and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of this inaccurate account.
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (MI)

Hello, My credit card company is holding multiple payments Ive made to them. The funds have been drafted from external bank account. So in essence I have a {$2400.00} taken from one bank to pay my credit card at penfed.

This is a huge problem they are now reporting that I am over my credit card limit causing my XXXX  score to drop. I have made the payment those funds should be released and new information should be sent to the 3 credit reporting agencies to correct penfeds inaccurate information
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was financially impacted by the XX/XX/2019government shutdown. I contacted Capital One ten times explaining my income was disrupted, I was experiencing financial hardship, and I was seeking assistance. I requested short-term payment forbearance, payment arrangements, extending my payment due dates, anything to help prevent my payments being reported late to the CRAs. They would not work with me, they denied my relief requests every time I called despite advertising relief and assistance to their customers impacted by the government shutdown on their own website, www.capitalone.com : " We are here to assist our customers who are experiencing financial difficulties as a result of the federal government shutdown. We encourage customers whose income is disrupted due to the shutdown to reach out to us to discuss their individual circumstances.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Financial Systems, Inc. (MS)

i sent SOUTHERN FINANCIAL SYSTEM, INC a letter on XX/XX/2021 requesting information about alleged debts of {$250.00}, {$220.00} that i do not owe. i asking for this matter to be resolved and removed from my credit report.
Consumer complaint received 2021-08-07
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: Experian Information Solutions Inc. (GA)

I checked my personal credit report and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, Experian and XXXX  and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into the inquires listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA
Consumer complaint received 2021-08-07
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: Commonwealth Financial Systems, Inc. (FL)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2021-08-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I contacted XXXX XXXX and Experian regarding some collections on my credit report. 
I started sending letters on XX/XX/XXXX and then another on on XX/XX/XXXX, XX/XX/XXXX, I have yet to get a response, The only thing that shows is that my account is in review on all three credit bureaus. I have asked for verification, not one letter was sent back verifying these alleged collections. However its going on 4 months and the items below are still listed as verified. 
On my Equifax they even listed collections two and three times. 

XXXX  XXXX XXXX XXXX - Open balance {$2800.00} XXXX XXXX Open balance {$820.00} XXXX XXXX XXXX Open balance {$530.00} & {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX Open balance {$520.00} XXXX XXXX XXXX Open Balance {$220.00} XXXX  XXXX XXXX XXXX Open Balances {$2800.00}, {$20.00}, {$18.00} XXXX XXXX Open Balances {$540.00}, {$350.00}, {$200.00}, {$180.00} {$95.00} Experian XXXX XXXX XXXX Open Balance {$14000.00}
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (CA)

I reached out to Credit Collection service ( debt collectors ) and asking for prompt validation of the debt they are collecting and place on my credit, with going thru due process as referenced in Federal law 1692g. 

My first mailing was on XX/XX/21, i received no repsonse and now its been 30 days without proof of debt to CRS debt collectors.

Past the 14 day alloted.

I never once signed any binding contracts with CRS.