davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (GA)

I am writing to file an urgent complaint regarding fraudulent items that have appeared on my credit file. It has come to my attention that there are inaccuracies in my credit report resulting from fraudulent activities, and I am requesting an immediate and thorough investigation into these matters. 
I understand the gravity of identity theft and the potential harm it can cause to my financial well-being. Therefore, I request that you prioritize the investigation of these fraudulent items and take swift action to remove them from my credit report. 

Enclosed with this letter, please find supporting documentation related to the fraudulent activities, including any police reports, identity theft, or other relevant evidence. I have also taken the liberty of marking the specific items in question on the copies of my credit report that I am providing for your reference. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an immediate and thorough investigation into these matters. I expect the results of this investigation to be provided to me within the legally mandated timeframe. Additionally, I request that you notify all relevant creditors and parties involved of the fraudulent nature of these items and ensure that they are promptly removed from my credit report. 

Given the urgency of this matter, I kindly request that you expedite the resolution process and keep me informed of the progress throughout. I can be reached at the provided phone number or email address for any further clarification or information you may require. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXXXX/XX/2022.
Consumer complaint received 2020-01-22
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. (LA)

XXXX XXXX, is suing me for a truck that I wouldn't take from the dealer due to being wrong vehicle. Never took truck and Dealer wouldn't give me right truck, wrote up wrong vehicle. The Dealer wouldn't make it right and I told XXXX XXXX not to pay for vehicle. 
Told them the story, but they paid dealer anyway knowing I didn't have it and For some reason, they reported me being paid on time in XX/XX/XXXXand XX/XX/XXXX, but payment according to XXXX XXXX wasn't due until XX/XX/XXXX. so for 2 months they reported me being paid on time which I never paid a dime and then they said they repo 'd truck from XXXX XXXX , la . with 0 miles on truck.. Now I'm being sued. In XX/XX/XXXX I purchased a truck from another dealer and I was under the impression that XXXX XXXX was the one financing truck, But found out after I signed contract, that XXXX XXXX is. Now, XXXX and XXXX   has deleted That XXXX XXXX report but Experian will not They say it is accurate. 
How is this even possible? I have plenty of documents to show everything that transpired. Not to mention that XXXX XXXX lowered the note on the XX/XX/XXXX truck 3 times on their own accord. There never was insurance on vehicle, was repo 'd from another city and never paid a dime but being reported paid 2 times in XX/XX/XXXX, now being sued, but they finance me a new truck in XX/XX/XXXX. Really?? Have plenty documents to counter XXXX XXXX  and experian
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/XXXX interest due if not paid in full. Interest was {$750.00}. I was told specifically several times upon calling there was none until XX/XX/XXXX due. I paid that 2 days ago. Who would leave am older same amount owed to let one axrue interest?? Then the lady called & talked down & degrading to me for having lost my job??!! I've been an on time fantastic customer for over a decade! Then she accuses me if threatening her & hangs up on me! They wrongfully charged me the {$750.00} interest & spoke down degrading to me. So 4 things : I was lied to, they set up on online account in my name so I would stop receiving bills in the mail ; they purposely made the {$750.00} interest charge ; they spoke down degrading to me. It is CareCredit. I see you already have had a case with them.
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-28
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. (AL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX  XXXX Balance : {$840.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$8900.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax XXXX XXXX XXXX XXXX - Supposedly opened XX/XX/2022 - Amount {$170.00} I am not responsible for this debt. I don't have any type of agreement with XXXX XXXX XXXX, and called them OVER a year ago in order to dispute the {$170.00} charge on my report. They did not verify the debt because I have never agreed to any type of contract with them at all and they did not respond to the dispute and are continuing to incorrectly report it on my credit report.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have never missed a payment on this car or any other car or credit card, etc. Ive worked very hard to maintain an XXXX XXXX XXXX and I dont think that I should be penalized for capital ones mistake. The car was paid off on XX/XX/XXXX and was confirmed electronically on XX/XX/XXXX. I had even check in again with the dealership on XX/XX/XXXX to confirm that payment had cleared and they assured me it had. I have provided all the documents and bank transfer paperwork to capital one and still was not offered any type of resolution. With XXXX look at my account anyone can see that I have stellar payment history and I would never let this happen to my credit without some type of error on their part. 
Thank you for taking the time to look into this issue. I know that a lot of companies just look at issues like these as XXXX less customer but I have worked very hard to maintain a high credit score and I feel that capital one shouldnt hold me liable for their mistake.
Consumer complaint received 2024-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I called Mohela XX/XX/XXXX & put in a refund request for a {$3000.00} payment I made on XX/XX/XXXX and was told it will take 90 business days to process. I called in XXXX & XXXX, they said it was still processing and that they will push it through for me to process since it was over 90 business days. I call back in XXXX and they said they dont see the {$3000.00} payment posted to my account. Well why didnt they say that in XXXX when I put in the request? How are you processing a refund for a payment you don't see and I talked with multiple people, makes no sense. So I send them my bank statement showing they took the {$3000.00} out of my chase bank XXXX XXXX. I call back two weeks later ( XX/XX/XXXX ) and after an hour and half, talking to 3 people the solution is they need to submit a request to accounting to apply the {$3000.00} payment to my account because it got lost somewhere ( RIDICULOUS! ) then they can process the refund which will take another 90 business days, UNBELIEVABLE! That will be a whole year. They took the money in 1 day but takes a year to give it back. Im refinancing my loan with XXXX XXXX  in XXXX as soon as i finish school. Ill never take a loan again. I am now calling them again XX/XX/XXXX, to follow up since no change. I am now calling them again XX/XX/XXXX, to follow up since no change.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nathan & Nathan, P.C. (TN)

I received an affidavit notarized from XXXX, Ohio. I live in Tennessee. The affidavit claims a litigation specialist working for XXXX XXXX XXXX has full access to the USA Department of Defense XXXX XXXX XXXX. I have a copied document with incomplete information regarding myself. The document has the last four digits of my social security number, birthdate, and certificate ID. The document is digitally signed by the director of Department of Defense XXXX XXXX XXXX, XXXX XXXX XXXX. According to the Tennessee Secretary of State website : XXXX XXXX XXXX is a Tennessee Foreign For Profit Corporation and its registered agent is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Does the Department of Defense allow others to impersonate a XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. I have never served in the military. When I applied for my XXXX XXXX I fully checked the box that Im a civilian. The document I explained above was used by XXXX XXXX XXXX to ascertain whether I was in the military and used in a sworn statement, notarized in Ohio, and used to summons me to court. Tennessee law requires an affidavit to proceed in collections servicing. XXXX XXXX XXXX impersonation of a XXXX XXXX XXXX is absolutely amazing.
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NE)

I had to file bankruptcy and the mortgage company did not want to give me reaffirmation on my loan. I finally received one but I have had several problems since then. I have been threatened with foreclosure even though my mortgage is current and the company was told by attorneys they could not file foreclosure if the payments were current. I have had payments returned stating I do not have a mortgage with them. I am no longer receiving statements showing my balance. i tried to set up direct pay with my bank and i was told on 3 different occasions this bank does not use routing numbers which I know to be untrue. I have difficulty getting a straight answer from them and do not know where my payments are being applied
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have been trying to reach all 3 credit bureaus, XXXX, Equifax, and XXXX for the last 2 months. I mailed letters to them and they are not responding. I am very disappointed at their lack of response. As a father to my daughter who just started XXXX, I have been disqualified for getting approved for a XXXX loan for my daughter. These bureaus are abusing their power by retaining some dubious debt they claim I have and which the statute of limitations has run on. They show debt which is older than 10 years. 
I need our government to enforce my consumer rights and get my credit purged of all incorrect information or information which the statute of limitations has run on.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Deposited a check from a title company after closing a real estate sale. Chase put a hold on the check but said I could have the hold lifted by calling a toll free number or seeing a bank officer. I visited my local bank the next day and, based on the fact the check was from a recognized financial institution and a known customer, she issued a request for the deposit hold to be removed. After seeing the hold still in place the next day, I called the number given to me initially. I had also called the issuing title company and their bank and received assurance that the check was good and that they had spoken to Chase to reassure them the check was legitimate. Three days later I returned to the local branch and spoke with another bank officer who knows me personally and is familiar with the title company and their bank. Despite all involved recognizing this was a legitimate check and that the issuing bank had confirmed this, apparently no individual in the entire corporation has authority to override the unnecessary and excessive hold on my funds which amounts to a form of unregulated hidden fee being earned by the XXXX day float on my funds at a time of high interest rates. The biggest complaint is the total withdrawal of the use of judgement by any humans working at the bank, regardless of level.
Consumer complaint received 2023-11-28
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. (VA)

In accordance with the Fair Credit Reporting Act, 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-11-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute the inaccurate information on my credit report. I have carefully reviewed my credit report, and I have identified an error in the reporting of late payments on my account. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the late payments reported are inaccurate. The account in question has been settled and closed, and there should be no record of late payments after the settlement date. 
I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right.
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial ( a debt collector ) reported a debt on my credit reports without notifying me of any debt owed. I have been fighting for many years regarding 2 amounts not owed by me that continue to be bought and sold by creditors and then reported on my credit without my knowledge. Disputes get acknowledged and the reporting removed only for the next creditor to repeat the same actions of that it acquired the fraudulent debt from. Please see that it is removed from all credit reports.
Consumer complaint received 2023-11-28
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (MI)

Today, XXXX  XXXX XXXX, 2023 at approximately XXXX EST I called IQ Data International , INC for an debt they are attempting to collect. I initially received a collection letter from them and the account was already reporting to all credit bearuas and there was no formal communication prior to the reporting. I never had contract with this debt collect. In attempt to get this debt verified I submitted a letter XX/XX/2023. 

Today 's call was to get clarification and some resolve to the issue, instead I was verbally assaulted, belitted and yelled at by a representative by the name of XXXX who I was connected to after speaking with representative XXXX XXXX at XXXX. This rep was rude and asked me to resolve my debt by asking family and friends and when this was not an option she asked why I could not I ask family and friends to help and asked " was it because they did not have jobs '' and she was unwilling to help resolve the issue and provide adequate proof of this debt. As of today I was told that interest is accurring daily but the letter states its " XXXX percent per annum '' grand total as of today is XXXX. Document dated XXXX dated XXXX XXXX
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I have been a Bank of America customer for nearly a decade. I recently filed a claim about some fraudulent activity that took place with the debit card that was linked to the XXXX XXXX feature of my XXXX. On the morning of XX/XX/XXXX, my phone was used to make 8 different transactions totaling in {$2300.00} to a number that I have never been in contact with. I do not know who did this to me. I brought up the fact that my debit card had also been stolen from me that night and an investigation was opened. After a few weeks, I was issued a temporary credit. After another couple of weeks, this credit was taken back, leading to my checking account being overdrawn by {$600.00}. I am still in the negative and have called Bank of America, pleading that they re-open this investigation. Additionally, I have filed a police report and have reached out to XXXX XXXX support to get answers as to who sent money to themselves using my phone. It makes ZERO logical sense that I would overdraft my own bank account by over {$600.00}, so it really upset me that the investigation research deemed that none of the activity was fraudulent and that all transactions were authorized by me. That is simply not true, and now I am out funds that I direly need. I am beyond disappointed with Bank of America at this point and have every intention to never conduct business with them once I receive the proper restitution.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (TX)

PNC Mortgage charged this loan off XX/XX/2019 and released there mortgage. I am not trying to sell the home however, they have not vacated there judgment or dismissed the foreclosure action against me in XXXX County case number XXXX. Under PA law the foreclosure is now invalid and needs to be dismissed with prejudice. They are now preventing me from being able to sell the property by holding a lawsuit over my head that is invalid for 30 days.
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I went to the website XXXX and contacted the person on the website to about purchasing a kitten. They emailed me from XXXX and said the kitten was XXXX and XXXX for shipping. I had many conversations with the person. They showed me pictures, videos, etc. I have purchased animals online before so I had no clue this was a scam. I paid thru Zelle {$1000.00} on XX/XX/2020. The cat was going to be shipped to me by plane on Friday XX/XX/2020. The seller sent me the plane information, told me the cat passed the wellness check to fly then told me I needed to rent or by a special cage. XXXX to buy or XXXX to Rent. Send her the money and she will take care of it. when I get the cat it will be refunded to me 100.00 % at the airport. I called XXXX XXXX and they told me that was a scam. They said do not do it. So I told the seller I could not afford than and would like a refund for the animal. They said they would do it the following morning. Since then I have not heard anything from the seller. The website is XXXX email address they used with Zelle  is XXXX XXXX XXXX and phone number on the website is XXXX they gave me the address of XXXX XXXX XXXX XXXX XXXX CA XXXX. I have reported this to my bank. They are in the process is investigating and working with the other bank to get my money returned to me. I just wanted to buy a kitten and they not only stole my money but I am not getting the kitten that I fell in love with from videos and pictures. People like this make me sick to my stomach. If we could find them I have no issue pressing charges against them. Zelle Reference code XXXX I have attached all emails from the scam seller and myself and pictures of the website that is still up and running and scamming other Americans