davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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. (PA)

I'm disputing the late payment on my XXXX XXXX XXXX XXXX account. My payment is due on the XXXX of every month. I missed XXXX 's payment, but I paid them on XX/XX/XXXX and the money was taken out of my account on the XXXX. They reported me for being 30 days late. That's inaccurate.
Consumer complaint received 2022-03-07
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. (MO)

I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

Equifax- Not my Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax not my accounts- XXXX  and XXXX XXXX not my inquiries XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Retailer ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX- Not my inquiries XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I logged into my account like I always do for the last 10-15 years I had these accounts opened except this time all my accounts were force closed by Capital One for reasons they can not give me other than that they wanted to end the banking relationship. I suspect that the closure was due to the fact that I sold a lot of investments and transferred my money from my XXXX accounts into my capital one accounts in readiness to buy a house in XXXX. 

Whatever the reason may be, I am not concerned that they want to close my accounts since there are plenty of banks that would love to have my business. What my complaint today is on how they handle the matters on hand. I had over $ 117K in their which part of it, they just cut a check and sent it out regular mail. I am very concerned that the check will be lost in the mail, and I would have to deal with having to recoup that money. I asked them to stop pay so I can stop by a branch to pickup my money and they refuse to do so. Unfortunately my payroll direct deposit also was supposed to hit the day they closed my accounts, now causing my pay to sit in limbo. They claimed they didn't receive it even though the direct deposits have been posting to my account every XXXX of every month for years and my company has not received a reject either. Capital One really lacks customer service. They need to be held accountable for causing hardships and headaches for their customers
Consumer complaint received 2022-03-15
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

Our mortgage was sold to United Wholesale Mortgage in XX/XX/XXXX. I enrolled for autopay on XX/XX/XXXX as confirmed in attached email. The first autopay was set to draft on XX/XX/XXXX as confirmed in attached email and we made the XX/XX/XXXX payment manually. On XX/XX/XXXX we received a letter that our account is delinquent and XXXX payment has not been received, late fees were assessed. We checked our account and the mortgage payment was never pulled for XXXX. I tried calling the company and they were closed so I used the chat option on their website to explain the issue. I received a response that my next payment was scheduled to auto draft on XX/XX/XXXX ( see screen shot of chat attached ).
Consumer complaint received 2021-08-31
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. (DE)

On XXXX XXXX XXXX XXXXXXXX XXXX " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.
Consumer complaint received 2021-08-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (MA)

I got a pay loan for a XXXX. They said on the phone I would only have to pay XXXX back. I had to pay XXXX $ a week. I currently have paid them XXXX XXXX I go online to see my payment schedule and it says I have to pay them XXXX XXXX They did not tell me on the phone when I got the loan that I would have to pay XXXX XXXX  back. I do not have that type of money. I would of never got the loan if I knew I was gon na have to pay XXXX XXXX. I need help
Consumer complaint received 2021-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC (MO)

I have been trying to get this stuff validated since XX/XX/XXXX and i keep getting the run around or stall tactics. It is really frustrating and i can even sleep properly at night because of this stress. They are reporting this information on my credit report and they have not even validated it properly. They ignored me so much that I had to make a XXXX  complaint against this collection company after no response for 90 days. After that they finally replied back to me on XX/XX/XXXX with a response saying they notified me of the alleged debt. But it still didn't validate any of the accounts. I had to ask again for validation, at this point it was 120 days. I asked for proper validation on XX/XX/XXXX and then on XX/XX/XXXX but they still didn't send me my validation requests at all only a bill. How is that proper validation? Finally I received some information which i will attach here on XX/XX/XXXX that contained personal, sensitive information about specific medical care. It is really crazy that 21 pages of sensitive information got into the hands of a 3rd party debt collector who i never signed any release of private information to. That has to be some sort of HIPPA violation right?
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX, I called into Mr Cooper customer service number, XXXX, to validate whether Mr Cooper has sold/transferred my current loan with Mr Cooper to XXXX XXXX  XXXX XXXX XXXX XXXX ) as I received notification letter from XXXX to start my mortgage payment to them on XX/XX/XXXX. I spoke with XXXX XXXX XXXX Home Advisor ( XXXX # XXXX ) and she checked her system. She said it does not show Mr Cooper has sold nor transferred my current loan to XXXX. She asked that I checked back in a few days and replied to her email with a scan copied of the XXXX letter for her to investigate. Then suddenly, emails arrived in my inbox regarding " sign my Mr Cooper loan documents electronically ''. And it is coming from XXXX XXXX ( XXXX ID XXXX ) Mr. Cooper, ( XXXX ) XXXX, XXXX. This is a surprise as I did not apply for any loan application and did not give out any information for a loan application. I continued to receive emails regarding Mr Cooper loan application which I did not initiate and authorize. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Mr Cooper with my credit score. This is outrageous and a breach of trust as in no way did I authorize any credit report to be pull. I called XXXX XXXX regarding this on XX/XX/XXXX and he claimed I must of authorized it over the phone with him, but this is the first time I've spoken with him. I've asked him who initiated the loan application and how can they just run my credit report without authorization. He has no answer for this. This is unwanted and not authorize, which will affect my credit score as a consumer. This is for sure an unusual fraudulent practice. Please investigate. Thank you!
Consumer complaint received 2022-07-15
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. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XXXX : {$360.00} XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX : {$100.00}
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (AZ)

This account was sent from XXXX XXXX to IQ Data International sometime mid-XXXX. The amount at the time was {$5400.00}. I saw it on my credit, got the number, and I called IQ Data to discuss settling in XX/XX/XXXX. They were rude, talked down to me, made threats if I didn't pay in full. I offered {$3000.00} to settle and I was told they do not settle, and because I wasn't calling to pay out of the kindness of my heart, they were not obliged to help. 

I then called and talked with the new manager at XXXX XXXX. She told me the amount owed was actually incorrect, and that I really owed {$3200.00}. It took from XX/XX/XXXX through XXXX of XXXX to finally correct the amount in their ledgers and with IQ Data. I tried calling IQ Data again in XXXX and offered {$2000.00} to settle. I was told they don't settle and was literally yelled at every time I tried to speak. I finally hung up. 

I started researching options to deal with debt collectors and read that one should never call, only communicate in writing. So XX/XX/XXXX I wrote a debt settlement offer to them and mailed it certified mail with return signature receipt. That letter was received and signed for on XX/XX/XXXX. 
On XX/XX/XXXX I received a bill from IQ Data asking for the full amount ; they totally disregarded my debt settlement offer and acted like they never received it. Aggravated, I asked an attorney to help. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX issued a letter to IQ Data requesting validation of the debt and listed off all documents to be collected and sent to me within 30 days from the date of their letter, otherwise they were to cease and desist collections efforts and I could file a complaint against them. The law firm also stated should the debt prove valid I would offer to settle the debt for {$2000.00} issued in one lump sum by cashiers check to be paid no later than XX/XX/XXXX should they agree. I received nothing from IQ Data. 

I have never in my life been treated so poorly by people I am trying to offer money to. There is no judgment on this amount. Every other collections agency I've had to work with over my 41 years on this earth has been more than willing to settle ; I know that they do. Why IQ Data insists on insulting me and not cooperating is baffling.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

Prestige financial charged off my auto loan XX/XX/XXXX XXXX XXXXor the amount of {$14000.00} as a profit and loss since I told them after the second engine seized and transmission went out and no warranty available they refused to come pick up the car. They continue to report my balance of interest each month and as of today my loan balance shows {$21000.00} as they keep applying an additional interest each month and reporting it to the credit bureaus. I have tried to dispute with the bureaus again online but to no assistance since they said I disputed back in XXXX This horrible company is going against the loan contract and I think law as far as what they can continue to report
Consumer complaint received 2022-01-11
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 

The items listed below and on the attached copy of the report I filed with FTC. ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

Experian will not remove fraudulent XXXX credit card account and address. 
I mailed one copy of a government issued identification card. 
One copy of a utility bill. 
My full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Federal Trade Commission letter Police report.
Consumer complaint received 2022-07-15
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. (TN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I was victim of a fraud against me and my PNC account # XXXX. When I was notified by the bank on the first week of XXXX that my account was under a potential fraud, I took immediately action and opened a case with the local police department case # XXXX, I also placed a fraud alert with the credit bureaus reference # XXXX. 
However, the PNC bank department of dispute didnt even looked at the evidence that I am also attaching here and decide to rule that I was the responsible for the balance moved out of my account by a fraudulent check sent to me by a company that pretended to hire me. 
I was contacted at indeed by someone named XXXX XXXX to work for her as personal assistant. This person requested my bank information, address as well social security number to register me as her employee and she sent a check by mail to be deposit at my bank account so I would use the funds to make some payments for her and buy computer and office supplies. The check was bounced several days after being in the account. The bank claimed that the documentation I am providing here was irrelevant and that I should take full responsibility for the fraud balance. I said to the bank representative that I was the one suffering the fraud against, I am not the part of the fraudulent scheme and bank investigation team and decision should had considered the information attached. 
The bank completed disregarded all these evidences and decide to close my accounts and now are coming against me for the fraudulent balance. 
I am here asking for your help to first looking into the evidence and help the bank to see it was a fraud against me and cancel this fraudulent balance against me. The bank also should control better the fraudulent checks and not let the balance be available in cases like the check is not valid.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (NV)

I requested and was approved for a loan with SoFi. The terms of the loan required that I also open a checking account and MUST have direct deposit into that account as well as make my monthly payments from that checking account. Sofi then decided to block the checking account and restrict access to the account. They refuse to speak to me and only have a voicemail to leave a message. I was told that if I dont make a payment from the checking account that I will now have to pay a higher interest rate but I can not pay from a restricted account. The representative told me I have to email sofi.org even though the website is sofi.com