davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC (MD)

I am a victim of identify theft and I have receive several emails from this company regarding a loan that I did not take out. My credit file is frozen and there is a fraud alert place with all credit bureaus. This company only option to notify them of fraud is by email and I have yet to hear anything back from them. I did not apply for any loans through OppLoans and need this to stop immediately.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XX/XX/2022, I disputed a charge from the gas station of {$55.00}. Capital one credited the funds back to my account. On XXXX XXXX capital one debited my account {$55.00} for the same transaction claiming they needed a receipt from the gas company even though the same information was on my bank statement. Then, on XXXX XXXX I made a payment to capital one credit card using my capital one bank account ; I transferred funds from savings to checking to pay my bill. A week later I find out the payment was never received mean while my bank account was charged. A few days before that incident I noticed my checking accounting was negative {$47.00} I then transferred {$60.00} from savings to checking to cover the balance. I noticed no transaction on my account was actual negative however the bank wiped away {$60.00} my new balance was {$17.00}. If the amount was in fact not showing a negative balance the available balance wouldve posted {$60.00}, not {$17.00}. The bank has failed to resolve these issues and theres more. Ive called them many times in a week they provide excuses, have been rude to me by arguing about the balances and transaction details ; also the companys bank manager has provided a negative customer service experience.
Consumer complaint received 2022-03-18
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (IL)

XXXX continues to inaccurately report an account from National Credit Adjusters. This creditor was removed from the credit report on two prior occasions under the original creditor XXXX XXXX. They now have a collection agency ( National Credit Adjusters ) re-reporting the same information on my credit report and changing the date so that they can keep reporting it. They keep bouncing from bureau to bureau I have filed a complaint where they reported on XXXX doing the same thing. I want this collection agency to stop reporting this debt which is way over 7 years old and they redate it so that they can keep in on my report. This is shady on the part of XXXX and National Credit Adjusters.
Consumer complaint received 2021-12-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (FL)

CB INDIGO/GF XXXX XXXX INDIGO - XXXX XXXX  XXXX XXXX CB INDIGO XXXX XXXX I recently verified my latest credit report and I noticed that you have reported late payments on this account. I have previous credit reports from the above-mentioned agencies that reflect my account accurately as paid on time and I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. 

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of Notice ( i ) In general. The notice required under sub-paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Consumer complaint received 2022-03-18
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: Firstsource Business Process Services, LLC (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

First Source, XXXX XXXX XXXX and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

The account has been charged off and is over 7 years old and keeps reporting to credit bureaus. I didn't receive a 1099C are being charged off and didn't receive pre and Post car resale. Loan was sold to other party but continues to show original creditor on report.
Consumer complaint received 2021-11-04
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. (TX)

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-06-21
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: NCB Management Services Inc. (TX)

In accordance with the Fair Credit Account XXXX  account NCB Management Services ( XXXX XXXX ) account number 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

They are also pulling unauthorized inquiries on my credit report.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2022 I sent Experian a certified letter disputing the validity of the XX/XX/XXXXthey are reporting on my credit report. They responded with a letter stating it was verified through a data furnisher. 

I have asked Experian to provide me with the validation methods multiple times only for them to respond back with it was verified through a data furnisher. 

I have informed them that thisXX/XX/XXXX has already been removed from other credit reporting agencies and if they can not validate the debt with the original creditor it should be promptly deleted. 

This has cost me thousand of dollars in interest and caused undue burden. 

This needs to be deleted immediately from my credit report if it can not be verified within 30 days.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/XXXX and XX/XX/XXXX, someone had accessed my account on chase and XXXX payment to someone named XXXX XXXX in the amount totaling XX/XX/XXXX. they had sent two XXXX payments, one for XXXX and another for XXXX. I have never sent money or had contact with this person and i have never authorized this transaction. chase gave me a temporary credit but today i was notified that my claim was denied and they are reversing the credit. i have reset my username and password on my account since then because chase agreed that my account was compromised and that i should do that.
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-03-23
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. (MO)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$97.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$130.00}.
Consumer complaint received 2022-03-18
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. (WI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX 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 Transunion. I do not understand why they are abusing consumers .This 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 Transunion more than 21 times. transunion 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 XXXX now im XXXX  XXXX cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX
Consumer complaint received 2022-03-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am XXXX XXXXhat you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

On XX/XX/2022, at around XXXXXXXX XXXX XXXX, I received a cold call from, what I would learn later, was 'Aidvantage XXXX, the company servicing federal student loans. 

My phone 's caller ID identified the call as being 'XXXX ' ( the company formerly servicing federal student loan repayment ). 

When I answered, I was transferred to a caller who attempted to tell me about the deadline on federal student loan payment deferment and options for income-based repayment when the deferment deadline lifted. This was all fine. 

However, the caller attempted to ask me to verify information including my address, email address, and phone number. First, several of those items were out of date ( I had long since changed them in the federal student loan repayment portal ). Second, I am unsure why they would solicit that information over the phone rather than directing me to the federal government 's repayment portal. 

The substance of my complain though is about misrepresentation. The person on the call, falsely or truthfully, believed himself to represent the Department of Education. He had no explanation for why the Caller ID labeled the call as being from XXXX. Nor did it seem odd to him that he ALSO stated that he worked for AidVantage, which is a private company working with the DOE. 

I think AidVantage is training their employees to misrepresent themselves and irresponsibly draw them into loan servicing schemes that they may not need or want under the guise of representing the DOE. 

Note : I will also be submitting this complaint to the XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XXXX and XXXX XXXX had a reverse mortgage owned by PHH Mortgage. 
They are both deceased. PHH is authorized to provide information to daughter XXXX XXXX. 

PHH purchased hazard insurance policies for {$1300.00} each on XX/XX/XXXX and XX/XX/XXXX and charged those amounts in addition to outstanding principal and interest etc. 

A hail storm damaged the roof and the big Texas freeze busted pipes. 

The reverse mortgage has since been paid in full. This payment in full includes nearly {$16000.00} of additional charges have such as the hazard insurance reimbursements. 

When we requested they provide us with the carrier name and policy number of the insurance that we purchased so we could file a claim, they refused to provide the information. We submitted signed authorizations both via fax and email signed by XXXX XXXX. We offered to include her on the call to confirm her authorization. 

Every call they used a tactic called rope-a-dope to wear us down. Dozens of operators took turns asking us the same verification questions before failing to provide any information and bouncing us to the next operator who does the same thing. 

I believe PHH is using a related company to sell the insurance and is actively using these tactics and strategies to prevent claims from getting through. 

I have seen news reports of CFPB investigating and punishing PHH Mortgage for insurance related kickbacks.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MD)

Material Fraud - Paid to XXXX, XXXX on XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$7500.00}. 

The XXXX was paid in full but never showed up to complete the assignment/job. 
On or around XX/XX/2021, XXXX provided us with a tailored slide deck to describe their services and capabilities to XXXX XXXX XXXX and what they would deliver, namely a fully fleshed out Financial Model, Business Plan, and Investor Presentation, with followup Revision Cycles to bring their draft deliverables to a final. 

XXXX timeline was slipping but we kept working with them in good faith. 

Repeated failure by XXXX team members to even show up to meetings that XXXX planned and scheduled with XXXX XXXX ; Failure to provide a semblance of a PPA over the preceding months and months of nondelivery ; Repeated failure by XXXX team members to return increasingly urgent calls, emails and texts from XXXX XXXX trying to get answers as to why the draft document was completely missing a huge part of the core business plan related to the PPA and numerous technical details Failure to provide any final documents within the agreed timeframe and further failure to provide any useful and complete deliverables at all, immediately after our final payment. 

XXXX and Barclay the merchant was unwilling to work with me to resolve the problem or if you can't come to a compromise with the merchant that leaves you satisfied, the Fair Credit Billing Act and federal law do give you the right to dispute charges for transactions that you're dissatisfied with. I sent in the documentation, but they said they never got the documentation, but I have physical copy of the letter head document outlining the follow attachment below.
Consumer complaint received 2022-03-18
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. (NV)

I have contacted all 3 bureaus, letting them know i have never been late with XXXX  i have always been on time with all my payments. They stated they will fix it and never have. This has been an ongoing situation that has affected my purchasing of home for me and my family. The law prohibits false information to be reported on my credit bureau. It's been over 5 months no changes have taken place i will soon file a law suit against the credit bureaus. This affect my consumer rights, violation of fcra, fdcpa, and consumer rights. I demand this information be updated a late status be removed immediately. 

Creditor : XXXX XXXX XXXX Bank accnt # XXXX date opened : XX/XX/2016