davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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: TD BANK US HOLDING COMPANY (CA)

I have fallen victim to identity theft due to the XX/XX/2017 XX/XX/XXXX breach. This has taken a toll on my XXXX heath and it has caused me a great deal of frustration and anxiety.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My complaint is in regards to a missing credit issue. I have been dealing with this issue since XX/XX/XXXX I have gotten gotten no resolution. On several occasions Ive waited on hold multiple hours at a time only to be given the same response by countless representatives. 
Whom all say they will do their best to help. In XX/XX/XXXX I was a victim of credit card fraud and a little over {$1000.00} was taken from my account on authorized I just paid it is transactions and was given back the credit. Due to some issues in the system XXXX Bank of America prepaid deducted {$500.00} or a little more from my account it was found that the products were in fact due to go back into my account and I was receives know that the credits would be refund it. I have not received the money back in all this time I continue to call and follow up and have not once received any email from XXXX or male Correspondence besides the letter stating that I would be given back my credit. My last letter stating that they would in fact deposit back the money to my account so they would do so within a Few business days. That letter was sent in XX/XX/XXXX it is now XXXX and I have received nothing. I am a single mother of XXXX on unemployment and in dire need of this money and have experience overwhelming stress and anxiety due to this set back I am in jeopardy of losing my apartment and have exhausted all options of obtaining resolution. 
XXXX XXXX : XXXX XXXX XXXX Description : I would like the credits returned to my account as soon as possible
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (OH)

on or about XXXX 2021, I asked XXXX to send me documentation that the account they had on my credit report for XXXX was mine. 
After many back and forth emails, they never sent the paperwork, I finally received it after I filed a dispute with the credit bureaus '. 
I co-signed a note for my daughter it seem. 
On XX/XX/2021, my daughter received a notice from XXXX that they would settle the account for XXXX. I paid this amount on XX/XX/2021 in full. The person I talked to was XXXX and the confirmation number is XXXX. 
She informed me I should receive an email confirmation with XXXX to XXXX hours from XXXX or XXXX which is the other name they use. 
This never happened and they are still refusing to remove the amount from my credit report. 
There is no reason for this to still be on my report except from the reviews I have read, they seem to feel they don't have to. 
As far as I am concerned, they are stealing my identity and ruining my credit.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My wife and I were financially affected by Covid 19 in XX/XX/XXXX. I closed most credit cards and made agreements to pay them back at a lower monthly payment. Capital one, after several months of deferment of payments, continued charging me late fees and internet. In XXXX, capital one refused to work out a payment plan for me to pay them back, telling me to call next month to see if any new programs come up for me. I called for two months without assistance. Finally in XX/XX/XXXX Capital one put me in a customer assistance program, paying {$150.00} per month starting in XX/XX/XXXX then each month on the 12th thereafter on auto pay. Capital one placed 30 and 60 day late notices on my credit report, hurting my family. I filed complaint with BBB on XX/XX/XXXX. On XX/XX/XXXX Capital one agreed to remove the 30 and 60 day late derogatory notes from my credit report. On XX/XX/XXXX Capital one now placed a 30 day late notice on my credit report for the month of XX/XX/XXXX. Not true, payment was made on XX/XX/XXXX per assistance program. This new 30 day late notice for XX/XX/XXXX by capital one is false reporting and is again hurting my credit, making it difficult to get a bill consolidation loan, 2nd mortgage or personal loan. I filed another complaint with BBB on XX/XX/XXXX and awaiting a response. This practice of capital one falsely reporting a late not for XXXX is causing us to possibly have to file bankruptcy if it continues. They need to stop this false reporting to my credit report
Consumer complaint received 2021-07-02
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. (CT)

The Equifax response to my complaint XXXX was non-responsive. Since I have been significantly damaged by their actions, score drop of 86 pts in 1 month after successfully refinancing my home for {$570000.00}. I have filed a small claims action in XXXX XXXX XXXX seeking {$10000.00} in damages and/or referral to NY State Attorney General against Equifax/XXXX  XXXX XXXX. I will be filing a complaint with the Connecticut State Attorney General shortly as well. 

Equifax/XXXX  must be ordered divulge the exact statistical method, factors, parameter estimates, confidence intervals, false negative/positive rates, point estimate errors and other such data as to ascertain the efficacy of their credit scoring business and the harm it can inflict on individuals like me. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX original creditor XXXX XXXX XXXX - is reporting incorrectly to XXXX  and Transunion a collection/chargeoff in the amount of {$930.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor have I in the past, ever had an account with XXXX XXXX XXXX This account is fraudulent and does not belong to me. XXXX  and Transunion are also failing to investigate numerous letters I have sent requesting a review into the validity of this account. They are also reporting this item as not in dispute when in fact this item is in dispute. This language needs to be reflected on my credit report. This false reporting of an item that does not belong to me as well as not reporting this account as in dispute is seriously harming my credit score. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This line item needs to be completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.
Consumer complaint received 2023-02-21
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. (TX)

To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's XXXX, Transunion, and XXXX stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of XXXX all under XXXX. As hard as it is already being a single XXXX XXXX XXXX XXXX in America these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this problem.
Consumer complaint received 2021-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is one account on my credit report that does not belong to me I have been going back and forth with the credit bureau and nothing has been happening I have opened a FTC report and still nothing I need to know why this is still on my credit report if it does not belong to me. 
XXXX  XXXX  - Acct # XXXX XXXX {$0.00}
Consumer complaint received 2021-03-31
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. (TX)

XXXX XXXX original creditor XXXX XXXX XXXX - is reporting incorrectly to Experian and XXXX  a collection/chargeoff in the amount of {$930.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor have I in the past, ever had an account with XXXX XXXX XXXX. This account is fraudulent and does not belong to me. Experian and XXXX  are also failing to investigate numerous letters I have sent requesting a review into the validity of this account. They are also reporting this item as not in dispute when in fact this item is in dispute. This language needs to be reflected on my credit report. This false reporting of an item that does not belong to me as well as not reporting this account as in dispute is seriously harming my credit score. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This line item needs to be completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.
Consumer complaint received 2021-01-15
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. (AR)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-01-15
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.
Consumer complaint received 2021-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to capital one via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.
Consumer complaint received 2021-03-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my identity theft.
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STATE FARM BANK, FSB (TX)

I had a loan with state farm bank I had to volunteer give up the car because a mechanic messed up my car with repairs and I spent over {$2000.00} to repair more problems continued and I saw no sense of making payments on a car that isn't working. I voluntarily gave up my car. In 2019 state farm bank call me everyday harassing me and I had to tell them to stop calling me everyday harassing me before I sue them for harassment and they continued to harassing me by sending notices about the loan. On my credit report, they put charge off notices for a whole year. Last year year they closed my account. XXXX of this year, they sold my information to a debt collector after state farm bank closed my account last year.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (OH)

Applied for a mortgage loan and locked in an interest rate in XXXX after getting a pre-approval letter and having an offer accepted on a home. Was not told during the pre-approval process or anywhere during the start of the loan application process that I had the option of waiving escrows to reduce my closing costs. After receiving my first loan estimate, was told that I would need to produce additional proof of " reserve '' funds to be available at closing in order to get through underwriting. At that point, asked if waiving escrow was an option and was told by the loan officer ( XXXX XXXX, XXXX # XXXX ) that this was an option, but he would be 1 ) taking away a " lenders credit '' and 2 ) adding a new " loan fee '' in retaliation for my waiving escrows. This loan fee was NOT mentioned anywhere on my initial loan estimate, the revised loan estimate, or the initial closing disclosure ( the latter of which also had a number of other accounting inconsistencies ). Two days before closing ( XX/XX/XXXX ), I still have not received an updated closing disclosure and have not been given a justification for why they are adding this NEW loan fee that they did not previously disclose on paperwork anywhere before. Extremely unprofessional experience dealing with XXXX, who lacks attention to detail, and KeyBank, who have added new fees out of nowhere, without disclosing all my options at the start of the loan process.
Consumer complaint received 2021-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

Back in XX/XX/XXXX, I was laid off from my employer as they were heavily impacted by the covid19 pandemic. I had reached out to XXXX XXXX in order to apply to any Payment Reduction programs they could offer for borrowers in my position. They approved a reduced payment for a 6 month period for which they later advised could be extended if the application was approved again. When the program had expired, I received an email from the designated department approving the extension of my reduced payments. The following month after receiving this email as well as having a telephone conversation to approve this, I was sent a bill of {$350.00} that needed to be paid immediately on top of the monthly bill I normally receive. I reached out to their offices now for the third time in a month and they advised me that now I would need another Payment Plan on top of the existing XXXX that I made back on XX/XX/XXXX to pay the {$350.00}. I agreed to the second payment plan over the span of 6 months in spite of it now increasing my monthly payments to more than what I originally paid prior to being laid off back in XX/XX/XXXX. They verbally confirmed via telephone call and email that as long as I made my payments on time, the account would NOT be reported as delinquent and that all these arrangements will be updated on my account. After making the first payment reflecting the new amounts and both Payment Arrangement totals on XX/XX/XXXX, we received a letter on XX/XX/XXXX saying that they haven't received a payment and failure to do so would result in my account being reported as delinquent and my co- signer being reported to the credit agency. I reached out the XXXX  XXXX again who in turn communicated that the Account Delinquency letters are computer generated and will continue to be sent until the {$350.00} is paid in full. They refused to confirm that the delinquency status will be removed from my account as well as whether or not my co - signer will be reported to the credit agency because of these " automatic notices ''. Their representatives are unable to help because they are not knowledgeable on how these stacked payment plans can be communicated clearly or how to update accounts. Their supervisors are not communicating all the restrictions that come with their complicated payment plans and how they affect the overall borrower and account. In addition, their supervisor team is disrespectful and immediately want to be off the phone instead of trying to empathize with their borrowers who are doing all they can to just PAY.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof
Consumer complaint received 2022-10-13
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: JPMORGAN CHASE & CO. (NJ)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I requested my student loan payments made during the XXXX payment pause to be refunded on XXXX I was told by the agent that the entire balance I had paid during forbearance would be refunded within 30-90 days from the request date. I requested clarification on that time and they confirmed I should have the entire balance returned to me by XXXX XXXX XXXX 

My loan was transferred from FedLoan to XXXX during the payment pause. I paid {$4200.00} to FedLoan ( XX/XX/XXXX- XXXX XXXX, 21 monthly payments of {$200.00} each ) and {$1600.00} to XXXX ( XXXX - XX/XX/XXXX, 8 monthly payments of {$200.00} each ). 

The XXXX balance was restored on XX/XX/XXXX and direct-deposited back into my account. However, the FedLoan balance remains pending after 105 days. When I have called to request updates on the progress of the refund, I keep being told later and later dates that the refund will be processed by. Rather than the end of XXXX, they are now estimating I will not receive my refund until XXXX or XXXX next year! This is an absurdly long time to process a refund, and it feels like they are just keeping my money from me without proper communication or any accountability. I could be collecting interest on that amount in a savings account or paying off other private loans, and instead they are just pushing back the goalpost on their obligations and causing me undue financial pressure and XXXX. This is unacceptable.