davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I was with Bank of America for my mortgage. I was in a forebearance plan that ended XX/XX/2021 and I made my first payment on XX/XX/2021. I was then told I missed the deadline on the forbearance. I never received a phone call or letter stating that deadline. I worked with a woman at the bank who assured me she was putting me in a XXXX XXXX flex modification because of the bank error. She instructed me to decline any repayment option the bank offered so I could get this modification. She had her manager opt me out of them .XXXX  XXXX they notify me that my loan is being sent to a new servicer XXXX XXXX XXXX. 
This new servicer only sees that I opted out of the offers and refused to work with me on any other options to keep my home. Bank of America dropped the ball and now I'm at risk of foreclosure because of it. They should be responsible to complete what was started before the transfer or delayed the transfer until my loan situation was resolved. This had caused me extreme hardship.
Consumer complaint received 2022-10-12
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2022 Balance {$220.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

The account was opened in 2017 while I was in basic training to join the military and I had no knowledge of the account, it wasn't until a ew years later when I realized it and tried to dispute it. None of the information on the account match my personal information, email, phone number etc. Last year without my consent they updated the information on file to match mine so that it looks like its up top date.
Consumer complaint received 2019-10-21
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have been a victim of credit card fraud involving the Capital One Silver One credit card that I own. On XX/XX/XXXX thieves made online purchases on Walmart AR ( I live in XXXX XXXX ). I was notified 2 later and immediately disputed the charges. Of the charges, {$300.00} were effectively charged to my card and another {$300.00} were declined due to being over the card 's limit. After spending around 1h speaking to a non-native XXXX-speaking representative ( " fraud department specialist '' ) I received several emails reassuring me that I would not be penalized, as is their contractual obligation. However, the charges were made. I had another over-one-hour call with another non-native XXXX speaking " fraud specialist '', who was not familiar with the USA legal system and encouraged me to seek law enforcement. My card statement changed in front of me, on my computer screen, as they proceeded to lie, saying everything was taken care of. Another charge was done a few days later. Another hour on the phone. After that Walmart made what looked like two credits to my account and several days later Capital one charged me with {$300.00} as billing adjustment. After so many charges, credits, adjustments, letters with discrepant numbers, I have no trust that my actual balance is accurate. Capital One only reacts to legal threats. Their consumer review is the worst in the scale, by thousands of customers. I took time analyzing them and Capital One actually infringed the law with several of them. Finally, they lost my card on the mail and were going to charge me for a third card. Had I not reminded them that that, too, would be illegal, to which they responded that they would not charge me anything, I am sure I would. In terms of billable hours, they owe me at least {$1500.00}. However, they have caused serious damage : I have XXXX. I had to be medicated because of the pain caused by the bad connection. I have filed a XXXX complaint but havent heard from them.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (IL)

I have tried to dispute accounts with Experian, with these accounts. 

1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX 4. XXXX XXXX XXXXXXXX and I have not been successful in deleting it. Experian not compliant with FCRA 605b.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

I opened up a discover card and was told I would have 24 years interest free, today I called and spoke to XXXX ( XXXX ) in XXXX, Arizona. I told her I spoke with a man back in XX/XX/XXXX she informed me his ID was XXXX and I told her I called him when I was at the XXXX store in XXXX XXXX, Florida he raised my limit and said have fun spending its interest free, I double checked with him. Now they are billing me for the year XX/XX/XXXX and refuse to fix the issue. Please let me know what I can do? 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (IN)

( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I have a Loan being serviced by Carrington Mortgage Services, ON MY primary residence.Because of the various hardships, I explained to them, prominent among them being the severe damage to the building due to the deadliest ever HURRICANE SANDY ( also termed as SUPER STORM ) during XX/XX/2012 .After submitting a lot of documents, I received a so called Loan Modification. They sent the Trial Period Agreement by ordinary Post, without any XXXX or XXXX Return Envelope, like I am told other Banks are doing. I signed and mailed them back the Original Agreement. I also made all the 3 Trial Period Payments - well on time. I am surprised to hear from them that they cancelled my Modification because they did not receive the signed Agreement, back, although they acknowledge having received all the 3 Trial Period payments on time. Now they refused to take further payments from me and are asking me to apply for a Loan Modification all over again, which is totally unfair.
Consumer complaint received 2023-04-05
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-31
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: Atlantic Recovery Solutions LLC (OH)

In XXXX of XXXX I was contacted by Atlantic Recovery Solutions to settle a XXXX XXXX credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected Atlantic Recovery solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to Atlantic Recovery Solutions ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX
Consumer complaint received 2018-12-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

On XX/XX/2018, I sent {$50.00} to my niece in XXXX, XXXX. My niece is XXXX XXXX. The agent gave me XXXX as my confirmation number to give the receiver to pick up the money. When the receiver went to get the money, MoneyGram refused to give her the money saying the confirmation number was invalid. The receiver reached out to me and I called MoneyGram on Saturday, XX/XX/XXXX. The MoneyGram agent informed me after verifying my personal identifying information, that the confirmation number was not valid. she refused to give me the correct number saying that I needed to go to an agent location with a valid ID. I did. I visited the XXXX XXXX XXXX store on XXXX XXXX XXXX, XXXX, TN XXXX. I explained the purpose of my visit and the agent called MoneyGram. MoneyGram decided to issue a refund and provided a refund confirmation number - XXXX. However, I could not get the money. MoneyGram informed the agent that I needed to travel back to XXXX, GA to pick up the refund. I live in XXXX, TN and was visiting XXXX during the XXXX Holiday. I explained that I was unable to go back to XXXX. Even the store agent tried to explain to MoneyGram via telephone that I do live in XXXX and that she has verified my information. But MoneyGram refused and insisted that I must go back to Georgia. I left the agent location without getting my money back. 
Today, I called MoneyGram to resolve the issue. I spoke to the escalation department and told them the issue I was having in getting my refund. The escalation Department informed me that it would not be an issue to make a change from Georgia to Tennessee in order to get my refund. They advised that I needed to go back again to the agent location and let them call the escalation department so as to give them instruction to process the refund. I drove back to the agent location on XXXX XXXX and the agent called MoneyGram again from the store phone. I heard the agent informing them that the customer does live in XXXX. She asked for my ID and I provided my Tennessee Driver 's License and she gave it to MoneyGram over the telephone. To my dismay, MoneyGram still refused to give my refund but insisted again that I needed to go back to Georgia where I ordinated the transaction. Even the store agent argued that she did not see the rationale why the customer must go back to Georgia. MoneyGram refused and ended the call somehow impolitely. I called the escalation department again but I could not get any help to get my money back. I informed them that I would file a complaint with the CFPB. This is what I am now doing. Please help me get my money back.
Consumer complaint received 2022-03-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I recently viewed my credit report and noticed XXXX XXXX XXXX is reporting an alleged debt. The company XXXX XXXX XXXX is reporting a collection account that is NOT mine and is inaccurate. I've contacted Experian, have yet to receive a response.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

AS OF XXXX XXXX XXXX Ive noticed fraudulent accounts and inquiries 
ACCOUNT NAME :XXXX XXXX  
BALANCE UPDATED :XXXX XXXX XXXX
ACCOUNT NUMBER : XXXX
DATE OPENED 
DATE : -
CLOSED : XXXX XXXX XXXX
STATUS: INCLUDED IN BANKRUPTCY
COMPANY CONTACT 
Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Kohl 's keeps sending me emails requesting payment of {$290.00} for a Kohls credit card. 
I have called Kohls 3 times and told them I dont have a Kohls credit card. This could be a case of identity theft.
Consumer complaint received 2019-10-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (MS)

Navy Federal Credit Union continuously transfer monies without approval or without a promissory note. Doing this, continually cause my vehicle loan to be in default. I am a XXXX vet, and this angers me, cause much anxiety, distress, as well as aggravating my XXXX. I keep every money order sent to the credit union as well as certified mail receipts. The credit union wrote me and told me that I signed a promissory agreement but I have not. Have mutliple illegal transfers form accounts that can be easily seen on statements. I notified them about this but they continued to do so. I would like to request an copy of the signed and notarized promissiory note otherwise I would like to take them to court for fraud, inappropriate transfers, and illegal practices. I received constantly harassing phone calls at least 5-10 a day in which I can prove via phone records. I receive these calls just about everyday after I have paid. Because of the inappropriate transfers from one loan account to another loan account caused my vehicle payments to be late and then later recieving threats of repossession. Before the illegal transfers, I would be a month or so ahead of payment. Now they are giving me until the XX/XX/XXXX of this month before repossession. These kind of practices are illegal and create XXXX, XXXX, and XXXX XXXX. Its a shame how this instituion abuse and take advantage of veterans.
Consumer complaint received 2023-04-05
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. (NY)

Please See Attached I am writing on this letter myself please do not send me a in still asking for proof that you are speaking to the correct person. I am writing this letter and any attempt of writing another stall letter will be added to my potential complaint with my lawyer.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX, the registered agent of XXXX XXXX XXXX XXXX, is violating consumer Laws pertaining to my credit report. I do not have the account number as the credit reporting is extremely inaccurate and inconsistent, but the alleged account in reference is showing a credit card with a balance of {$13000.00}. 

This information is inconsistent across ALL XXXX credit bureaus, Experian, XXXX, and XXXX. 

Incorrect and inconsistent Account # Incorrect and inconsistent Date Opened Incorrect and inconsistent Date Last Reported Incorrect and inconsistent Date Last Active Incorrect and inconsistent Date of Last Payment Incorrect and inconsistent Payment History Furethermore a charge off may not report a past due balance under fcra laws. 

There is more than sufficient evidence on my report of negligence to the Consumer credit laws. Furthermore I have already disputed this account which XXXXXXXX XXXX has verified as reporting accurately. Let it be known you are now WILLFULLY violating consumer credit laws, which carries a greater penalty under law.
Consumer complaint received 2022-10-12
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! I also contacted the furnisher and they approve of DELETING the account from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX, XXXX XXXX XXXX