davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I would like my current and former creditor CAPITAL ONEto delete two old closed accounts for the explanation that follows.the accounts are XXXX   AND XXXX.they have appeared on XXXX XXXX   and XXXX at various times inconsistently due to my numerous dispute efforts.I have an understanding and knowledge of the fact that the bureaus and creditors have not held their customers accountable in time of "natural disaster" and "acts of God"that affected the consumers ability to meet their loan commitments .I HAVE EXPERIENCED AN ACT OF GOD AND AN OCCURRENCE SO SEVERE AS TO MAKE ANY NATURAL DISASTER LIKE A FORREST FIRE SEEM MINOR.My recently deceased,divorced father had XXXXl XXXX.There was no one but me to care for him,pay his rent,make all medical decisions and feed clothe and bathe him till the end.At the time of my lates was a time period of surgeries,some elective and experimental to attempt to save his life.I was younger and overwhelmed with the constant hospital environment and the life or death gambles I was making on my father's behalf.I was late on my loan commitments but caught up.Please be a human being and remove my accounts as the lates are devastating to my young credit and the fact that Itruly did have solid mitigating circumstance,ACTS OF GODTO CAUSE THOSE LATES.
Consumer complaint received 2019-08-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (CA)

Ncb management service a debt collector trying to collect a debt that I don’t recognize, a wrong balance they have it as an open account reporting it every month with a balance . They are violating my rights and damaging my credit score is costing me money . I demand to delete it of my XXXX  credit report and any other credit agency!!
Consumer complaint received 2019-08-20
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. (MS)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts  XXXX XXXX XXXX****, XXXX   XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX**, XXXX    (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX**** , XXXX XXXX XXXX  (Original Creditor: SXXXX XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX****
Consumer complaint received 2019-08-20
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. (LA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****,XXXX XXXX**,
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (GA)

Hello I reached out to you all back in XXXX about some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX.
Consumer complaint received 2019-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (PA)

My husband  went to Prime lending in XXXX  Pa. A loan specialist name XXXX XXXX approved my husband for a mortgage of XXXX. He didn't go over anything about the mortgage process except that he was approved. While looking at homes XXXX  text our realtor that he could approve my husband for XXXX. Our realtor and I thought it was strange because nobody asked him to up the budget. We just figured he went over my husband's income and credit again. So then we found a home, and put an offer on it. When the listing agent found out who our lender was she refused to work with him. Due to him lying in the past, forging paperwork,  and not being able to close on homes before.  We tried to convince her to work with him. We ended up finding out we indeed not qualify for XXXX. That he tried forging our paperwork too, and was lying about everything.  He never explained anything to us, never went through any of the paperwork with us, and was pretty much just making it up as he goes. We aren't the only people he's done this too. We have learned from other people that this is how he does business.  People are losing homes, and money because of him. He needs to be stopped.
Consumer complaint received 2019-08-20
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. (FL)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap: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  and XXXX XXXX XXXX
Consumer complaint received 2019-08-20
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. (LA)

Since XX/XX/XXXX XXXX XXXX and equifax have been reporting wrong on my credit report. The truck was paid in XX/XX/XXXX. They are reporting that the payments have been late in November XX/XX/XXXX and XX/XX/XXXX. The truck was paid in XX/XX/XXXX no way it was late. I would like my credit score recalculated and fix asap.
Consumer complaint received 2020-02-13
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: EQUIFAX, INC. (AR)

I pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION (WI)

Alaska Commission on Postsecondary Education # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Both my wife and I have attempted numerous times to temporarily lift a credit freeze with Experian.  Our attempts include both the online process at XXXX AND 4 different phone numbers (XXXX-XXXX-XXXX, XXXX-XXXX-XXXX, XXXX-XXXX-XXXX & XXXX-XXXX-XXXX).  I do not know how I got to talk to a real live person, XXXX, but he helped me with temporarily lifting my credit freeze using the PIN provided to me by Experian at the time the freeze was put in place.  He provided me the XXXX-XXXX-XXXX number, but my wife has not been able to talk to a real live person.  Experian needs to have an option to talk to a real person as the phone options either end in a infinite loop, it hangs up, or it informs me to submit a long list of documents to mail.  The online process results in sending the long list of documents.  My wife's PIN did work at a credit union when we applied to be members on XX/XX/XXXX.  We put a credit freeze at all 3 companies in XX/XX/XXXX. We received PINs from all three.  XXXX  and XXXX online process worked perfectly.As I am filing this complaint, my wife tried one last time to temporarily lift her credit freeze online.  It worked!!!! I don't know why it did NOT work in the past. Maybe because of the credit pull the credit union did resulted in Experian's system to recognize the PIN.No person should have to go through this much effort to either freeze or lift a freeze.  ALL credit score companies should be required by law to provide an option to talk to a real person.  It is a invaluable to people to freeze their credit in order to reduce the chance of identity theft.  It is also invaluable to people to lift the freeze when needed without undue burden.
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tri-State Adjustments, Inc. (NY)

Emailed XXXX, XXXX,XXXX XX/XX/19 with message: "As related to the attached please provide all invoices to XXXX  and to me for $XXXX and $XXXX. Thank you."No response.Attempted CFPB upload of Tri State Adjustments Inc.pdf denied.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/19 I notices an alert that said my XXXX card was past due .I went to the website to see why this happened .It appears I have another late fee as well. I called customer service to try to set up auto pay as this is very helpful, It seems that even though XXXX is a Comenity bank they do not have auto pay. You can schedule a payment a month out, which I did but of course things get busy. I talked to rep and motioned I had not been getting my statements and they don't have auto pay so I felt I have been set up to fail and that the late fees were a form of extortion. ( I do not have paperless billing ). How can they legal charge a late fee with out auto pay. She said that's the way they work and my bank can send out a check every month. I requested the fees waived she said you had a fee waived in XXXX. I did as I didn't have the card or the statement to pay the bill. She said they only allow waiving of 1 late fee. I have several cards from Comenity they all have auto pay.
Consumer complaint received 2019-08-20
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. (FL)

I have incorrect information on my credit file as a result of identity theft:HARD INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX(XXXX) XXXX-XXXX Requested On: Inquiry Type: XX/XX/XXXX, XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX-XXXX Requested On: XX/XX/XXXX Inquiry Type: Individual XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX-XXXX Requested On: Inquiry Type: XX/XX/XXXX Individual XXXXCOLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  (XXXX) XXXX-XXXX #XXXX** Placed for collection: Responsibility: Account Type: Loan Type: XX/XX/XXXX Balance:Date Updated: Original Amount: Original Creditor: Past Due: $XXXX Pay Status:XX/XX/XXXX$XXXXXXXX-XXXX XXXX XXXX XXXX (Medical/Health Care) >$XXXX< >In Collection< Individual Account Open Account COLLECTION AGENCY/ATTORNEY Remarks: >PLACED FOR COLLECTION<Estimated month and year that this item will be removed: XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX-XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX-XXXX COLLECTIONS:XXXX XXXX Potentially Negative Account Name XXXX XXXX Balance $XXXX Account Number XXXX Balance Updated XX/XX/XXXX Account Type Collection Responsibility IndividualRecent Payment Monthly Payment Original Balance Highest Balance TermsOn Record Until$XXXX$XXXX $XXXX $XXXX 1 Months XX/XX/XXXXXXXX XXXX XXXX XXXX Collection Responsibility Individual Balance $XXXX Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX $XXXX  $XXXX  $XXXX $XXXX 1 Months XX/XX/XXXX Date Opened Status Status Updated Payment History XX/XX/XXXX Collection account. $XXXX past due as of XX/XX/XXXX.  XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX-XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX-XXXX-XXXX-XXXXXXXX XXXX-XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX-XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX-XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX-XXXX-XXXX-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $XXXX $XXXX  XX/XX/XXXX UNPAID Balance DateAccount Designator Code Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX-XXXX-XXXX-XXXX XX/XX/XXXX INDIVIDUAL_ACCOUNT XXXX XXXX Medical or Health Care XX/XX/XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Management Services (NY)

USPS delivered XX/XX/19 sent from Affiliated Management Services Inc. a falsely alleged amount due to " Breathe '' of {$30.00}. Attempts to call XXXX to request email address to attach USPS document received and resolve false allegation repeatedly obstructed. 

Attempted upload of Affiliated Management Services Inc.pdf denied.
Consumer complaint received 2019-08-20
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. (LA)

The purpose of this complaint is , I request that XXXX XXXX   #XXXX,XXXX #XXXX formally substantiate account dataXXXX XXXX #XXXX,XXXX #XXXX conferred to the major credit bureaus for me, XXXX XXXX, withrespect to the unverified  accounts. Since errors may becontained within in that data, I hereby request that your company collect andforward the formal validation within a month of receipt of this request. In additionplease supplement with materials which verify that the account was not utilized as aprofit-loss tax deduction after my time as a student. I need more than a summaryone-sheet. Instead, I have demanded a substantive validation. Should you be unableto comply with my request during this reasonable period, any data disseminated fromyou to the major consumer reporting agencies must be considered counterfactualand may bespeak XXXX XXXX #XXXX,XXXX #XXXX  desire to ignore consumer protection law. If thisis the circumstance, kindly annul such bureau reports upon your next transmittal.Thanks sincerely for your assisting me.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX  claimed to consolidate my student loan and bring it down to 50% if I continued to be employed for a minimum of 5 years. XXXX would begin the process only after I paid the fee which included 2 installments of $XXXX and they would not accept any other form of payment other than my bank routing and checking numbers. Once they received the payments, they would contact my loan servicer, XXXX Student Loan Agency, and submit my repayment plan/contract. I paid them a total of $XXXX from XX/XX/XXXX to XX/XX/XXXX. After I continued to receive bills from XXXX I decided  to contact them and see why I was still behind on my payments. XXXX assured me that they do not interact with third party companies about student loans and if I needed a forbearance they would help me directly. I told XXXX that I had a contract/plan from XXXX to send them and that this company assured me they would contact XXXX to help with my student loan. XXXX apologized for the inconvenience and told me to contact my financial institution to let them know I had been a victim of fraud. I contacted Bank of America immediately and they returned the $XXXX but only to take it back a month later. I called Bank of America onXX/XX/XXXX and asked why they left my account negative and they said that XXXX forward them the contract where I gave them permission to take this money from my account.
Consumer complaint received 2019-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX XX/XX/XXXX (now XX/XX/XXXX) did a hard inquiry through Capital One Auto Finance without my permission.On XX/XX/XXXX XXXX XXXX did a hard inquiry through Capital One Auto Finance without my permission.On XX/XX/XXXX XXXX XXXX XXXX  did a hard inquiry through Capital One Auto Finance without my permission.I have documentation from all three dealers to have these inquiries removed.
Consumer complaint received 2019-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

My husband and I have AGAIN been denied TEPSLF, despite being guided through the process by FedLoan Servicing case managers. The first time we were denied TEPSLF, we were told in writing to make three (3) more payments, resubmit employment verification and resubmit the request ot the TEPSLF program to have our loan forgiven. We did all of that. Our case has been screwed   up from day one (1) with FedLoan servicing. We have CONTINUALLY been given misinformation regarding our case. No one ever gives the same answer, and the ball has been dropped over and over again. I have document after document, email after email and phone call after phone call, of misrepresentation and guidance by Fed Loan servicing staff and agents. My husband and I are now planning to seek legal advice because of the most recent correspondence denying our request, for not having made 120 qualifying payments under TEPSLF. It is sad, that our case has been so mishandled and drug out by FedLoan Servicing,  we are having to are consinder legal counsel. It appears as though we continue being led in a cirlcle, in an attempt to collect money. We are both public servants who have served well beyond the the required time in service, and made well more than the required payments to qualify. The poor business practices, lack of training, and knowledge of the law by FedLoan Servicing personnel continue to cause our family mental anguish and undue stress. The practices by this company border on criminal. It seems we are nothing more than a revenue stream, whom FedLoan Servicing has no intent of letting go.
Consumer complaint received 2019-08-20
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. (FL)

To whom it may concern,Please consider this letter as a formal, written grievance against the mishandling of the federal loan account ending in  XXXX and, the subsequent disputes regarding an erroneous delinquency reported to the credit bureaus, to include XXXX, XXXX   and Experian. I implore you to review the inconsistencies within your internal emailing system and the misstatements given by your managing account specialists. Moreover, I would like to bring your attention to two phone conversations held with federal loan specialists, in which the first agent provided contradictory information to that of the 2nd representative.Initial call took place on XX/XX/2019at proximately XXXX XXXX. Please track sequence and review this call. Within this call, the representative scoffed at me to imply that I was lying about ever submitting a deferment.  The federal loan account specialist confirmed with upmost certainty that there was absolutely no record of Any deferment documents in her system. Her condescending tone was quite discouraging therefore, I allowed her to terminate the callWithout resolve. She advised, as you will hear from the recording, that without a confirmation email, no receipt could be verified. Later that evening, I called and advised that I would record the call for quality assurance. The call had to be transferred . XXXX  (XXXX sequence number) was gracious enough to review file. After searching multiple times, she was able to confirm my deferment documents. This leads me to believe that when the deferment was confirmed over the phone previously , that the file was mishandled, file was not denoted and I, misinformed. This has caused a great deal of emotional distress upon me. I have pleaded for assistance but, instead I’ve been ignored and bullied by the federal loan team. I have attached phone records for your reference so that you may locate calls and I have printed both confirmation emails.This is my last attempt to resolve amicably.If not able to resolve, I will retain counsel to litigate these matters. Please be advised that a copy of this letter and supporting documents will be provided to credit bureaus. Regards.
Consumer complaint received 2019-08-20
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: TD BANK US HOLDING COMPANY (LA)

On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX did hard inquiries against my wishes. One of these hard inquiries went to TD Auto Finance. XXXX XXXX has admitted their mistake & provided me with a letter to have the hard inquiries removed.