davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
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 (MD)

Capital one account was removed from my credit report in XXXX of XXXX, and reappeared in XX/XX/2020. It showed 30 days late back in XXXX when I called to find out what was going on they advised I called to close the account. Ive never contacted capital one to close the account, that was the first line. I was unable to view the account online to even make a payment. The access was restricted. They sent me information to review my information to verify if this account is mine. I was locked out of my account for months, received no statements had no idea what was going on with the account. I finally was able to get access to account in XXXX after months of no assistance. I was denied access to my account, they removed the account from my credit report and added it back closed with a 30 day late that was originally XXXX they updated it to XXXX once in the beginning of XXXX before the payment was even due and towards XX/XX/XXXX. The reporting is inaccurate. The account has been closed since XXXX yet it was just updated this month XXXX as being closed. So Capital One reported my account being opened for months when it never was opened.
Consumer complaint received 2022-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRUIST FINANCIAL CORPORATION (TN)

I have been trying to come up with a payment plan that fits my budget. The bank only wants to put me on a payment plan where I am paying {$1000.00} per month ( which I can't afford or an interest only plan. With interest only, I am not paying any on the principal. I will be paying forever. I have asked for a plan where I am paying {$500.00} per month and this is all they are offering me.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i have sent over 3 dispute plus letters from the courts an XXXX XXXX  an XXXX XXXX  say the info is incorrect ask trans union to delete it from my file but the keep say its correct when they have the paperwork saying otherwise please delete it from my file
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Pentagon Federal credit Union has placed several accounts on my credit bureau that I never applied for. I am a victim of identity theft, These accounts are not mine. A hacker used the personal information he obtained on the XXXX XXXX because of the XXXX  Data Breach.
Consumer complaint received 2022-09-26
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 (NY)

I called Capital One in early XXXX to see if they could send a duplicate card as I share residences and specifically asked to not reissue the card as it was not lost or stolen it was just in a different location and I wanted to make sure the account was not closed due to inactivity as it is my longest credit card account ( over 20 years ). The representative did not listen and instead issued a new card ( telling me that the card number I had for over 20 years was no longer valid ). She said a new card would be mailed, but that anything with the old card number would no longer work. I haven't used the card in over 2 years and recently reactivated a subscription that was previously canceled to which to my surprise was charged to the account I was told no longer worked. I had the card locked through the app and the representative unlocked in early XXXX without my permission and then today I'm told that any previous " subscription '' or merchant that has my card on file can use it and that there is no recourse or operational ability to lock the card to any and all charges. I do not want the account closed as it will hurt my credit score, but I do not want anything charged unless I specifically need to make a charge to keep it open and purposefully and with authorization make that charge. Capital One gave me a po box to send a concern to, which means I am open as a consumer to fraud at any point and they are on notice that the account should not be used and refuse to ensure my safety as a consumer. The only option is to close the account, which would punish me needlessly and without anything being my fault. I am appalled that anything can be authorized without my permission and at this entire situation and feel helpless among a global conglomerate that I had no issue with and was just trying to manage my credit score appropriately. Capital One has stated they do not have a department that handles complaints or issues where they are at fault and wanted me to dispute the charge that the merchant in good faith charged, which is fraud by Capital One.
Consumer complaint received 2022-09-26
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I spoke with XXXX today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 XXXX XXXX and Equifax are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-26
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. (MD)

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 719transunion 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-03
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. (CA)

This information does not relate to any transaction that I have made. I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2020-08-24
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: TD BANK US HOLDING COMPANY (GA)

The item on my credit report, TD Bank XXXX/TARGETCREDIT, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX XXXX XXXX XXXX who represents TD Bank XXXX/TARGETCREDIT for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX XXXX XXXX XXXX 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX XXXX XXXX XXXX that represents TD Bank XXXXTARGETCREDIT ( please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; XXXX, XXXX  and XXXX. I have also reached out to Target over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to Target over several months.
Consumer complaint received 2018-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is listing 2 accounts on my 3 credit bureaus which are nor mine. I am a victim of Identity theft and these accounts are not mine. A hacker got my personal information on the dark net from the XXXX   Hack and has formed several accounts in my name. Remove these accounts ASAP!!!
Consumer complaint received 2020-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

For 2-3 years, I have attempted to negotiate a fair, affordable payment with my loan servicing company -Fed Loan -. Despite phone calls, payments, applications, deferments, forbearances & budget submissions the company keeps demanding a payment amount that is double what I can afford. I'm at the point where I feel like the whole thing needs to be forgiven, so we can all start fresh. 30+ years of debt & interest accumulation is unnecessarily burdensome. Signed Borrower
Consumer complaint received 2021-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (NY)

Early warning services has applied me to there system in the past couple of days for no legitimate reason and will not respond via phone call or email i was never given notice what actions by me would cause me to be put on there system so how would i know something as simple as inquiring for credit would cause this? The credit agencies XX/XX/XXXXand XX/XX/XXXX all tell me to apply for new credit? So you tell me to apply for credit to build my credit history and when i do they penalize me for inquiring? This is a very bad fraud prevention and is only hindering me building my credit
Consumer complaint received 2020-08-24
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)

filed ftc accounts names address not mine XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$180.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$420.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$190.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$480.00} Date OpenedXXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payment date not reported Account TypeAuto Loan Balance {$7000.00} Date OpenedXX/XX/XXXX Detailsunder dispute icon
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX  The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my credit score XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency trans union and XXXX there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXXe still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi I have a claim denied on Bank of America for the amount of {$120.00} due to fraud associated to my account. However I called to get more information as to why it was denied as they stated upon to exact information being wrote as to myself as if I did this transaction which I did not and this was around the holidays. Around each year around the holidays I always experienced fraud with them I never had a problem with denied claims as to now. Im in shock I am assuming someone close to me may have gotten to my info to do this transaction without my permission to this merchant. I would hate to close my account and move to a different bank due to this matter I have been with them for several years. But I do received a lot of fraud around the time of the holidays each year.
Consumer complaint received 2022-02-03
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: WELLS FARGO & COMPANY (CT)

Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am sending in a complaint/response to my previous complaint ( XXXX ). Not only did this company lie in their response to me I feel as though no effort was put into really looking at my case. They lied and stated that they tried to get in contact with me during the time I was trying to get a loan modification but they could not reach me. Not only is that a lie I was the one in fact calling them repeatedly to get my case settled and back on track with my loan. I would like Wells Fargo to prove that they have tried to reach me in any way and was unsuccessful in all their attempts. My phone number has literally been the same for the past XXXX years. And I remained in the home until they told me to get out. In my complained I stated exactly the respresentative I was in direct communication with the entire time I was going through the process and the person handling my current complaint ask me in the letter to whom did I speak with that told me not to begin making payments again until they completed the modification process. That in itself let me know not only did they not read me complaint, they did not research a thing in regards to my foreclosure because they should know the exact name of the rep that was helping me and all of the correspondences and documents that was exchange between she and I. They should have all of this information on file. If I had the money I would sue them directly for the way they have badly mishandled this entire situation. I honestly see why they been sued but the government and I hope they get sued again and go bankrupt.