davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX   XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX  XXXX never late US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX  XXXX not mine US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX   XXXX not mine US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX  XXXX not mine US DEPT OF ED/XXXX    XXXX not mine US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS AD XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-04-17
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: BMW Financial Services NA, LLC (VA)

I was a victim of identity theft and had an auto lease opened under my name on XX/XX/XXXX. I also had 6 fraudulent credit cards opened under my name since XXXX. The suspect is my mother, who I no longer have contact with. All disputes were started in XX/XX/XXXX and all the credit card companies investigated and deleted the information under my name. However, BMW Financial Services refuses to delete the fraudulent information. I have provided more than enough documentation, police report included. They advised that I have to prove to them that it was opened fraudulently. This is wrong in every matter. The burden of proof lies on them, not me. I'm claiming identity theft so how can I furnish proof that I wasn't there to sign the auto lease 4 years ago? They told me they contacted the dealership to see if anyone can " remember '' who signed the paperwork 4 years ago. When I asked what would happen if they don't remember, they told me then there is nothing they could do. BMW Financial Services have been the most difficult company and don't care about ID Theft victims.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2019, I sent a check to XXXX XXXX XXXX in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
XXXX has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by XXXX XXXX cashing the check for the full balance.
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I borrowed {$1500.00} from the company. Know as XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. So far I have had my account debited for about {$3100.00} and company says that account balance is {$1300.00}. I feel that interest was too high. I went to XXXX bank  and got very little help. They gave me phone numbers, but I've had very little success talking to a live agent.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Betterment LLC (CO)

Complaint is regarding Betterment.

They offer Cash Reserve product, where they are advertising 4.75 % interest.

But their interest calculation and payment is fradulent.

For example. I initiated deposit into their account on Thursday. Money was withdrawn same day from my originating account. and posted on Friday.

On the Betterment side, they kept the deposit as pending until Tuesday, and didn't pay interest during this time when they already had my fund. 

This is fraudulent. XXXX offers similar product where they start paying interest while they say the deposit is " pending '' I have attached their support response on this issue I raised with them.
Consumer complaint received 2020-04-17
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to get ahold of Bank of America for 6 weeks to ask where is my EDD debit card. The funds are going on and have no access to the funds because Bank of America refuses to answer my questions. I have been out of work for 6 weeks at no fault of my own and I can not get my funds I need to survive.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CAPITAL ONE BANK is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-16
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. (FL)

I am requesting to remove all negative accounts which I listed in Identity Theft because all accounts are not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-04-16
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)

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are three accounts that are not mine with negative history appearing on my credit. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies nor have I ever signed any contract or agreement in regards to these accounts that are in negative standing. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I stayed in XXXX  XXXX  XXXX My lease was up and I moved out XX/XX/XXXX I have proof when I transfer my Lights to my new residence XXXX XXXX XXXX And I have My new lease when I moved in XX/XX/XXXX XXXX  XXXX  is saying I stayed in there XXXX And theyre charging me a whole month worth of rent
Consumer complaint received 2020-04-16
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-04-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

We refinanced our home a few years ago with XXXX XXXX. Eventually, our loan was purchased by a debt collection company, Lakeview Loan Servicing , LLC, based out of XXXX  XXXX, VA. Because our loan isn't serviced by a major bank, nor is it one of the types of loans specified as eligible for deferments during the pandemic, Lakeview is only offering forbearance plans. 

On XX/XX/XXXX of this year, I phoned their customer service and asked if I could learn more about the forbearance plans they offered. I confirmed I wasn't asking to enter one of the plans at that time. I merely wanted to talk to someone about them. I was told I would hear back from someone in their mitigation department within 5-7 business days. No one ever called, or attempted to call, according to my phone log. 

I have auto-draft, so the mortgage payment is normally taken out of my bank account on the 1st day of each month. In XXXX, no auto-draft took place. When I called Lakeview on XX/XX/XXXX, I asked what was going on. They informed me THEY had disconnected the auto-pay and placed me in a forbearance plan. I told them I had never agreed to either of their actions, nor had I ever heard back from anyone when I had inquired about it. They checked their logs and admitted this was true ( my wife and I recorded this phone call ). 

In the XX/XX/XXXX call, I asked that they reinstate the auto-draft. They said they would, and that the payment should be taken out on the XXXX or XXXX ( the date I wrote this ). Today, XX/XX/XXXX, I went to their website and it indicated auto-draft was never reinstated, so I manually made a payment on the site so we would be current for XXXX. 

In reading comments about Lakeview, their forbearance plans are such that if, say you didn't pay for 6 months because of loss of work due to the pandemic, you would owe the entire amount for those 6 months once that period is up. In light of current circumstances, many people will struggle to keep their mortgages current one month at a time, and very likely won't have the total of 6 months ' worth of payments when that period is up. When people can't pay at the end of the forbearance plan, their credit scores are trashed and their homes likely will go into foreclosure anyway. 

There are still homeowners who do not have the protection of deferred payments, either because of their type of loan, or which outlet is servicing it. Lakeview isn't required to offer deferments, so they aren't. Instead, they are placing people into forbearance plans that will often cost them their homes anyway. On top of that, in my case, they did so without my knowledge or permission. 

They appear to be a predatory debt collector, and I would like them warned, investigated and sited. Doing business in California is a privilege. Doing it honorably is an obligation.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2020-04-16
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. (LA)

XXXX  ; Experian  and XXXX should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX XXXX XXXX XXXX XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I lived at the apartment complex for ( 1 ) year and I paid on-time every single month. I never missed a payment. They offered for me to stay if I agreed to a raise in my rent. I decided I wanted to move. I completed my original lease term, gave the appropriate notice to vacate and moved out. This collection is completely unsubstantiated. I did not owe any outstanding debt and therefore there is nothing to collect and/or chargeoff. I did not know that they sent this account to collections until I obtained a copy of my most recent credit report. This false reporting of a collection/chargeoff that I do not owe and that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the apartment complex as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

A loan ( line of credit ) was established with BANK OF AMERICA in XXXX XXXX shortly before the housing crisis in XXXX. Many went under through no fault of there on and others managed to struggle on. I am one of the strugglers who never really recovered but, refused to quit. Some how through the years all of the vendors, creditors, and people owed we were able to pay, except BANK OF AMERICA. Minimal payments were made and multiple request for a payment plan or interest reduction or something that would remedy the situation. Even though they were bailed out they would do nothing to remedy a situation that they helped to create. Now, almost 12 years later XXXX in interest on a balance that remained the same I/WE ask for your help. ACCOUNT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-04-16
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)

I was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit.

1 I dont understand the payment history of this account and how the charges went from XXXX to XXXX 2 I asked for the original contract bearing my signature.

3 I asked for the payment history and last payment date made on this account.

4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a Real estate Internet Solution!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!
Consumer complaint received 2020-04-16
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)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00}
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CT)

I paid the credit card company Elan before the due date of {$350.00} This was taken out of my checking account on XXXX XXXX BUT was not applied to the balance showing available credit of XXXX! 
I called the credit card company and the customer service person stated that it was being held since they were not sure if they would have gotten paid since a payment was returned in XXXX of 2020! 
I have never had a payment returned ever! 
I did pay the credit card twice in XX/XX/2020 so I requested that they send back one of  the payments. The credit card company did return one of the duplicate XXXX payments on XXXX XXXX. 
Furthermore the rudeness and unprofessional attitude was unbelievable especially during this time of the virus one would think that kindness would be prevalent!