davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is a Capital One account listed that I owed them which I recall settling out an old Capital One account years ago and I do not owe a debt to Capital One. I have disputed this with no response please help. 

The account is reflected on my credit file as Capital One XXXX {$760.00}
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I m a Authorized user on two of my cousin account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have tried on two ocasion to contact Experian reporting agency i talk to a customer service both time they say it will be fix and it still not. i contact the first time in XX/XX/ and then in XX/XX/ and they continue to refuse to correct. My XXXX and XXXX reports both have my total revolving credit at XXXX where as experian have me at XXXX total balance.
Consumer complaint received 2024-10-09
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. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX First round of dispute sent to Experian. XXXXReceived an updated and verified status. XXXX Second round of dispute to Experian , no reply back. XXXXThird round of dispute to Experian, no reply back. XXXXSent an another 1st round of dispute to Experian, no reply back. XXXX sent another 2nd round of dispute to Experian , no reply back XXXXsent another 3rd round to Experian, no reply back. XXXX sent another round 4 of dispute to Experian , only updated and verified. XX/XX/year> - still no change.
Consumer complaint received 2024-01-09
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. (AZ)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2017-11-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I have been back and forth with Prestige Financial in regards to a vehicle that was repossessed back in 2016. This vehicle was sold at auction and I never received a notice of sale. When this company sued me and ultimately was awarded a judgement against me and tried to garnish my wages. I never received notice of the original law suit or signed a proof of service. When I discussed this with the company they said that their process server did have my signature. I expressed to them that it was a forgery and the agent dismissed my concerns. I agreed to start making monthly payments with them at some point but was unable to follow through due to unemployment. I have so far made one payment to them. 
I have recently reached back out to them to try and set up a payment plan. I offered {$50.00} bi-weekly, but they are refusing to take my payment. They want {$75.00} bi weekly. I received an email form one of  their agents emailed me today and basiclly threatened me that if I do n't " voluntarily '' set up this  payment this would be my last chance. I am not sure how to take this. I am in a financial hard ship and I am doing my best to comply with them. I am so scared that they will take legal actiion and garnish my wages which will put in me a further hard ship. I cant even focus at work thinking about this situation.
Consumer complaint received 2017-11-02
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: CITIBANK, N.A. (CA)

have been contact the citibank many times in the past, the executive XXXX XXXX finally called back, she agreed that what my claim was all true the agent made mistake regarding my account balance only told me that I should pay my balance whatever showed on my bill, even there is a return which will be a credit on my account. 
She is a real calm artist did nothing rather than telling me to pay the bill on my statement
Consumer complaint received 2021-07-14
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: M&T BANK CORPORATION (NY)

the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft M & T BANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: EAST WEST BANK (CA)

I want to close my East west XXXX checking account ending in XXXX, I called the Bank on Friday XX/XX/2020 to close the Account, the customer service agent said I will have to go to the bank to close the Account. I don't understand why this Bank makes you go for ever small thing to the Bank, and specially in this Coronavirus. This is crazy. 

Even when I had to apply for the credit card, I had to go to the branch personally. I have already deposited the check in my another Bank Account and all funds will be taken out of East West Bank on XX/XX/2020, I want my Account to be closed by that date.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-02
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (PA)

Reverse mortgage took avange of my father XXXX XXXX he had XXXX an XXXX   at the time of signing he wasn't in his write mind was XXXX he had passed away on XXXX XX/XX/19 date trying to save my dads house so reverse mortgage dont take the house plses call XXXX
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX mailed me a form that said I was pre-selected for their Arrival+ card. I would earn XXXX bonus miles after spending {$3000.00} in the first 90 days. Apparently, their pre-selection process is not very good because they eventually sent me a letter requesting additional information. I had to call them to find out what. Annoying. So the person on the phone informs me that they need photocopies of my driver 's license and Social Security card and a bank statement with my address. //////////////////////// The person also informs me that the XXXX mile deal has expired AND that they 've already done the hard pull. So XXXX has now harmed my credit and taken away the bonus that was the reason that I applied in the first place. All due to their fake pre-selection process ( which is really just spam ), their business practices of doing a hard pull before getting the information that they need, and their own sluggishness. //////////////////////// I sent in the info anyway because, oh well, they already did the hard pull. This was on XXXX XXXX. //////////////////////// Then on XXXX XXXX, I received a letter asking me to send in that same additional information. I went to their website and they have a feature to check my application status. I put in my information and the message is, " Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. '' This has nothing to do with my creditworthiness. I have a job that pays well, no debt, no mortgage, a nearly perfect credit history, a FICO score in the high XXXX, and I have never been rejected for a credit card. This is n't even a very good one.  This is due to their complete mismanagement and spammy credit offers.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (WA)

We applied for a mortgage with PrimeLending after being pre-qualified for a loan because we were assured that we would close on XXXX XXXX, 2017 and because of the low rate we were quoted. Four business days before closing, the lender stated that they could not close the loan on that date, and the only way we could close the loan in a timely manner ( an additional 4 days ) was to go with a different loan product that required less underwriting. This increased our interest rate more than 0.5 % and our closing costs {$4000.00}. 

Our extension with the seller is now about to expire, and we have not been cleared to close, even at the higher interest rate. Not only have we been forced into a bait-and-switch scheme because we have no other choice at this point, the seller may choose not to extend the contract again and we will be in breach of contract with the seller.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have had 3 transactions someone hacked two checking accounts and one debit card from Bank of America the Bank has changed my account numbers, but the happen again in the new account The banks has been difficult to work with and the fraud department will not return my calls one withdrawal was from a checking account that was set up to pay my mortgage the check card charge was a payment to XXXX XXXXXXXX we do n't do business with that bank
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (PA)

With Pay Pal I never opened the line and have asked them to close it. They keep saying I must call them. When you call there is over a 20min wait. I have asked them to call me and the will not. I have emailed them a few times and they will just not close it. 

XXXX XXXX. 
PayPal Credit Customer Care- is the person who has been no help
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-04-01
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: MS SERVICES LLC (NC)

My bank, XXXX XXXX XXXX XXXX, allegedly submitted a collection to MS Services in the amount of {$150.00}, but I do not owe the bank any money. The bank denies submitting the claim to the collection 's agency and my final statement clearly shows a zero balance and that I do not owe anything. Especially given the times, I am unable to open a bank account or get a credit card and need this matter fixed immediately. I sent the collections agency a letter, as they were extremely rude and would not work out the oversight over the phone on XX/XX/2020 and I would really appreciate some assistance.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

we have a mortgage loan with SunTrust Mortgage ( investor is SUNTRUST Bank , Inc. ) on a rental property in XXXX North Carolina. it was a 5/1 interest only mortgage after 10 years the loan converted to a 20 year fully am adjustable. the payments have more than doubled. given the vacation/resort nature of the property the property primarily rents and brings income in to help cover the cost of the mortgage during the summer months. but now we are unable to make the mortgage payment with a son in college and one going next year. the rental income for the 2018 season will not start coming in until XXXX so we will be unable to make XXXX, XXXX and XXXX mortgage payment. 
we had requested a modification of the loan terms so we could better afford the payments and cover with the rental income that comes in. Some major safety repairs to the deck also must be done or the people will not rent the home. double edge sword. ca n't afford to fix it up. we are looking in to short sale but after speaking with cpa, the cost will be over $ 75k at the end of the day. 
the modification was not approved as they performed a debt ratio that appeared we could afford it but they did not take in to consideration ALL debt and income has since declined. 
in the response to the modification, it stated that if the property is in the state of North Carolina, we could file a complaint with www.nccob.gov from that site, i was brought here
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (MA)

I wrote to XXXX XXXX of Stuart Lippman Associates of XXXX on XXXX XXXX, XXXX to protest the extortive demands of their client, XXXX XXXX XXXX or XXXX : Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, The Consumer Protection Act, I am writing to request relief as outlined in that statute. 
On or about XXXX XXXX, XXXX, the following unfair or deceptive act ( s ) or practice ( s ) occurred : Your debt collection entity called Stuart-Lippman and Associates , Inc. ( SLA ) purchased an unsubstantiated debt file from XXXX XXXX XXXX XXXX with the intent of making a modest profit on fabricated claims. To clarify : my brief and indirect connection to XXXX XXXX ended when the group leader left after less than a year and disbanded our team. I left XXXX shortly afterwards and I have had no further communications them. The bill of attainder that SLA forwarded is pure fabrication. I never had an office at XXXX XXXX, never used the telephone, never had a voicemail box ; I didnt use the XXXX, or the fax. I paid for my own health insurance and my registrations/licenses, so I am not only puzzled but annoyed that I am being charged for alleged services that I never received and then hounded by your extortionist claims. The form letter that your entity, SLA, sent to me refers to a commercial debt and warns that you will pierce the corporate veil of my non-existent company. Clearly, your entity has confused me with someone else. There is no company, no corporate veil, and no debt. 
I can depose the former team leader of our small group to confirm that we met no more than XXXX times in XXXX. We explicitly chose to not rent overpriced and unused space there ; we all used home offices. It is remarkable how barren the support from that firm was to assist our team in business development. In addition to the total absence of office amenities, there was no marketing support, no lead lists generated, no outbound calling, and no clerical support. 
I believe that your practices are declared unlawful by Section 2 of Chapter 93A, which declares unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce unlawful. I hold you and your entity accountable for threatening me with legal action, with damaging my credit, and with regulatory action. 

Given the nature of my work, your entitys threat to damage my credit and to lodge a regulatory complaint that is based on blatant lies undermines my ability to pursue my professional career in financial advising. 

This letter serves as my request for the following relief : XXXX. Under the provisions of Section 9 Chapter 93A, I am providing you with the opportunity to make a written offer of settlement of this claim within 30 days. If you fail to make a good faith offer of settlement in response to this request, and I institute legal action, a court may award me double or triple damages, attorneys fees and costs if the court finds in my favor.
Consumer complaint received 2017-11-02
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (TX)

XXXX XXXX, Please answer the questions that are with in the complaint and not a computer generated response that has been indicated in every response that you have submitted. Please provide the proof of notice that was mailed on XXXX/XXXX/XXXX and a statement from the property that the assumed debtor was occupied by XXXX XXXX at the time of mailing. This is to verify that an actual NOTICE was ever sent within the time frame of the law. Also please provide the matching identification ( government issued XXXX to the contract that you are stating that I have with MOSIAC. Verification must be verified with the actual presented documents. I will continue to communicate with you through this portal because to secure a XXXXaper trail in this next process. Again, please attach the  actual letter that was actually sent to XXXX XXXX XXXX XXXX. Addressing me and all information that is required within the 5 day timeframe, thanks. 
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed  agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
XXXX XXXX please provide your title with the company XXXX.
Consumer complaint received 2021-02-02
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: CITIBANK, N.A. (OR)

Since XX/XX/2020, someone has been applying to credit cards under my name. The cards they applied to were XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, citibank, and more. I've called some of the credit card companies to terminate the application and they said the person who applied has all my personal information including my social security. I've sent a police report and set up a fraud alert on my XXXX account, but they are still applying even today.