davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-30
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: First Data Corporation (TN)

Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX {$25.00} XXXX $ XXXX $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XXXX. The wage earner case number I was discharged from in XXXX is XXXX. Originally filed XXXX XXXX. I paid the courts {$18000.00} in XXXX from a settlement I received from a medical malpractice law sue I filed in XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX Family began to prepare my death.
Consumer complaint received 2017-07-30
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA (OH)

This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them on XX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX. At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

in XX/XX/XXXX I received a notice from alaska airlines visa signature credit card that I owed {$170.00}. this was {$100.00} purchases on the card and {$75.00} renewal fee for the card. 
on XXXX I paid them {$100.00} and cancelled the card. 
each subsequent month, I have received a higher bill from bank of XXXX. 
I have attempted to negotiate with the a number of times, they have subtracted a late fee once or twice but still keep billing me for increasing amounts, even though the card has not been used since XX/XX/XXXX and was cancelled in XX/XX/XXXX I even paid them a late fee after the latest negotiation on XX/XX/XXXX of {$27.00}. 
however, they continue billing me and the total due XX/XX/XXXX is {$230.00}. 
can you please help?
Consumer complaint received 2017-07-30
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)

The following accounts are fraud and do n't belong to me. I have disputed with Equifax, XXXX XXXX & XXXX a number of times and it comes back as verified. But Equifax ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
Consumer complaint received 2017-07-29
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. (WA)

I previously filed a complaint XXXX which was resolved to my satisfaction by XXXX 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding XXXX tradelines. After correctly reporting these to all 3 bureaus, XXXX reverted to the prior incorrect reporting with Equifax and XXXX. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, XXXX  has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
Consumer complaint received 2023-05-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (TX)

When we refinanced our mortgage. A man came to our home and talked to my husband about the mortgage. He was from Village Capitol, we previously had XXXX, I believe. He promised our rate would never go up. He gave us an interest rate of 2.25 or something like that. My husband passed away in 2019 and my interest rate has gone up the past 2 years. I tried calling them and they said our interest rate was only locked in for 3 years. I am a surviving spouse whose income has dramatically reduced since my husbands passing.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I previously filed a complaint XXXX which was resolved to my satisfaction by XXXX 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding 2 tradelines. After correctly reporting these to all 3 bureaus, XXXX reverted to the prior incorrect reporting with XXXX and Transunion. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, XXXX has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I disputed numerous accounts with proof of Police Report and Fraud Investigator 's Report. I have been disputing the same accounts with Equifax for over a year now in which not only have i faxed the reports but also sent them certified mail twice.I am a victim of Identity Theft. Even on the Police report, it tells you the persons that stolen my identity. Equifax INSISTED they WERE MINE and VERIFIED by THEIR INVESTIGATORS! Yet, XXXX and XXXX has removed every one of those accounts. I have attached the letters, police report and FTC reports, ID and SSN card in which I have sent to Equifax. please Help
Consumer complaint received 2017-07-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. XXXX XXXX and XXXX  has removed the erroneous XXXX XXXX / XXXX XXXX information while Equifax continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response dated XX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXXindicates that the information that was used was provided by Equifax. The some of information that was offered by Equifax is attached to the bottom of the Notice. I have never offered an  explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported from XX/XX/XXXX thruXX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by Equifax when XXXX XXXX recently removed the information while XXXX had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok. XX/XX/XXXXXXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now XXXX XXXX XXXX.
Consumer complaint received 2017-08-23
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

I have made several phone calls to Navy Federal Credit Union in the last year and have gotten nowhere. I opened a secured credit card through them in early 2015. When I opened the secured card with my {$500.00} deposit Navy Federal was supposed to take that {$500.00} and put it in a secured savings account. I lost my job and fell on some financial hardship and was unable to make further payments on the card. Since I was spending my own money, once I could no longer afford the card that should have been it besides any possible owed interest. Upon contacting Navy Federal I was informed that there had been an error on THEIR PART in which they claim that the {$500.00} that they were supposed to put aside into a saving account had been released back to me. I NEVER had a extra {$500.00} in my account. At this point they have refused to help me even though it was their mistake and the only answer I get is that I need to pay another {$500.00} or {$490.00} to be exact. This to me appears to be fraud or a scam. It has been acknowledged to me in three conversations that the problem appears to be on their end yet they refuse to fix it.
It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Banking regulations and Defamation of character. My credit has suffered greatly from this as the reason I opened a secured line of credit was to help improve my score, this has only done damage.
Consumer complaint received 2023-02-25
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. (VA)

1. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 2. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 3. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount 4. XXXX XXXX Account # XXXX  {$330.00} Wrong Amount 5. XXXX XXXX XXXX Account # XXXX {$450.00} Wrong amount 6. XXXX XXXX XXXX Account # XXXX {$800.00} Not Mine 7. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed 8. XXXX XXXXXXXX XXXX Account # XXXX Paid and was suppose to be removed 9. XXXX XXXX  Account # XXXX 10. XXXXXXXX XXXX Account XXXX XXXX {$430.00} Wrong amount 11. XXXX Account XXXX XXXX {$430.00} Wrong amount 12. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )
Consumer complaint received 2016-04-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

this is going to Capital One auto finance - we have a loan with them for a vehicle first thing that happened we made a payment on line which was suppose to be free and was charged a XXXX fee which they would not refund -second is that will not take either one of oour debit cards for a payment - so we either mail it or go thru XXXX XXXX - third even though it states you can call them XXXX to XXXX at XXXX we can not get them to answer the phone - fourth the payments fell behind and about two weeks ago they came for the vehicle - my son called that same day and they gave him until XX/XX/XXXX to make a payment to catch up and told him they would add the holding fee to the end of the loan - we made the payment thru XXXX XXXX XXXX XXXX and when he called the next day to get the vehicle back they sent it to auction - told him he would have to come up with the XXXX holding fee now - they are saying they did not tell him that info when he talked to a rep two weeks ago and found out then what he needed to pay - it has been one thing after another with them -the last XXXX people he had a hard time under standing what they were saying -
Consumer complaint received 2017-07-29
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. (TX)

I have the credit inquiries below I did n't authorize dealer to submit to these banks. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX , AZ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX & XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX  XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX  XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank is testing my patience and I 'm getting tired of it. 
I applied this checking account ( # XXXX ) by XX/XX/XXXX under the {$400.00} bonus checking promotion and completed all the requirements on XX/XX/XXXX. On XX/XX/XXXX I sent an online secure message to verify my qualification of this promo. I got an email response ( Letter ID # XXXX ) on XX/XX/XXXX confirmed that my account has met the necessary requirements to qualify for Promotion XXXX, and I should receive my incentive 90 days from the date of the qualifying transactions. 
On XX/XX/XXXX, since it has already been 90 days but I still have n't see the bonus been posted yet, I 've send another inquiry via the secured message. The Online Client Services rep XXXX XXXX responded that the bonus shall be credited no later than XX/XX/XXXX. But that never happened. On XX/XX/XXXX I send another message regarding the promotion and got a very equivocal response from rep XXXX XXXX XXXX, which makes me started feeling suspicious. 
So I called Citibank on XX/XX/XXXX, the telephone rep XXXX promised me the bonus will be deposit within 2 days, and also provided me a confirmation # XXXX. Once again, that never happened. 
After XXXX messages, XXXX phone calls and nearly a month past the deadline, that 's when I know that all the Citibank reps was just prevaricating me, making up random dates and making me false promises. This is very irresponsible and unprofessional. Citibank is testing my patience and I 'm getting tired of it. They need to stop lying to their customers and started telling the truth.
Consumer complaint received 2017-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (GA)

I became ill several months ago, following that my father became ill and then XXXX. I tried and did make payments to comenity, however it became impossible and I tried to arrange payments, they demanded large payments, made me cry. I just lost my father and they called and demanded a huge payment, then I get turned over to a collection agency for over twice the limit of the card.
Consumer complaint received 2017-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Bread Financial Holdings, Inc. (LA)

See attached series of emails sent to   XXXX   XXXX    customer service. I purchased a diamond ring from   XXXX   XXXX   in  XXXX  and was promised on the day of purchase a 8.9 % money back within 30 to 50 days. I was later told by  XXXX  's customer service that the payback period is 90 days. It has now been 148 days and I am now out of pocket over {$600.00}. This is fraudulent promises. My internet research shows that I am not the only one with this complaint. I realize that the initial promise was made in  XXXX  and may be out of the US jurisdiction, but I have hopes that a complaint can be generated since  XXXX  home office is in New York. Their address is   XXXX   XXXX   XXXX   XXXX    XXXX , NY  XXXX . I also realize that the money back program is a  XXXX  government program. But,   XXXX   XXXX   is surely well aware of the problems with this program while making false promises to US citizens in order to make a sale. I have also attempted to contact   XXXX   XXXX   XXXX   as they are the ones who vouched for   XXXX   XXXX   as a reputable company prior to me making the purchase.  XXXX  has been non responsive.
Consumer complaint received 2017-02-21
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

Client is a non-borrowing spouse on a reverse mortgage. The XXXX spouse died on XXXX XXXX, XXXX. Upon husband 's death Financial Freedom contacted non-borrowing spouse and advised that in order for her to remain in the home, non-borrowing was to provide a tolling agreement and several other documents XXXX death certificate and marriage license XXXX to Financial Freedom. XXXX XXXX spouse sent the tolling agreement to Financial Freedom by XXXX, tracking number XXXX. This tracking number shows that the documents were received by Financial Freedom on XXXX XXXX, XXXX at XXXX. Moreover, on XXXX XXXX, XXXX non Borrowing emailed the required documents to XXXX XXXX at XXXXXXXXXXXX. On XXXX XXXX, XXXX XXXX XXXX confirmed that he had received the documents by sending a text message to Non-Borrowing Spouse. Non-Borrowing Spouse has since heard nothing from Financial Freedom or XXXX XXXX. On XXXX XXXX, XXXX we called Financial Freedom and were told that none of the documents submitted by XXXX XXXX Spouse have been received and that it XXXX take " a while '' for the documents to be uploaded to their system. Financial Freedom sees to disregard the time element of due and payable due to the death of the borrowing spouse and ignores the fact that the non-borrowing spouse has XXXX says to submit her documents to Financial Freedom as required by HUD. Financial Freedom 's delay is causing harm to the Non Borrowing Spouse and is prejudicial to her ability to remain in her homestead.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OH)

Complaint XXXX of XXXX Shellpoint Mortgage. 
On this loan I did get behind but on XX/XX/2016 I made a payment of {$2500.00}. At that time I believe that paid it current. I was told there could be some additional foreclosure costs due. However a couple of months later I received no correspondence. I called and discovered Shellpoint began foreclosing on the property. Apparently they put the payment in a suspended\partialpayment account where it has remained.