davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage servicing company transferred the servicing of my loan to Loan Care. Loan Care did not mail me any information on the transfer or a coupon in order to pay my loan.

I made 8 calls over TWO days, 6 of which went unanswered. All I was able to do was to hear how I should make a payment but was not given the correct information to do so. 

When I was able to speak to a human on XX/XX/XXXX, Agent XXXX, she said she would both mail and email a copy of my loan documents to me. When I opened the email from Loan Care, I discovered I was sent a copy of another person 's loan statement, including the loan number, property address, and PO Box the person used for his mail. 

When I called Loan Care again, I was on the line for 1 hour and 20 minutes, most of that on hold. 
The agent on this call, Agent XXXX, was finally able to obtain my correct loan information and have it emailed to me. 

The bigger concern of the agent, who was very nice, was the disclosure of the other person 's confidential information to me. 

When I asked why I had not received a loan payment package Agent XXXX told me her company had only received my loan as of XX/XX/XXXX, and would not be sending me a bill until XX/XX/XXXX, by that time my loan payment would be late.
Consumer complaint received 2021-08-10
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. (CA)

Tenant  from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXXXXXX XXXX XXXXXXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing.

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account. 

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.
Consumer complaint received 2023-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I called Capitol one ( my credit card company ) and ask them if they could add my account information to XXXX Credit Bureau Agency so i can have a longer credit history on my XXXX credit report. Capitol One reply 's that I need to contact that credit bureau and have them add it on to my report. And I called Cap One and XXXX least 3 times Each and almost XXXX hours later, both parties claim that there's nothing more on their end they can do. 
My question to cfpm is what can i do on my part to get my Cap One credit card info on to my XXXX credit report? i have excellent payment history gone unnoticed and 11 years of great credit payment history. Please advise
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (CA)

I mailed a section 609 dispute letter to Equifax on XX/XX/2023 on two accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been over 30 days and the matter has not gotten resolved. The credit companies are not complying with their own policies in a timely manner. I'm attaching the letter that was mailed out to them.
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

XX/XX/2021, pay pal fraudulent charge on my account for XXXX dollars to a party XXXX XXXX, do not know this person. Contacted pay pal and was advised this charge was not unauthorized. This is in spite of the fact that there were numerous other attempts by this individual to collect money from my account in amounts of XXXX to XXXX dollars that my bank denied. PayPal investigators apparently don't find it suspicious that one person would receive this many transactions days apart in total amounts over XXXX from one account. It should also be noted I hardly ever use this account and it had been over a year since I used it last. This should also be suspicious. Pay pal is aiding and abetting obvious fraud to protect their reputation and assets at the expense of consumers
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

I visited a XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX FL two years ago. As a result, I had XXXX XXXX  XXXX to be exact so I paid out of pocket which means you have to pay upfront. debit card To be exact! long story short I received 4 XXXX XXXX that was not done correctly which ended up needing a XXXX XXXX XXXX on one of them due to the XXXX not being properly XXXX. as a result, it was a horrible story I contacted the XXXX a week later telling them about the pain I was experiencing even after them telling me lies stating the filling just need to be filed down or given a few weeks which turned into months. I wasted over 200 dollars dealing with XXXX XXXX XXXX. So after telling them of my dissatisfaction and to refund me for the terrible service they decides to not refund me or credit me and years later place the balance on my account as unpaid with some credit debt collection called XXXX XXXX XXXX on XX/XX/XXXX and it appeared on my credit report on XX/XX/XXXX to all 3 credit bureaus because I decided to dispute the transaction off of my debit card years before now all of a sudden I owe them wow so fraudulent. If i wanted to be evil I could've filed a lawsuit against XXXX XXXX for providing me with unprofessional XXXX work causing me XXXX   and pain. This XXXX place is a fraud. It has terrible reviews, they're doing terrible work and not resolving the issue and placing the fraudulent bill on people credit. I have contacted them before and I will contact them again and let them know of this issue.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OK)

I was looking through my Credit Score and saw a {$300.00} collection for XXXX, and I currently have one account open through them as well as this is the first time I have ever been with the company. I call them to confirm that my account is in good standing as well as I have one had one account ever and they agreed. I then proceed to contact the collection agency about it and they said that they understand the situation and they would file a dispute as well as stated that they assume it was an error on XXXX part. A week passes by and I contact the collection agency and they tel me We have given the right back to XXXX and that collection is no longer apart of us, and after that call I proceed to contact XXXX and they once again verify through my social security number that I have only opened one account which is the one Im currently in good standing on otherwise it would be impossible for me to have debt owed and still open a 2nd account without paying the original first. I then proceed to dispute the collection on both sides, and with both parties agreeing that it was a mistake with the recorded phone calls I have yet to receive a letter stating that the collection isnt mine and will be taken off. I would like to have both parties communicate and actually follow through on whats stated in phone call logs.
Consumer complaint received 2018-01-24
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: Experian Information Solutions Inc. (MI)

First contacted XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I opened an account with US Bank on XX/XX/2018. I wasnt able to switch my payroll to the new bank account until the end of XX/XX/2018 ; however I had to get a check issued from my employer and have direct deposit scheduled into that new bank account from then on. I have been at this place of employment for 4 years. I deposited my check on XX/XX/2018. It showed I had the available funds on XX/XX/XXXX and XX/XX/XXXX. However when I looked at my account on XX/XX/XXXX, it did not show funds avaialable. I contacted US Bank on XX/XX/XXXX customer service and was directed to the fraud department. The fraud department had closed early so I contacted US Bank customer service again. They told me to contact the fraud department in the morning and to work with my local branch. I called the US Bank fraud department on XX/XX/XXXX at XXXX am XXXX time. They told me I needed to work with my local branch as they put the hold on it so that they could verify funds with the other bank. I went to my branch when it opened at XXXX am. The banker indicated that they did not put the hold on and that the fraud department did and there was nothing they could do. They contacted the fraud department and they said it was placed because it was different activity for my account. I had just opened this account and this was my first paycheck to be deposited. They refused to verify funds through the other bank. They said the hold would not be released until XX/XX/XXXX. The check will have already cleared the employers bank by then ; however US Bank refuses to release the funds sooner even if they have already received the funds. This seems excessive and an abuse of their ability. I have no negative claims on my account. I am not sure how they expect people to make deposits if they withhold the funds. The customer service was very unprofessional.
Consumer complaint received 2021-08-09
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. (FL)

I have attached accounts reporting to my credit bureaus that are not mine, They are authorized users and I am not responsible for these cards. Per the FCRA everything that is reported to my credit bureaus need to be reported 100 % accurate.
Consumer complaint received 2018-01-24
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: Atlanticus Services Corporation (WA)

I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX  report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX   XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. 

Thank you,
Consumer complaint received 2017-06-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC (GA)

I have been recieving threatening phone calls from these people. I was told if i didnt come up there and pay them they would call the police on me and i would go to jail. As of now my account has accrued interest because of their behavior. They have called me at my job everyday and sometimes even twice a day which i understand is against regulation. I am being bullied by these people and am in no position to resolve it because they said i cant come there or they will call the police on me. Im tired of being harassed them they are not trying to resolve the issue rather just argue
Consumer complaint received 2018-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX TO : Federal Reserve Bank Consumer Financial Protection Bureau FR : XXXX XXXX XXXX RE : COMPLAINT - Citibank Lending Practices Unethical I opened a Home Equity Line of Credit ( HELOC ) with Citibank on approximately XX/XX/XXXX. My first mortgage was also with them. One of their requirements was to open a checking account ( Checking Plus ) and an overdraft line, along with the Home Equity Line. I resisted as there was no need for a separate checking account, but Citi insisted I have it. 

My condominium was refinanced through XXXX XXXX in approximately XX/XX/XXXX. My Citi first mortgage was paid off at that time. 

The HELOC stayed open and I continued to pay it down. 

When the property was sold on approximately XX/XX/XXXX, escrow requested clarity on the HELOC. I agreed to pay off the HELOC myself, outside of escrow. That payoff was completed on or around XX/XX/XXXX. 

I called Citi and requested that ALL accounts associated with the HELOC. That would include the Checking Plus. 

On about XX/XX/XXXX, I received a statement with {$10.00} owing for the Checking Plus account. I was under the impression they closed this in XX/XX/XXXX, and called Citi again. I paid the fee in a Citi branch ( XXXX XXXX XXXX, along with a verbal complaint. I have a receipt showing that the account was closed. 

On XX/XX/XXXX, I received a notice via text that I owed {$170.00} for the Checking Plus service fees. Again I called and understood all accounts had been closed. 

On XX/XX/XXXX, I went into the local Citi branch again to complain and tell the whole story again. I spoke with the Branch Manager, and she told me she would research it. When she got back to me several days later, she stated that I closed the regular checking, but failed to close the checking plus. They also insisted on payment of the {$170.00} to proceed with closure. 

Citi also reported adverse credit information to the credit bureau. They have since refused to fix the adverse credit information. 

As I researched the {$170.00} in fees, I saw that in XX/XX/XXXX nothing was owing. In XX/XX/XXXX, it showed {$65.00} in checking and {$100.00} in overdraft. I NEVER used these accounts and they should have been closed multiple times. 

This has been a maddening experience, causing me hours and hours of time and trouble. I have called multiple times, and made 2-3 branch visits to try and rectify this. I also want all service fees ( minimum {$170.00} ) refunded to me ASAP with a corporate apology. I want all adverse credit info removed ASAP. They are an unethical bank with very poor customer service. 

Very Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-24
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: ALLY FINANCIAL INC. (TN)

I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX lenders Credit Union inquired on XX/XX/XXXX Ally Financial inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE (GA)

Stockton Mortgage Company failed and continues to fail to pay our taxes from our escrow account. We called and provided a copy of the taxes to Stockton before the taxes were due. We have called Stockton Customer Service at least once a week since, but Stockton refuses to pay them. It has been close to a month and a half. Interest is growing every day with the XXXX Tax Commissioner. In the meantime, we have continued to pay our mortgage payments on time. We are very concerned about a tax lien on our home.
Consumer complaint received 2018-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed many times on my own and used a credit report repair company to have the inquires deleted from my Transunion report and no success at all. Here are the following inquires with the reported dates that do not belong to me at all ; 1-XXXX XXXX XXXX XX/XX/XXXX, 2-XXXX XXXX XX/XX/XXXX, 3-XXXX XX/XX/XXXX, 4-XXXX  XX/XX/XXXX, 5-XXXX XX/XX/XXXX, 6-XXXX XX/XX/XXXX, 7-XXXX XXXXXX/XX/XXXX. I did not authorize any of these companies to pull my credit.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

I received a notice for a {$260.00} bill owed to XXXX  for cable service. I contacted MRS BPO and paid the amount around XX/XX/2021. I was told it would take 30 days to update my credit report. 
I contacted MRS BPO around XX/XX/2021 when the item was still showing on my credit report. I was given the run around as to why this is still showing up. I requested it to be updated, as it was paid and I am looking to purchase a home. The agents were really rude and after about an hour of callig back I finally got someone who seemed to be cooperative. I was told she was unsure why it wasn't updated and she would send it to the department to be updated. I also never received the letter in the mail that this was paid. 
I disputed this with XXXX XXXX for the information being inaccurate. As of today XX/XX/2021, XXXX XXXX is stating that the information reported was verified and considerted accurate. I just want my credit report updated so that I can move on with my life.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (AL)

Please refer to dispute XXXX I have disputed the status of this debt several times. The company failed to provide debt validation and will not answer the number listed on the complaint. I would like to know how this debt was validated. I discovered the company on my credit report and my attorney included them in bankruptcy before we verifying whom the original creditors were. I filed bankruptcy on XX/XX/2017. After notifying the company with the 1st complaint I would like for you to know they have continued to label the debt as a collection account. They are refusing to update the status even with the provided documentation.
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This is my 4th time disputing these accounts and no one is responding ... The CPFB is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX  XXXX-XXXX-Unverified Account XXXX XXXX- XXXX- Unverified Account US Department of Education- XXXX- Unverified Account XXXX- XXXX- Unverified Account XXXX XXXX- XXXX- Unverified Account XXXX XXXX XXXX- XXXX- Unverified Account XXXX XXXX- XXXX- Unverified Account XXXX XXXX  XXXX- XXXX- Unverified Account XXXX XXXX-XXXX- Unverified Accoun XXXX-XXXX- Unverified Account XXXX , XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX