davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My credit report showed negative in XXXX from Capital One. I closed my account in XX/XX/2024. There is always a {$0.00} balance when I checked to make sure the account is XXXX out. 
However, there is an amount for {$120.00} on the closed account that is being reported to my credit report. with a {$0.00} balance when I login. If I try to select pay amount says no charges account closed. I contacted Capital One they said I didnt owe anything, but refuse to send me a letter or email stating {$0.00} charges. I asked that the charges be removed if my credit report along with a letter/email for clarification
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (NJ)

I have received two unsolicited debit MasterCards from Netspend. I have called the company several times using the only phone number they provide but have been unable to speak with a person. The only options are to give the credit card number or my social security number. I am concerned that they will activate the account if I give them the credit card number and I am not willing to give my social security number. 

I spoke to someone at IdentityTheft.gov and they directed me to file a complain but I do not believe this is identity theft. It feels like a scam by Netspend because of their way they make it impossible to speak directly with a human being.
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (OH)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX  XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX   XXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX   XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (AR)

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX / {$8900.00} XXXX XXXX XXXX
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (CA)

I was made aware of several accounts on my credit report that are in negative standing today XX/XX/2020 because I was denied from getting a personal loan. The reason why I didn't know that these accounts were appearing on my credit is that none of them belong to me. All of these accounts were opened in my name without my permission but I have no information about who opened these accounts. I did not benefit anything from these accounts such as money, goods, services, or any other benefit and I have never made any payments towards any of these accounts. I do not have a relationship, contract or agreement with any of the companies listed on this report and I have already filed a police report regarding all of these unauthorized accounts.
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX CHOICE RECOVERY INC Reported : XX/XX/2020 + {$210.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY INC Reported : XX/XX/2020 + {$210.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX   XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

In XXXX I purchased a home ( from my parents ) and Flagstar Bank took on service of my FHA Loan. They  failed to pay ALL the Real Estate tax 's leaving me to pay real-estate tax 's out of pocked to protect myself against a sheriff sale of my home. Their failure to pay tax 's stems from an understandable mistake related to certain complexities in the details of my deed. I have two parcel numbers adjoined onto a single deed. Because of the timing a peculiar error the tax 's were sent to my parents and not the bank. 

On XX/XX/XXXX and XX/XX/XXXX, following instructions on their website, I emailed them copies of the delinquency notice and requested follow up. I received an auto responder both times. 

On XX/XX/XXXX I called to inquire about the situation. I spoke to a series of Customer Service representatives before speaking to someone who understood the issue. I was assured that the issue would be taken care of and that I would be notified. 

On XX/XX/XXXX I called again to verify that the issue had been resolved. I was told that no one at Flagstar had been able to reach the county tax office and that the issue had not been resolved. 

On XX/XX/XXXX I emailed the county tax office and received a return call. I explained to them the situation and they confirmed that they could provide any documentation Flagstar Required. 

On XX/XX/XXXX I paid the delinquent tax 's and penalties to the county. 

On XX/XX/XXXX I called Flagstar to inform them that I had paid the taxes and requested that they adjust my escrow account accordingly and forward a refund for the delinquent taxes I was required to pay out of pocket. The told me that the best they could do was run a report on my account and that they would let me know the result. 

On XX/XX/XXXX I called Flagstar to find out what results they had found. The customer service agent seemed surprised by the situation. She understood what the problem was and promised to escalate the issue and assured me someone would be in touch. 

To date I have not received a response. I now have XXXX tax bills waiting to be paid.
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (DC)

Timeline : XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. 
XX/XX/XXXX - letter from ACS that deferment processed on my loan through XX/XX/XXXX. 
End of XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. 
XX/XX/XXXX - letter from ACS that I needed to correct the start date on the form I sent for deferment. 
XX/XX/XXXX - faxed and mailed to ACS updated request for cancellation form along with letter from office manager at XXXX stating I had been continually employed and correcting the start date in writing, received fax confirmation. 
End of XX/XX/XXXX - my Perkins loan is transferred to Conduent. 
XX/XX/XXXX - letter from Conduent that my deferment status will expire on XX/XX/XXXX with no mention of the current balance or any problem with the loan. 
XX/XX/XXXX - Conduent reflects that the current balance on my loan is {$3400.00} and that my " Pay Off '' is good through XX/XX/XXXX. 
XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX XXXX ) to Conduent. 
XX/XX/XXXX - letter from XXXX informing me that my Perkins loan has been transferred to them. 
Beginning of XX/XX/XXXX - sent request for cancellation form to XXXX along with prior documentation of every request for cancellation form I'd sent to Conduent and ACS because the balance XXXX reflected on my account is still {$3400.00}. 
XX/XX/XXXX - XXXX sent me an email that they were denying my old documentation. 

There has never been any indication of a problem with my paperwork or my account in the past, other than the one time in XX/XX/XXXX that I corrected. I have been working as a registered nurse the entire time my loan has been in repayment and I have diligently completed the paperwork for deferment. I am entitled to have this loan forgiven. My deferment has clearly been processed because my account has never been delinquent and the pay off date has been extended, yet the balance still sits at {$3400.00}. When Conduent transferred my loan to XXXX they blocked me from accessing my account further so I can't reach out to them to resolve this issue. I need Conduent and XXXX to get to the bottom of this.
Consumer complaint received 2020-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (TX)

Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain a Automobile loan. The following account was fraudulently opened in my name and I ask that it be Deleted : WFDS Opened : XX/XX/19 Amount : XXXX I also ask that the fraudulent inquiries be deleted also : WFDS XX/XX/19, XX/XX/19, XX/XX/19
Consumer complaint received 2024-08-31
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION (FL)

I purchased a Prepaid Go Card from Navy Federal Credit Union in order to add a layer of security and I added this payment method to my XXXX account. On or around XX/XX/year>, I ordered an " oversize barn door set with track '' from XXXX that cost {$750.00} which was sold as " easy to install. '' A few days later the " oversize barn door set with track '' arrived in XXXX big boxes, but was unassembled like a set of jumbled legos. Specifically, doors can't be assembled by homeowners because they require specialized machinery that squeeze the door pieces together using hundreds of pounds of pressure per square inch in order to mold the door pieces tightly together. Clearly, I was the victim of a scam. Thereafter, I reported the incident to the Prepaid Go Card Department at Navy Federal Credit Union ; Navy Federal Credit Union itself, as well as XXXX. 

A few days later, I called back to the Prepaid Go Card Department at Navy Federal Credit Union and was told that my claim was denied because I have a " history of inconsistencies '' but no evidence of inconsistencies could be provided to me. Moreover, during this telephone call I waited on the line for a XXXX because I asked that my claim be escalated. The XXXX, XXXX, confirmed that I had been the victim of a scam and that my account was new with no history of inconsistencies. At the conclusion of our call, XXXX XXXX told me to call back in XXXX days for a final disposition of my case. Thus, in XXXX days I called back and the same wrongful verdict was rendered in that I had a " history of inconsistencies. '' There is not XXXX shred of evidence to support this claim, and if there is any evidence I would like it to be published as a result of this inquiry. 

On the other hand, XXXX has agreed to refund my money due to fraud. 

My goal with this complaint is to require Navy Federal Credit Union : XXXX. To retract any and all false statements regarding any notion that I have a " history of inconsistencies. '' XXXX. To recognize that the call center serving the Prepaid Go Card Department at Navy Federal Credit Union is poorly staffed and poorly managed ; and Navy Federal Credit Union has the singular responsibility to demand better care for its customers. 

This is a military family that is being harmed. Shame on XXXX! 


XXXX XXXX
Consumer complaint received 2020-02-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to XXXX, XXXX and Equifax to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (CA)

I submitted this complaint to update these suspicious information. XXXX Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX Balance : {$10.00}, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023,
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (AL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SUNTRUST BANKS, INC. (VA)

My loan with Suntrust has been paid in full for over a year. A month ago, Suntrust reported to XXXX   credit bureau that I filed bankruptcy. I have not filed bankruptcy and this erroneous report has caused by credit score to drop 42 points.

This is not the first incident with incorrect, fraudulent activity on my account by Suntrust. Suntrust continues to use someone else 's information and social security number and associate them with my account. I've spent countless hours informing Suntrust of their errors, but they never take ownership, they point fingers, and the harassment continues.

The bankruptcy reported by Suntrust needs to be taken off my credit report. My account is paid in full and closed. Suntrust is not permitted to place any updates to my satisfied account. This is fraudulent and done without my knowledge, and consent. It is identify theft from a company who is suppose to protect the accounts, and personal information of their consumers.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I sent the customer relations department the following secured message : " I will be traveling to the state of Nevada ( XXXX XXXX and surrounding area ) beginning XX/XX/XXXX through XX/XX/XXXX. Please notate my account accordingly. Thank you. '' That same day I received an automated ( canned ) response from the credit card company that said the following : " We appreciate the opportunity to assist you and hope the following addresses your inquiry. 

Our Fraud Early Warning department can customize a travel suppression to accommodate your needs while traveling. Please contact Customer Service at the phone number shown at the bottom of any Account Online screen within 24/48 hours of your pending travel. When you call, a representative will ask you for the following information and can discuss international or foreign fees : 1 ) CARD NUMBERS YOU WILL BE USING 2 ) WHEN TRAVEL WILL BEGIN 3 ) WHEN TRAVEL WILL END 4 ) WHAT STATES WILL YOU BE USING CARD 5 ) ESTIMATED TOTAL AMOUNT YOU WILL BE CHARGING 6 ) ESTIMATED NUMBER OF TRANSACTIONS 7 ) PHONE NUMBER WHERE YOU CAN BE REACHED. 

We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives at the phone number shown at the bottom of any Account Online screen. '' I responded advising the company that I had already notified them of the specific dates and location of my travel. And that it is unknow to me what amounts I will be charging, nor the number of transactions I will be making. It is my assumption that I am permitted to use the credit card in a fashion that I see fit to within the limits of my available credit. 
Citi Bank has refused to assist me with this matter and is requiring me to speak to them personally. This is something that is very time consuming and a simple notation should be permissible on my account using a secured message portal on their system. This company continues to refuse to address my legitimate concern and I am filing a formal complaint against them with your office in order to have my legitimate customer service matter addressed.
Consumer complaint received 2019-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RICHLAND HOLDINGS, INC. (FL)

I am having a problem with a collection agency trying to collect on an account which has been disputed by myself repeatedly, and which the company refuses to address. I have asked for documentation under FDCPA guidelines and verification in compliance with the Fair Credit Reporting Act. Documentation in tangible format, which is not a bill from a collection agency. 
Numerous times I have asked for them to assist me and have received nothing by way of communications. 

I have no knowledge of the debt as I never took part in any medical rehabilitation services. It is my belief that the company is trying to collect a fraudulent medical debt attributed to me in error. Communication attempts on my behalf have been met with a stonewall approach, where the debt is not verified/validated and no answers are forthcoming. 

I am asking the CFPB to help mediate this matter with the collection agency as I feel that not only is this an attempt to collect a debt not owed, but flagrant abuse of my rights under the FCCA.
Consumer complaint received 2022-05-30
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. (NY)

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$620.00}
Consumer complaint received 2020-02-28
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. (PA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im doing this on my own behalf.