davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX Date Opened : XXXX  Balance : {$130.00} XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XXXX Balance : {$780.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$280.00}
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2017-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berndt & Associates, P.C. (MI)

A scavenger debt company, XXXX XXXX XXXX retained this lawfirm to garnish my state income tax. I do not owe a debt to any company for the amount indicated nor did this company make any initial attempt to collect it before. They are trying to force me to pay XXXX in 14 days! I owe no such amount! This letter came out of nowhere and apparently they hacked into my private information.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust Bank bought my mortgage. I set up an online account and provided external payment information to have my mortgage payments made automatically each month. It has never happened in the four months since they bought my mortgage. 

I have tried on at least four separate occasions to determine why it isn't happening, without success. I can see my external payment information online and can see it is correct. I have been transferred to technical support personnel who can not tell me why this function isn't working. I haven't been offered any solutions. 

I have had to make one-time payments each month. My concern is I will forget to do this, my payment will be late, and I will be charged late fees and/or have my credit score impacted. They are 100 % unresponsive to my problem.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I was scammed on a XXXX advertisement. The name of the company is XXXX. XXXX first ask my credit card information in order for me to look at what greater percentage deals I could get discounted for their product the night of XX/XX/XXXX. I was hesitant on buying their product that I wanted to sleep on it overnight before deciding to make a purchase or not. I usually do that anyways, since I am a XXXX veteran on a set income. 
I woke up the next morning, XX/XX/XXXX, doing my routine check of my finances on my online checking account. I discovered I had a pending transaction from XXXX for {$190.00} that morning. I called Chase Bank customer service at XXXXXXXX XXXX. and told my story to the gentleman about the XXXX unauthorized order. He said dont worry. Chase would refund my money. I asked him if they shipped the product to me. He then said " throw it away ''. 
The refund happen on XX/XX/XXXX. 
On XX/XX/XXXX, I went into Chase Bank in XXXX, CA. I spoke to XXXX XXXX at the bank who helped my in person about a letter that Chase Bank was going to take out XXXX out of my bank account. I explained to her that it was a scam. She and I then spoke to their fraud department. I was then going to give evidence to XXXX and then she would fax the information to Chase Bank Fraud department. I sent the information with a thank you to XXXX. She confirmed that she faxed the information to their fraud department. 
On XX/XX/XXXX, I spoke to Chase customer service and they said that they could not refund me my money. I said that the product was sent back to XXXX even after one of their Chase Bank collegue suggested I throw away the product. I even said that I reported it was fraud because I did not order anything onXXXX. I was looking at the product on XX/XX/XXXX. Besides, I go to bed early, because I have chickens. 
I have the e-mails from XXXX, from XXXX XXXX, from Chase bank, and a picture of my cell phone log.
Consumer complaint received 2023-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK (MI)

In XXXXXXXX XXXX 2021 i opened a HELOC account with IberiaBank. I was told our rate was % 3.00 for the first 120 months. My HELOC account agreement and disclosure clearly states the same. On page one the fourth paragraph states the minimum payment terms. I have tried on several occasions to rectify this with XXXX/First Horizon and they basically just ignore my request. 

I am requesting this be resolved to the fullest extent of the law. Thank you for your time.
Consumer complaint received 2019-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

From : XXXX XXXX Email : XXXX Cell : XXXX To : Capital One XXXX XXXX XXXX XXXX, VA XXXX Fax : XXXX RE : Amendment Claim # XXXX Trace Claim # XXXX Ref # XXXX Recall Case # XXXX XX/XX/XXXX Dear Sir/madam ; I sent out a wire in the amount of USD XXXX   from my Capital One account on the XXXX of XX/XX/XXXX. My branch is located at XXXX XXXX in XXXX, VA. A copy of the wire is attached. The next day, on the XXXX  of XX/XX/XXXX I  requested an amendment as the account number for the recipient XXXX XXXX XXXX XXXX XXXX, that had been entered was incorrect. The correct account number for them was XXXX.

I received a letter from Capital One dated the XXXX  of XXXX that all should be good with the wire referencing my Claim # XXXX. A copy is attached.

The recipient XXXX XXXX XXXX whose correct account number XXXX  with XXXX XXXX in XXXX, XXXX has still not received the funds till date the XX/XX/XXXX. They have also initiated a trace from their side and have not heard anything yet from Capital One.

I initiated a trace ( Trace # XXXX  ) on the XXXX  of XX/XX/XXXX and have not heard anything back from Capital One. Today is the XXXX  of XXXX  and I have initiated a Recall on the funds from the XXXX  branch with the Claims Intake Department. I spoke to a lady by the name of XXXX  and her supervisor XXXX ( EID : XXXX  ) who told me that the processor will call me.

It has been more than 30 days since I initiated the wire. I request you to please treat this with the highest priority, escalate the matter and advise me when the funds will be returned to my account.

Appreciate your prompt response.

Sincerely ; XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem
Consumer complaint received 2023-06-12
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX 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 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 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
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

Hello - this morning at XXXX XXXX PST, I received an email from PayPal stating the following : After review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive money or shop online. Upon seeing this email, I immediately called PayPal customer service and was told by a representative that there was nothing they could do to reverse the ban and that they could not tell me what I did wrong either. I called customer service again a few hours later and received the same exact answer. 
I was never given any warning or indication that I was breaking any of PayPals rules before I received this ban on my account. Additionally, I have had this account for 2 years and have used it to buy and sell on the app XXXX all while having zero issues. I would like this matter to be investigated and for my account to be opened back up for me to use.
Consumer complaint received 2019-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

My current loan with XXXX is being managed by a debt management company, XXXX XXXX XXXX. The company has been making payments on this loan; however, XXXX is reporting my account as deliquent and past due, which is negatively affecting my credit score. I have tried contacting XXXX  by email since XX/XX/2018 and have not received one response to any of my emails. When I contacted them by phone, they would not speak to me or provide any information since they have it recorded the loan is being managed by XXXX. However, my XXXX  representative has been unable to get ahold of anything at XXXX either to get this resolved.
Consumer complaint received 2019-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (MO)

I sent a settlement payment to Account Resolution Corp for 3 different medical collections accounts that are reporting on my credit profile. The agreement was that by accepting my 3 separate money orders, they agreed that accepting the payment, the accounts would be settled as paid in full, not as a balance update, and would additionally be deleted from my credit report, ( NOT just updated, but deleted ) They accepted the terms of the payment and instead of deleting they updated the account with the payment amount. Additionally the agreement was that the debt also would not be sold to any other third party or any other collection agencies.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX the same time that I found out that XXXX XXXX had reported my account to Equifax before my billing cycle on a pending transaction and reducing my FICO score about 35 points. Equifax also updated my credit report, reducing my FICO score by 105 points with inacurate information about a US Dept. Of Ed, loan that has been reported on my credit report since XXXX. Equifax added that this account was 120 days past due as of XXXX XXXX this account was in fact not past due, had not been flagged in XXXX or any other month in XXXX in fact, due to the pandemic all payments have been suspended since XX/XX/XXXX due to the Pandemic as part of the Cares Act. In addition all interest rates are 0 %. I was refunded back in XXXX or XXXX any monies that were taken in XXXX/XXXX or XXXX. why was this account updated 6 months after the alleged 120 day late payment. In addition US Dept., of Ed, also sent me an email stating this information, it is also on their greeting and prompt when you call and I called them as well and of course they denied updating this particular account with Equifax. 

I also called and spoke to a supervisor in great length, disputed the charges, and instead they reduced my FICO score again on XX/XX/XXXX another 30 points and i have no idea what the reduction was for nor is it explained on their website, other than it being retaliation. Also, by changing the date on recent inaccurate activity, it keeps this account being negatively reported longer than 7 years. 

WHY is Equifax allowed to act rogue, harass, stalk and retaliate and do as they please, with no repercussions or consequences, for their unprofessional, dismissive and illegal practices? 


I have been trying to repair my credit and reported Equifax to CFPB, Equifax have since taken retaliatory actions, have since reduced my FICO score by almost 140 points in a 2 weeks with inaccurate information.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

Barclays restricted my business XXXX credit card number XXXX since XX/XX/2018 that I had for few years now. They have asked me to send verification documents which I have sent. Every time I call their security dept, they tell me they are still reviewing and will get back to me. It is almost going to be 6 months and they are violation time frame in getting this resolved. I would like to unrestrict my card so i can continue to use.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I've been a CapitalOne customer for 10+ years, currently having 6 different accounts with them ( checking, savings, CD, credit card, etc ). I've tried to open an additional Savings Account ( Performance Savings ) with them on XX/XX/XXXX using their online banking interface. As a step in that process the system asked for me to upload my government ID, for which I uploaded my current drivers license. The system accepted the upload, but later I got a message that I still need to call their customer service to complete the process. Once I called, it was revealed to me that the process of ID verification has failed, and I need to do it again. Customer representative needed to send me a code to my phone number to proceed, but was unable to do so. I have two phone numbers on file with CapitalOne, and neither worked. One of the numbers is a virtual phone line ( XXXX XXXX ), which indeed doesn't work sometimes with some services. But the second line is a legitimate cellular number in my name, yet they were unable to send the code and at that point it was too much hustle to continue so I aborted the request. 

Scrolling forward, on XX/XX/XXXX I decided to try again opening that same type of account with Capital One. This time I tried to use my valid US passport for verification. The system again accepted the upload, but next day I again found a message that it didn't work and I need to call CapitalOne. I also logged into my CapitalOne online account and found that all of my accounts are frozen. I called CapitalOne, and was informed by the customer representative that I my accounts are frozen because I failed ID verification. They sent me a link to upload the ID again, which I did, getting the confirmation screen that the upload was successful. However, representative informed me that my ID verification failed, and they need to send me the authorization code to my number. Basically the same process that I described earlier from XX/XX/XXXX. This process again failed. Representative then suggested they are going to do me a " favor '' and work around the system to unlock my accounts, but the call disconnected and accounts remained locked. 

In summary, CapitalOne utilizes an ID verification system that is extremely unreliable. CapitalOne also utilizes authentication system via SMS messaging that is unreliable. The result is that a customer may end up locked out of their money. I don't have access to my accounts as of right now.
Consumer complaint received 2017-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (RI)

1. My student loans are in FedLoanServicing, account number XXXX. On XX/XX/XXXX I was informed that my student loans were placed into deferment status as of XX/XX/XXXX. I had never requested deferment status and continued to make monthly payments. 

2. On XX/XX/XXXX I read the email and called FedLoan Servicing to see what happened. They said my loans automatically were placed in deferment because I had started graduate school. 

3. They stated that within 24 hours I would receive a form in my online account to fill out called a " deferment waiver. '' 4. It is now XX/XX/XXXX and I have no form. I called again today and they stated they would expedite my request but could not give me a time frame. 

5. I plan to apply for Public Service Loan Forgiveness and payments made in deferment DO NOT count for forgiveness.
Consumer complaint received 2023-06-13
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. (NC)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.