davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX XXXX {$4000.00} XXXX  XXXX/XXXX  XXXX {$580.00} XXXX  XXXX/XXXX  XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX, XXXX, XXXX, XXXX  XXXX {$3600.00} XXXX XXXX {$15000.00}
Consumer complaint received 2020-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I have been in the PSLF  program for years and am still having difficulty getting FedLoan to count my years that I have been employed in public service toward my loan forgiveness count. Today I called to inquire about the discrepancy between several of my loans being calculated for different amounts of time. The customer service representative was rude, and unhelpful as has been my experience many times. I was told that my loans had not been consolidated by XXXX even though I was led to believe I had followed the process for that to happen initially when I began repayment through XXXX. I'm honestly unsure of who mishandled my account, but I do know I have been given misinformation by both parties which has led to my PSLF forgiveness being miscalculated. There have also been times where I was informed that I was under a qualifying income based repayment plan only to later find out they were calculating as under forbearance. I have been employed under a PSLF qualifying job for almost 10 years and they are only calculating 65 months towards certain loans and 35 for other they say I had not consolidated. Both companies told me I had completed the process to consolidate and FedLoan took nearly a calendar year to process moving my loans from XXXX which has also negatively impacted my months towards PSLF loan forgiveness. There is no reason that some of my loans should be calculating for a different amount of time than others and I should have at least 7 years paid in by now.
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (VA)

12 CFR 1002.6 ( b ) ( 6 ) states, in part, that " To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness ... '' I literally just want to know what information I can submit that will tend to prove that information on my credit report is not indicative of my creditworthiness. That is it. These people have responded to my email about this issue and, in the email, they told me to call but I don't have phone service and nobody every answers. They easily just EMAIL me the information that I have requested but they are XXXX  and I don't have time for the XXXX. 

I do NOT have a loan with OneMain Financial but would like to obtain one.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2020 I went to use my checking account and noticed the funds were not available in either account ; XXXX & XXXX I called the main office of TD Bank and was on hold for 45 minutes so I got in the car and drove to the branch. I spoke to the branch manager in XXXX, Massachusetts and she did not know why my funds were frozen but she would email the proper dept. and get back to me on Monday. On XX/XX/2020. I received a call from XXXX ( no last name given ) on Monday and returned her call the following day. She said my account was frozen but could give me a reason. I asked her for a letter or some notice so I could investigate the situation and she could not provide me with one and left it at that. This was a Department of United States Treasury  Check and according to 15 USC 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. American Citizens have rights according to 26 USC 6332 if there was a problem with my check I would have been given Civilian Due Process and 90 Days to correct any mistakes but because this was straight out theft of my funds I was denied any civilian due process. Also According to 15 USC 2 Every person who shall monopolize, or attempt to monopolize, or combine or conspire with any other person or persons, to monopolize any part of the trade or commerce among the several States, or with foreign nations, shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. This was Theft, Unauthorized Transaction, Consumer Fraud, Restraint of Trade, The bank also used my exemption and according to the FDCPA all of the above is UNLAWFUL. Also in the event that a 3rd party debt collector has requested the funds out of the account I am prepared to file a suit against the bank under these United States Codes that are here to protect Americans. I request that my funds be put back or released into my account immediately TD Bank has a fiduciary duty to all citizens to follow the law as stated by Attorney General XXXX XXXX notice to all last week! I expect the funds to be returned immediately.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA Compass advertised a {$200.00} bonus if a new checking account was opened and a {$300.00} ( or more ) deposit was made in to the account. I meet the requirements ( confirmed multiple times by BBVA Compass Customer Service ) but the bank refuses to honor its offer.
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (FL)

While reviewing my credit reports from Experian, XXXX  and XXXX  I noticed inaccuracies across all 3 in regard to account XXXX XXXX XXXX. After I noticed the error, I filed a dispute with Experian and sent a letter stating what was wrong along with a side by side comparison of all three credit bureau agencies. Experian then sent me a response stating the account was accurate, but I noticed the changed the date of first reporting along with deleting two years of history from the account. If the account was accurately reporting the first time according to Experian, then why did they update to the terms they have now, which are a clear violation of my rights as a consumer due to discrepancies on my report. To aid with my complaint I attached two different credit reports to assist with my complaint.
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I received an email from someone impersonating my boss at work on XX/XX/2020 and the email was sent to my work email. My boss ' information had been compromised and I was sending money under false pretenses. He requested my help with sending money to a vendor via Cash app and stated that I would be reimbursed afterwards. His email had the name of my boss and he had a photo of my boss in the email. I have email correspondence that I can provide to prove that this was impersonation. I believe there were multiple people involved as I was requested to send money to two different people. I filed a dispute to my bank ( XXXX ) and now it is under investigation. I emailed CashApp and they denied my request as they are unable to refund " completed '' transactions. I sent someone named XXXX XXXX {$1700.00}. CashApp told me I should file for fraud under my bank but I would like CashApp to cooperate with the fraud investigation.
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: EQUIFAX, INC. (NE)

XXXX has refused to remove a fraudulent account from my credit report despite me advising the company that after investigating the account they are reporting, I have found the account to have been opened by someone other than myself. XXXX 's attorney XXXX XXXX, advised that an identity theft report must be made in order for them to stop reporting the fraudulent information. I have completed an affidavit with the FTC and would like the fraudulent information to be blocked or removed from my report immediately.
Consumer complaint received 2020-05-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (PA)

Our lender has caused nothing but problems since pretty much day 1 of this loan. We've had them misplace numerous documents, lose access to ex-employee info that included our file that she was working on, communicate with the seller of our home instead of us directly, and so many more things that I can't even get into right now, but what we really need them to fix here is the fact that since XX/XX/2019 we have been calling repeatedly, sending messages and leaving messages about refinancing our loan due to a loss of income, and more recently with the covid-19 pandemic, we filed again for help with the loan, all with NO REPLY OR RESPONSE from the company! They have been made well aware of the financial situation, we've sent them the hardship papers twice now, and again, the covid-19 application too, so that's 3 applications we've filed for help with them, only to have them completely DESTROY our credit every month by reporting it late despite our pleas for help with this. We just found out they raised our monthly payment roughly {$100.00} per month with absolutely no idea why or explanation from them whatsoever! They refuse to add my wife on the mortgage information ( even though they talked to her thru the mortgage process and not me ) with having that request sent in several times as well! I've been yelled at, transferred, hung up on, and when I finally do get someone on the phone, it's a different story or information every time, so I have no idea what's going on or how to get out of this situation!?! They basically have me screwed right now because no one will touch this loan being it's been reported late from them.
Consumer complaint received 2020-05-07
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. (NC)

I mailed credit dispute letters to Equifax, XXXX, and XXXX on XX/XX/2020 and the incorrect items have not been removed. I also have not received any communication back from the credit bureaus.
Consumer complaint received 2020-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

WAKEFIELD HAS BEEN HARASSING ME FOR 2 MONTHS NOW FOR THE COLLECTION THAT IS NOT MINE, AND FAILED TO VALIDATE OR PROVIDE DETAILS ON IT. I BELIEVE THAT THIS IS A SCAM BECAUSE I HAVE MONTHS RECEIVING LETTERS ABOUT THE AMOUNT I OWE AND EVERY MONTH THAT I GOT A NEW LETTER TEH BALANCE WAS ALWAYS DIFFERENT.. I GOT NUMEROUS AMOUNT OF LETTERS AND CALLS THEY STARTED FROM REDICULOUS AMOUNT AND KEEP DECREASING AS TIME WENT BY, AND I HEARD ON THE NEWS ABOUT THE COLLECTION LETTERS SCAMS ... ONCE IT CAME ON MY CREDIT REPORT IS WHEN I TOOK ACTION BECAUSE MY INSURANCE PAYED THE MEDICAL EXPENSES AND I ONLY PAYED WAS LESS THE AMOUNT OF XXXX DOLLS THAT I WAS DUE FROM.
Consumer complaint received 2020-05-08
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)

A while back I lost my wallet with all my personal information inside. I didnt think much of it and went to get a new social security and DL. I continued with my everyday life an dnever had an issue. Just a couple of days ago I decided topul my credit because I continued to get suspicious letters in the mail. I looked at my report and Im shocked with the number of items that were opened on my name. these suspicious items are not mine. please remove them from my report. XXXX XXXX XXXX {$950.00} XXXX  XXXX {$420.00} XXXX  XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX  XXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (CA)

I am filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.
Consumer complaint received 2020-05-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow inquiry
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (OH)

Account was opened XX/XX/XXXX, XXXX credit limit i was in hardship with losing job they continued to report the account late, after being told of this hardship. the account was closed, and i paid the account off now they are refusing to remove the account or late payments and they are not reporting the card or balance anymore last update was XX/XX/XXXX its XX/XX/XXXX.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF THE WEST (CA)

I have had accounts opened in my name with banks. One of these accounts is with Bank of the West. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2020-05-07
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: STATE FARM BANK, FSB (NY)

I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, STATEFARM BANK, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.
Consumer complaint received 2018-01-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (TN)

I do n't believe my " customery fee '' was fairly explained ( legal? ) in the documents I e-signed. My principle was supposed to be reduced but of a XXXX payment, only XXXX was applied.
Consumer complaint received 2020-05-08
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. (GA)

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX, XXXX {$150.00}
Consumer complaint received 2020-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have to charge off on my account that I told him wasnt mine and they will not take it off my account because they say it was verified but it wasnt very far because I am a XXXX person and I never had those accounts in the first place so I was trying to get them off my experience and XXXX XXXX and it will XXXX report on my XXXX XXXX report it shows open and on my XXXX  and us. It shows closed I have twoN and when it discover and I am trying to get those off my report so I can move forward in life and possibly get a mortgage XXXX thank you for helping I have sent in my 609 laterLetters and I have gotten no response back yet thank you.
Consumer complaint received 2020-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX some orders showed up on my XXXX XXXX XXXX XXXX Checking account. These charges originated from XXXX and paypal. I immediately contacted XXXX and XXXX and paypal to report the fraud. XXXX was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and Paypal as well as XXXX. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my XXXX account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to be fraud. XXXX finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and Paypal to settle this matter. Both XXXX and Paypal stated that because the fraud claim was submitted to XXXX for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and Paypal by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (CT)

I decided to refinance with a different bank but Key bank is not responding once they knew about it. I requested KeyBank for their permission to use the appraisal done ( paid by me at {$500.00} ) but I am not getting any responses back. I reached out to them on XXXX Its very unprofessional for them to treat customer this way once they knew they are not getting the business for the mortgage refinance. I was professional enough to let them know the change in direction as the rate was higher compared to the other bank I decide to go with.
Consumer complaint received 2020-05-07
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: EQUIFAX, INC. (NC)

Equifax drop my score 75 points for no reason after starting a reed investigation for no reason. XXXX  continues to post the XXXX XXXX   account on my report as Equifax has.