davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Less than XXXX weeks ago Kohls credit cards were being issued by Capital One. I received a replacement card XX/XX/year>, but requested it not be activated because it was a Visa card to be used everywhere. I wanted only the store card. I was told that could be but had to be reissued by Capital. I was to contact Kohls store for their credit card, which in turn automatically sent me to Capital One. I wanted to use my current Kolhs for the weekend 40 % off discount. Told I could do that and my card was good until XX/XX/year> and then i would have to request a new one. My store card was cancelled and couldn't be used. Again, they wanted me to activate the Visa card. I called a XXXX time, explained what happened and was told it was Visa card or nothing. I called a XXXX time, XX/XX/year>, the representative supposed took care of it and issuing a new STORE card only. They asked for my ss and other personal information. Next day of XXXX I received notification from XXXX that my SS and personal information is on the dark web. Today, XX/XX/year>, I received XXXX notifications from Capital one congratulating me on my new Visa card. I spoke with 3 people today. One representative stating I was processed incorrectly as a new applicant and she would take care of it, send a cc for Store only and not activate the first new Visa, haven't received the other yet. 

It was after the sixth person did they connect to their fraud customer service in XXXX FL to ask what are they going to do about getting my info on the dark web. Prior to this connection the previous XXXX representatives had no idea where to send me. Asked to speak to a supervisor only to be left on hold for long periods of time and to say no one available. The FL representative gave me XXXX # for ID theft and to request fraud alert. He would straighten out the store credit card with Kohls. I was then hearing prerecorded message from Kohls about their store cc, online, return options. No idea if he did anything. I will wait for the mail to see what arrives. 

Due to Capital One mishandling, I have received at least XXXX emails from XXXX in XXXX FL about a rental contract. I haven't left the state or rented a car in years. Spam or scam, time will tell if they claim I owe them a car.
Consumer complaint received 2021-02-03
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. (WA)

I have reported an identity theft complaint to XXXX XXXX Experian XXXX  and XXXX. I have supplied a notarized affidavit and statement that the item from XXXX XXXX is not mine. I am attaching to this complaint my affidavit, letters to XXXX XXXX Experian XXXX  and XXXX  notifying them of my dispute under Section 609 FCRA and that the debt in question is an identity theft case. I am also attaching my reference number filed with The FederalTrade Commission regarding identity theft. I can not qualify for an apartment with this debt on my credit report and I feel as though it is illegal for Experian XXXX and XXXX  to allow this to be reported to my credit bureau so a debt collection agency can try to extort money from me. I am XXXX years old and this is very stressful. Please help.
Consumer complaint received 2021-02-02
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: Experian Information Solutions Inc. (GA)

To whom it may concern, I have been in contact with the credit bureaus concerning an information that is being reporting to my reports. I asked for additional information such as documents with my signatures and have yet to receive any of my request. This is out right unfair and this should not be allowed to happen. I also have requested information from the creditors as well and all I am getting is silence. The last letters were sent on XX/XX/2020 ( certified ) and I have yet to receive a response. The credit bureaus are not in compliance and should be held accountable.
Consumer complaint received 2021-02-03
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. (NH)

I have been trying for over 3 years to get Equifax, XXXX XXXX XXXX  to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as XXXX points
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address XXXX XXXX XXXX  Transunion Accordingly.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

Focused Recovery solutions claimed I owed a medical company in XXXX VA, XXXX was paid long ago. I 'm not sure how this company ended up with the account. I never got correspondence from this company. They just showed up on my credit report saying I owed XXXX. When I called to verify the debt was real XXXX said the debt had already been paid. They also said they have no knowledge of the said credit collector.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX XXXX XXXX with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NC)

We continue to need to know why Dovenmuehle has listed a second mortgage against our account, with an additional {$2800.00}. Additionally, we have verified that only two months of payment were missed ( for a total of {$2900.00} ), for last XXXX and XXXX of 2020 due to COVID 19 and the restricted employment of my husband. All normal payments were resumed in XXXX. We have a letter from Dovenmuehle stating that the terms of the deferment were for those two missed months to be rolled into the end of the loan with no additional interest charged. 

We have been trying to resolve this issue since XXXX of 2020. We then began to try to refinance our loan in XXXX of 2020. Initially, we were told there was a hold on our account to where XXXX XXXX could not make the payoff. Then, during this last month, we have been told that XXXX XXXX can not make the payoff due to two mortgages being listed.
Consumer complaint received 2021-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I spoke to an agent XX/XX/XXXX to resolve collection account. I agreed to pay {$3900.00} in order to remove the trade line since this was the only account damaging my credit worthiness. My account was never updated until recently after a dispute but it only updated reflecting paid less than owed amount. The settlement agreement was to remove the trade line. I have a recording of the conversation on XX/XX/XXXX and want for them to pull that call and honor the agreement as and act of good faith.
Consumer complaint received 2021-01-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have 6 year in XXXX XXXX california XXXX  in XXXX. now i worked ok the first couple of years in the field i started out working for XXXX XXXX then i moved to a place in XXXX XXXX california XXXX  a place called XXXX XXXX  XXXX XXXX where i got robbed like XXXX XXXX  an XXXX  and locked out from mostly all my XXXX  i hear theres a couple of XXXX  pages that im not familiar with and 5 celphones  on my names that i also did not take out also a couple bank acounts i never created and benifits in california i never applied for i been harrast by a guy who use to work in the field with me and my brother who i think is the one who stoled my papers also some cops from XXXX  XXXX then we got pulled over by XXXX  and also took my replaced documents because he wanted money ive been tooken to jail 3 times the second my name was slighly change i asked why did you changed my name and she said it wont affect me ive tried to reach out to the authority but they say that i have to bring a credit inquiry i got it its like someone deletes information from it i have a person helping me from XXXX  holding information for me in case because i also think im getting hacked on XXXX  i applied for us passport and never recived it.when i called the place they said that my documents will be resent
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WHEELS FINANCIAL GROUP, LLC. (KY)

I borrowed money against my own car. I have been making payments for 3 years plus. They have never applied anything towards my principal balance. They keep telling me Im behind. I make payments to catch up then make payments and again nothing towards principal. Of a {$3500.00} loan XXXX yrs later they say I still owe {$7000.00}. Approximate amount. They make promises over phone then say XXXX didnt make said promises. I have paid them nearly {$10000.00}. If I dont pay they will repossess my car. I again in good faith tried to get this under control again they lied to me and telling me I owe {$900.00} in payments. I made payment in full up to date in XXXX, they said I had a month deferred, {$300.00} due in XXXX. That was on XX/XX/year>. My XXXX payment was on time. Now they say I owe for XXXX payment and XX/XX/XXXX payment isnt even here yet. They are asking for {$970.00} to not repossess my car.
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Harpeth Financial Services, LLC (TN)

Incident Date : XX/XX/21 @ XXXX XXXX 
Location : Advance Financial 24/7 Phone # - XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have an open Flex loan with the company Advance Financial 24/7. My father was going to help me pay the balance off for this loan. Due to the insanely high predatory interest rate of 279 %, I was unable to keep up with the payments. We had an agreement made among us that I was going to pay him back in installments. We tried to pay the balance off over the phone on XXXX but for some reason were unsuccessful, and was instructed to go to the financial institution in person to make the arrangement. Due to a scheduling conflict, my father drove to the XXXX Branch to pay off the balance. I was told by the corporate office department on the XXXX that my father would absolutely be able to make a payment, but they would obviously not disclose or discuss the account with him, or even give him a receipt- that would just be emailed over to me. Once my father arrived they told him I would have to call Corp office to make a note on the account to give my father permission to be able to make a payment on my behalf. I did contact their office and advised to please make a note to allow my dad to make a payment on this loan. Not only did they discuss my account with my father, they printed out a detailed transaction summary ( with all the cash advances, dates, amounts ) and also provided him with a detailed receipt detailing the information about the loan. I have the printed out documents that were given to my father and will attach them to this summary. They clearly violated my privacy and divulged my personal information to an unauthorized party who is not on the loan in any capacity. Again he is not on the account. This is clearly in violation of the law. The amount of stress and mental anguish this created between my father and me has left an everlasting mark. I am already struggling financially and on top of this unnecessary burden is causing me even more mental anxiety. I immediately contacted the customer service # and explained the situation, and on the recorded line every representative I spoke with agree that they should NOT have discussed my account information with my father. I was told I was going to get a call from the area manager, I never received a callback. I spoke with XXXX XXXX office # XXXX and he even agreed that they violated company policy and that this should not never have happened. I have yet to receive any correspondence from any upper management, they did not provide me any contact information for any upper management. My privacy was violated and the best they could do was " I will send an email and someone will call you back. ''
Consumer complaint received 2024-10-11
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: TD BANK US HOLDING COMPANY (DC)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

The account in Question is with XXXX XXXX. The payment was delinquent and was eventually charged off. The problem is the XXXX XXXX is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and XXXX XXXX nor the 3 Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XXXX, XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games XXXX XXXX is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all 3 credit reporting agencies and they continue to report the innacurate information. According to XXXX XXXX, Experian, XXXX and XXXX now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.
Consumer complaint received 2021-02-02
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: Rocket Mortgage, LLC (FL)

Received a credit inquiry alert on XXXX XXXX XXXX. Once opened I noticed a new " Hard Inquiry '' on my report. The company used was XXXX, which I also filed a complaint about. WHen I called them they advised that the original inquiry came from Quicken Loans which I never authorized. This is fraud and would like the inquiry removed asap. XXXX advised that QuickenLoans needs to contact them to have the inquiry removed.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I keep getting unknown report on my credit report about me owing some kind of debts to these unknown companies I been a victim of identity theft in the past which I have reported and have actually visit a law enforcement agency to report my current situation. Just today XX/XX/2021 have received on my credit report a collection notice and yesterday was the same thing both for XXXX and the other is for XXXX XXXX XXXX  in which I bank with XXXX XXXX can you please assist me on this situation please
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

There was a check fraud of unauthorized transaction of XXXX dollars Transaction occurred on XX/XX/2020. 

I noticed it on my account about a week after it happened.. 

I have notified my bank, Schools First Credit Union, within 14 days. ( this number is accurate, as I remember notifying before 14 days. 

They told me I have to fill out a check fraud report unless I don't get cover this money .... 

Due to heavy volume schedule at work, I didn't find the time to visit the bank.. 

They told me I can't get my XXXX dollars because I came in too late ... 

I have reported the fraud within less than 14 days after it happened ... 

Not even near the 60 days of not reporting of this case ... 

Could you please help me with this case.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (WA)

I provided a copy of a motorized affidavit regarding identity theft to Rent Debt Automated Collections as per their letter. I have circled in yellow what they asked me to which was to provide ONE of the described items which I did. Please see attached letter from Rent Debt circled in this complaint. Also you will find a copy of Rent Debts response to the CFPB saying I provided an incomplete identity theft package. This is a lie. If you read their letter I complied with the request. Rent Debt is frequently sued for unlawful debt collections. This is an identity theft case snd I provided an original notarized affidavit at their request on their letter. I am also providing a copy of one of a series of letters sent to them disputing this debt. I am also attaching an identity theft case number filed with FTC.gov regarding identity theft. I am not providing my social security card or my license to a debt collector. This is not my item and I complied with the letter sent to me by Rent Debt as you can see by the cut led part of their letter. They misrepresented their response to the CFPB. This is identity theft snd thus must be removed from my credit.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (UT)

I noticed a credit card opened and closed in my name on my credit report. I have disputed this with XXXX  XX/XX/XXXX and on XX/XX/XXXX they said it was accurate and left it on my credit score. The company involved I can not contact because I do not have an account with them. Every time I try and call the automated system they ask for information that I do not have because it's not my account. It is a small charge but hurting my credit score. The account was unpaid but because I didn't set it up I never received any calls, emails, or letters letting me know it was delinquent. I would like this account removed please. The company involved is SYNCB/PPC, the account number on the report is XXXX. 
The account was opened on XX/XX/XXXX and closed XX/XX/XXXX according to XXXX. The account was " charged off ''. There number is XXXX. Appreciate any help you can give on this. 

Best, XXXX XXXX