davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have already paid a settlement offer XX/XX/2021 over the phone to get this debt deleted off of my account. 
XXXX  reference number - XXXX Capital One. 
Please update my account as Ive paid the agreement and illy account keep getting fasleey flagged every month for no reason, and spamming / harassing my phone.
Consumer complaint received 2017-09-29
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: Experian Information Solutions Inc. (IL)

I try to contact XXXX, XXXX, and experian, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and XXXX and XXXX are ignoring my situation.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> PENTAGON FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX VA XXXX Re : Dispute of Charge-off Due to Non-receipt of IRS Form 1099-C Account Number : XXXX Account Number : XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of {$600.00} or more. Since I have not received this form, I believe this reporting is inaccurate.

In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question.

2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation.

I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ).

I appreciate your attention to this matter and look forward to your prompt response. Please contact me at the above address or phone number if you need any further information. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (VA)

XX/XX/year> - I CALLED ABILITY RECOVERY SERVICES @ XXXX TO INQUIRE ABOUT DEBT THAT HIT MY CREDIT REPORT ON XX/XX/year> AND THEY COULD FIND ANY INFORMATION DESPITE ME PROVIDING MY NAME, SOCIAL, DATE OF BIRTH, ADDRESS, RENTAL PROPERTY ADDRESS, PARENTS NAMES AND SOCIALS AND DOB, MY KIDS INFORMATION. I SPOKE WITH THREE REPRESENTATIVE NONE OF CAN FIND ANY RECORDS OF THESE COLLECTIONS. THEN I CALLED XXXX AND THEY COULD NOT PROVIDE AN ACCOUNT NUMBER. NONE OF THIS MAKES SENSE, HOW THEY ARE ABLE TO POST INFORMATION ON SOMEONE'S CREDIT REPORT WITHOUT ANY VALID INFORMATION.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be  lowered because it looks like a recent collection on an account that I just opened
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Over the past several months, I have seen my Credit Score drop almost XXXX points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was making a purchase at Wal Mart through my Wal Mart App using my Wal Mart credit card with Capital One. It declined my purchase through the App. I then pulled out the physical card and that also declined. I then used my XXXX card to make the purchase and it was a successful purchase. A day later I looked at my Capital one credit card online and sure enough the purchase that was declined at Wal Mart is on my account as a purchase. I called Capital one to have it removed, they wanted proof of the decline and purchase they said I would receive a letter in the mail which I did NOT it came in my Capital one App. The letter stated I would receive a self addressed envelope to mail a copy of my receipt to prove my purchase was made by my XXXX card. Never received that either so I mailed to the address on the letter that was in my account messages. The money was refunded. 2 weeks later the purchase appeared back on my account again. I called AGAIN told them the letter was sent they said they had received it and it was under review. They refunded it AGAIN. Several weeks later the amount appeared AGAIN. I called spoke to a supervisor at Capital One they AGAIN wanted proof. She sent me a secure link to my email address for me to submit my original receipt showing the decline and the approval by XXXX and also a copy of my XXXX  statement. Capital one said the amount would be under review and refunded. Well a day later they charged my card AGAIN for the same amount TWICE. This company is very irresponsible and I want to file a complaint against them. I have spent so much of my valuable time trying to correct their mistake.
Consumer complaint received 2015-05-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have an FHA XXXX mortgage with BOA ( and as part of this loan, the escrow is something which my mortgage payment reflects ). When I first acquired the loan in XXXX XXXX, my insurance premium was $ XXXX/yr, sometime in XXXX XXXX, however my insurance premium dropped significantly to $ XXXX/yr which reflected some upgrades done to the house. When I called to see if my mortgage could be reduced, I was told that I would have to wait at least 6 months before an escrow analysis could be done, and in which that point, my mortgage will be reduced to reflect the decrease in insurance premium, and any overage paid during that time would be refunded to me. I must have called about 5 different times during XX/XX/XXXX to XX/XX/XXXX, and spoke to different people that each gave me the same information. When finally my 6 months were up, I called BOA to request for an analysis to be done, which reduced my mortgage payments from {$1500.00} to {$1400.00} per month, during this time, I was also told that the overage paid into my escrow which was about {$900.00} would be refunded to me within 10 days. I followed up recently via e-mail to ensure that the check was already sent out, and was told that because my mortgage was less than 1 year old, I am not entitled to a refund. This is ridiculous, given that I was assured by a number of reps that after my 6 months I would receive my refund. This is money that I overpaid! It makes absolutely no sense that BOA is holding onto this money, and I 'm not earning any money in interest! This is deception at its finest! I 'm not asking for a handout, I demanding money which belongs to me which I overpaid! This morning when I called to speak to a manager I was told that because of the type of loan that it is, this is the requirement set forth by FHA ... which is a lie, because I contacted both the FHA hotline ( XXXX ) and FHA National ServiceXXXX ) and they advised me that the refund is solely up to the lenders discretion, and it is nothing which they stipulate. I do n't understand how I could have been given wrong information by XXXX different people at BOA. BOA is holding on to my money ; in a way is theft! I am demanding for the overage paid into my Escrow to be refunded to me ASAP!
Consumer complaint received 2016-03-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

I am writing to alert you of fraud concerning my mortgage. I was alerted through a letter from M & T Bank that a pay off statement was requested from them. I received a letter to this regard dated XXXX XXXX, 2016. This is the letter stating now fnma-lakeview now owns my account. Which I never authorized any transfer of such things. There is a XXXX law firm constantly involved in fraud concerning a probate attached to this loan. My home is involved in a large plot of lands. I in no way afforded such people to own or transfer anything from my account. I have this mortgage merely to stop this kind of fraud from happening. I own these lands outright. There should not be any mortgages on any such properties or lands within this probate. Nor should the address or authority have changed. The parcel associated with this loan is XXXX or community XXXX panel number XXXX. I found a group boasting that they stole the probate through the transfer of the home attached to the loan. Please check into these things. The XXXX law firm attempted to steal a home attached to this probate in Delaware in previous years. They were unsuccessful. I would like any loans associated with this loan and homes or parcels checked into. There was only XXXX mortgage, it just got sold and resold never authorized. I show that many of these mortgages were placed on other parcels using the probate funds to pay such mortgages. I am the owner of this mortgage.
Consumer complaint received 2016-02-17
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Your agency has yet to produce any solution from Bank of America. I 'm wondering if this is to big of a task for this agency. 
Bank of America has just increased my loan payment more than 3 times the rate. Bank of America informed me this was an interest only loan and did not explain that it was only for 10 years. Bank of America will not assist me in helping. Bank of America suggested I default on my loan before I can receive help. 

Bank of America has assigned and then switched approximately XXXX different managers or employees to help me. 

Bank of America took over 1 year to decline my loan modification. Perhaps this needs to be repeated. BANK OF AMERICA TOOK OVER 1 YEAR TO DISAPPROVE MY LOAN MODIFICATION. This is unjust to say the least. As a result, I now have to pay tripple the amount. I could have shopped for alternative a year ago. 

Please hold this bank responsible. Enough is enough.
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

I have paid my loan within XXXX days of the due date but the mortgage company has not put the payment to the loan until after XXXX days and then places that I am XXXX to XXXX days late on my payments causing my credit rating to drop and making so I cant refinance and use my guaranteed VA home loan saving us thousands. This is not the first time. We had a problem with the in the past saying we had missed XXXX payments and it was from before they got our loan. I have spoken with OCWEN mortgage a couple times on this matter, they agreed my payments were current and paid within XXXX days but payments not applied until after. That 's not my problem. They payment was made within the XXXX days and needs to be made right on my credit report.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon being denied from a lender for too many inquires on my XXXX report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from Transunion, XXXX, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason : Transunion : 1. XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX  XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX XXXX XXXX XXXX : 1. XXXX  XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2017-09-29
Product: Credit card or 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: Incomm Holdings Inc. (NY)

I have 3 cards, all purchased at $XXXX from the same XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, NY.  Two of the cards were purchased and the cards inside had apparently been utilized in 2016 and the other said it was inactive. All 3 cards were charged properly to my credit card. I sent all of this info in and I have yet to hear back.This is a significant amount of money and I am in need of mediation.
Consumer complaint received 2017-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I purchased $XXXX worth of Litecoin on XX/XX/XXXX at approximately XXXX XXXX Eastern Time.  My debit card was charged, but never credited to my litecoin account.  I have E-mailed numerous times, and have not received a resolution to my problem.  It is now 19 days later.
Consumer complaint received 2016-10-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Was given a predatory loan by a predatory lender who gave me more than I asked for. I am a senior citizen that attempted to take a small {$25000.00} loan for a new roof. The bank told me to take {$50000.00} as a minimum loan and that it was a no income check. I paid my regular mortgage and this XXXX until the financial crash in XXXX. Then had XXXX and XXXX XXXX in XXXX and XXXX. XXXX recovered, I modified and am current on my first mortgage. This second mortgage is serviced by Ocwen fined XXXX XXXX by NYS for not offering customer assistance to homeowners and to aid them. Their phones rang to nowhere, when people could be reached and made offers others did not have record or honor on XXXX occasion. Mostly it was holding on the phone and being transferred to others who offered no assistance. It kept me in continual distress and hardship creditwise unable to get low interest credit if needed etc. I am current on my larger first mortgage but this loan is in default and I went into negotiation through the courts. The lawfirm did not assist and made me come to many, many meetings and finally submitted a large legal bill thinking it was hourly billing. The judge explained its a fixed fee when they enter court mediation and the lawfirm walked off for years and never assisted after that. A new law firm came in after the statute of limiations had passed and began litigation and is trying to take my home on a 2nd mortgage by quadrupling the amount I requested and doubliing the amount I took, and it was because of them the interest compounded over years not me! 

They never offered the assistance they were fined for by NYS as 2nd mortgage companies were encouraged to do. They are predatory and I am a XXXX who face XXXX hardships, the financial crash and XXXX illnesses. Please investigate Ocwen practices and have them reduce the doubling of my loan so that I can finally have relief from this predatory company.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (CA)

I went through a 6 year Chapter XXXX and during that time my loan was sold several times. Eventually Seterus had my loan. I have ben out of the BK for 9 months and in a trial loan payment for 7 months. The trial payment was supposed to be for 3 months then the loan modification would give me a new loan. Seterus gives me the same story each time, The loan department is backed up and will get to your loan very soon. I concerned that communication with responsible persons at Seterus is almost impossible. XXXX XXXX Seterus Loan # XXXX.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AL)

I have both federal and private loans with Navient. I borrowed over {$70000.00} from approximately XX/XX/2003 through XX/XX/2006 for XXXX school. I have been paying on these loans since XX/XX/2007 and have had a few economic hardships and filed a few deferments since XX/XX/2007 ( some derferments due to low income and some due to my XXXX 2 years ago whereas my income was low ). Due to high interest and late fees, my principal balance still remains to be approximately {$73000.00} after 10 years of paying towards my loans. Thanks, XXXX
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

This is the second year I have problems getting my credit report from Equifax. I got my credit report without problems from XXXX and XXXX but Equifax is asking security questions that are not related to my, with wrong information, making it impossible for me to access my credit report, they claim I have a store card witch I do n't have, this is not the first time I have problems with Equifax. They are requesting me to send a form and copy of my social security card proof of address etc.
Consumer complaint received 2017-01-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a letter from Bank of America stating that they received a request from an authorized user to validate the debt associated with an account. As I do not have an account with Bank of America, I called the phone number provided on the letter. I was then informed that an account was opened in my name XX/XX/XXXX and then closed XX/XX/XXXX, the same year I was divorced. 
XX/XX/XXXX, my ex-husband added himself, both his current name and his alias, as authorized users to an account in my name which was closed XX/XX/XXXX. Furthermore, the Bank of America letter stated that a credit card had been issued in his name, and that I was responsible for all charges made by the authorized users on the account.The bank could not explain how someone could add himself as an authorized user on an account that was closed. In addition, they explained that the only way he could have done this is to have someone impersonate me, use my social security number, and answer my security question ( s ), which he had to have created in the first place. The representative with whom I spoke shared with me the phone numbers listed on the account, none of which are, or ever have been, mine. 
XX/XX/XXXX, my ex-husband called the bank again to inquire about the balance of the account. 
Another alarming factor of the situation is that the correspondence I received from the bank listed my name and my current address, which been my address only since XX/XX/XXXX. Therefore, my ex-husband was able to provide the bank with an address which was not his, to gain information about an account in my name.