davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Thanks for your help with # XX/XX/XXXXXXXX & # XXXX, XXXX XXXX and XXXX Hospital.. Experian refuses to remove this collection from my report. It was noted twice.. I have disputed this twice and Experian will no longer communicate with me.. On my recent credit report it states that XXXX  XXXX XXXX XXXX Hospital did not violate the fair credit reporting act. My understanding is they must give you 30 days to make payment. They went directly to collection without notifying me. I sent a letter of validation to XXXX XXXX XXXX XXXX Hospital They sent me a hospital bill and nothing else.. Experian continued to drop my credit score by approximately 100 points.I make my payments and am not late.Experian continues to send offers for Experian Boost for {$19.00} a month to increase my credit score.Am I the only one to see a conflict of interest? I would appreciate any help with this situation. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX***. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2023-05-15
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-23
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. (LA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed 2 separate claims on XX/XX/XXXX. 
BOA made me file 2 separate claims for the same charges. I appealed both and they were all rejected with no reason given. BOA did not attempt to reach out to the company to verify the charges prior to rejecting them. 

Claim 1 was Claim ID XXXX and Claim 2 was Claim ID XXXX. 
XXXX I was charged {$42.00} every month from early XX/XX/XXXX to XX/XX/XXXX. The charge is from something called " XXXX XXXX MA ''. The total amount was over {$600.00} On XX/XX/XXXX I contacted the company in attempt to get info on what this charge was for. I spoke with XXXX with badge ID XXXX. XXXX was unable to find my name, CC #, email, phone # or anything that associated me with XXXX and he told me that there was nothing he could do and that I needed to contact my CC company ( BOA ) to dispute the charges. I did that and everything was rejected by BOA. BOA never attempted to contact XXXX for details and the only reason they provided as to why my claims were rejected was because this was a " subscription or reoccurring bill that i have paid in the past. '' The only reason I paid it in the past is because I never caught the charge on my credit card so it was always paid. This does not change the fact that this is a fraudulent charge.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

On XX/XX/19 at approximately XXXX I went to logon to my Equifax credit freeze to unfreeze my credit. It would not recognize my name and/or password, which I used successfully in XXXX. I requested an email. Which I never received. I had to go onto live chat because I could not find phone number on their website. I was told to call an XXXX number, which I did. After going through the authentication process ( which, thank goodness, I passed ) I was told I had no account. I said yes, I do, I have a name and a password to freeze/unfreeze my credit.. They asked me if maybe it was with another credit bureau. I said I did have a freeze account with them and the other two major credit reporting companies. After some back and forth talk and me not conceding to the fact I didn't have any kind of logon info I was told that I had unlocked my credit in XXXX, which I had. So, yes I had a freeze pin number. It was also suppose to be a temporary unfreeze. So I wanted to freeze my credit at this point because I have no faith in this company. That is when she tried to sell me a paid credit monitoring account with Equifax. I just want to freeze my credit. So she said I had to make a new account because the website had been updated. What? At this point I am now doubting myself and everything I have done so far to get to be able to be in control of my account. I hung up. This is ridiculous that these companies have so much power over us and our life fiances. It shouldn't be this difficult to try and keep your life savings secure when you don't even have any say in these companies having your information.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America, without notice inappropriately paid my real estate taxes and initiated an escrow account for my loan against my requests and demands. I was in the process of appealing the real estate tax assessment ( and was affirmed by the local taxing authority ) when BoA paid the taxes and penalty and interest which I now need to back out and reverse -- costing me hours of time and problems with the city, assessor, and BoA. I have already spent over 7 hours ( mostly on hold with BoA since they won't give me a direct contact ). BoA is hiding behind its vendor, XXXX, which hasn't responded to BoA 's 3 week old request.
Consumer complaint received 2020-01-20
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. (SC)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Consumer complaint received 2019-10-09
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. (CA)

In XX/XX/2019 I disputed a Charge Off reporting on my Equifax Report with inaccurate information. The account has been closed for years and is still reporting with a monthly payment and past due balance which is not accurate. There should not be any past due balance or monthly payment if the account was closed and charged off. I sent Equifax a letter regarding this matter in XXXX and requested them to Delete the information off the report and requested a updated copy of my Credit Report, and I never received a response from them. Again this was in XXXX it is now XXXX and all they have done is stop reporting the monthly payment on the account. I never got any notification regarding this change and yet they are still reporting the account inaccurately with a past due balance. Im attatching supporting documentation showing proof.
Consumer complaint received 2020-01-20
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. (SC)

USPS TRACKING # XXXX I've sent a dispute previously to Equifax to investigate and remove some fraudulent information from my credit report. They'll yet to reply to me, so I'm sending in another dispute with a complaint. I have documentation directly from them that I received in XXXX that listed me as victim of the data breach. My SSN, ID, and other personal information were exposed. I just want this issue resolved, I did not benefit from any of the accounts that were opened, as they have prevented me from obtaining any new credit lines and for my own accounts to be closed and or reduced. My previous dispute was sent and received back in XX/XX/XXXX, and another in XX/XX/XXXX, I've also sent a complaint though this portal.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.
Consumer complaint received 2020-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (MS)

One Main Financial has illegally used my debit card information to extract a payment which was higher than discussed. I have never allowed automatic deductions on this account. I have never knowingly given them permission to do so. It was never discussed with me. 

Date of Action : XX/XX/2020 Amount Deducted : XXXX Action Taken by Me : Dispute of Transaction at Bank
Consumer complaint received 2020-01-20
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. (NV)

I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (PA)

On XXXX XXXX, XXXX I contacted Checkr Inc and let them know that not only was the criminal information reported not me, but it was adversely affecting me and it was over 10 ( in fact 20 ) years old. The response I received was that it was public record, which does not make sense, I have lived in Pennsylvania all of my life and even provided them with proof that I was in college at the time that the report states I was supposedly in jail, but they refuse to take it off the report they provided to XXXX and XXXX. Oddly enough they provided several other background checks for me, and that information does not appear on the other ones, in fact they have provided 6 background checks in total, and the inaccurate information only appears on the XXXX and XXXX checks. Their response to this is because they are Transportation Related background checks, which does not make sense either, as I worked for XXXX XXXX XXXX in XXXX, as a XXXX, and they did a background check, and this information was not on my background, as it does not belong to me, and when asked how they derived at this information, all I received was confusing verbiage. It should be removed for several reasons, all six background checks they ran on me were for transportation jobs, XXXX, XXXX, XXXX, XXXX, and XXXX ( there is another, but I can't remember at this time ) and that information only appears on XXXX and XXXX, so their excuse that it is more indepth because it is for driving does not make sense, this public record does not belong to me, I just want it off my report.
Consumer complaint received 2023-09-25
Product: Credit reporting 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. (SC)

The purpose of this request is to have unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there is unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX XXXX
Consumer complaint received 2020-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority (FL)

On XX/XX/XXXX I sent the student loan payment for certified mail. I noticed that OSLA the student loan administrator didn't make cash the check. Also I received calls on XX/XX/XXXX at XXXX XXXX ( phone XXXX XXXX XXXX XXXX ) asking me to subscribe to automatic loan payment. also OSLA sent it to me two emails on XX/XX/XXXX asking about same questions and let me know I didn't the payment. Tired of that situation on XX/XX/XXXX, I sent to OSLA and email requesting to cash the checking that I can proved was sent it for certified mail, ALSO REQUESTED THAT THEY STOP THE HARRASMENT AGIST ME AND STOP TO PUSHING ME TO DO STUDENT LOAN AUTOMATIC PAYMENTS AND ALSO, REQUESTEM THEM RESPECT MY RIGHTS. 

Concerned with that situation I sent it again for certified mail on XX/XX/XXXX my student loan payment of XX/XX/XXXX, Again in XX/XX/XXXX I noticed that the check was not cashed again for OSLA. Inmediately the same day I sen it to OSLA a new email requesting to make cash the payment and STOP THE HARRASMENT AGAINST ME. 

To prevent problems with next payment of XX/XX/XXXX, I sent it again for certified mail the student loan payment with one month of anticipation. 

OSLA ANSWER MY EMAIL OF XX/XX/XXXX IN A VERY NOT RESPECTFUL WAY : they left message in my box mail ON XX/XX/XXXX, from phone number XXXX XXXX XXXX XXXX at XXXX XXXX  ( inappropriate hour to do that call too ), asking again for a payment that I did in XX/XX/XXXX. In addition OSLA sent it me four emails the on XX/XX/XXXX and XXXX requesting me to do a payment that I did in XX/XX/XXXX for certified mail. 

I am concerned about OSLA RETALIATION, they are not helping me and are affecting intentionally my credit, credit scores and credit in general. 

I REALLY NEEDS YOUT URGENT HELP, OSLA BEHAVE LIKE I DON'T HAVE RIGHTS.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I filed a complaint XXXX. I spoke with a representative of XXXX. I was informed that the incorrect information would be removed regarding the account at issue. XXXX has failed and refused to correct the inaccuracies that resulted from their internal policies and procedures. XXXX has not only punished me for error. They canceled my account without notice or any type of due process, or even a cursory review of facts and proffered evidence. 

Notwithstanding, XXXX has without cause cancelled my account that I had with XXXX for over 20 years. XXXX has cancelled my account and now states that XXXX will give me the opportunity to reapply. XXXX is fully aware that after 20 years of being timely with XXXX and all my creditors. I have retired and no longer have the financial power that I had before retiring. 

After having credit worthiness to obtain car loans, credit cards, and purchase three homes through the VA. After working and being financially responsible, XXXX set this entire situation in motion in whats appears an opportunity to discredit me knowing my insular and unprotected status. I am requesting that I be allowed to forgo any further internal procedures that XXXX is not inclined to respect. I am requesting that I be allowed to proceed directly to the proper judicial in an effort to be fairly heard, treated with some decorum of legality. 

Thank you
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (MI)

I have found that Allied Business Services have privilege and knowledge of my medical information to which places you in direct violation of the HIPPA act and regulations of 1996. 

In review, I have never signed a HIPPA form authorizing you ( allied business services ) to have access to any of my medical records, files or information. Therefore, I am advising you that I intend to pursue filing a legal complaint with the U.S. Department of Health and Human Services. 

I am also requesting that you remove any and all negative reporting of this matter to credit bureaus immediately or I will be forced to pursue legal means by and through my attorney XXXX XXXX. I also am requesting in writing from Allied Business Services to provide me proof in document form that they cease any collection matters regarding this matter and erroneous reporting to the credit bureaus.
Consumer complaint received 2019-09-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (TX)

Academy Mortgage caused me and my family a serious series of nightmares, one after next! 
The loan officer submitted my loan application on or around XX/XX/19 and the same week pre-approved my loan based on my income. 1. My employment and 2. Social security payments. 
The loan officer kept hassling me to get this and that back to him for submittal to the underwriter. I thought it weird since they had already had all of my income. 
On XX/XX/19 there was a closing document ( along with other forms ) submitted to title. We then learned there was a new problem that arised regarding my rental history. After THAT was establised and verified, along came another problem. They went BACK to saying my social security income was now in question. So my realtor submitted an extension for XX/XX/19, which the seller 's listing agent at XXXX XXXX signed, and the information was not privy to the seller 's broker at XXXX XXXX. On XX/XX/19 around XXXX my realtor agent texted me saying " THEY DENIED THE LOAN '' The seller 's agents did all that we asked in the contract to satisfy the sale of the home. 
But because there was NO CLOSING, I am now in a legal battle for the return of my {$1800.00} earnest money from the seller 's agent who refuses to release my money claiming BUYER defaulted by not showing up for closing and said even if the loan was denied, they said I am responsible for obtaining financing and said I am in default. This is even though we have a signed THIRD PARTY FINANCE ADDENDUM that clarifies the ability to terminate contract and return earnest money to BUYER if buyer is unable to obtain financing. 
I'm also out {$490.00} for the appraisal. 
If Academy Mortgage had just been truthful from the beginning when they had all the same information from beginning to end, I would have saved thousands of dollars and a lot of labor moving into storages after thinking I would be moving into my new home.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One Financial Corp EIN : XXXX Capital One Capital II EIN : XXXX I am writing to formally submit a complaint against Capital One Bank for the following reasons : 1. Inaccurate Reporting The bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing.

2. Misuse of Federal Reserve Loans I am concerned that Capital One may be abusing loans obtained from the Federal Reserve. It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account.

3. Abuse of Insurance Policy : The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. 
This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part.