davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CT)

On XX/XX/XXXX, I assumed a lease with U.S. Bank from an original lessee in MO that originated on XX/XX/XXXX. On XX/XX/XXXX, I was charged for property taxes assessed in the amount of {$1100.00} in the name of the original lessee in MO ; of which I am not the original lessee nor have I ever been a resident of this location. On XX/XX/XXXX, I requested a copy of the original property tax statement, via telephone, showing the taxes assessed in my name. I did not receive a copy of the property tax statement, but I received a copy of the official tax payment receipt eight months later ( printed by U.S. Bank on XX/XX/XXXX ). I contacted the XXXX County MO tax assessor to confirm their property tax laws, of which U.S. Bank did not apply within the Motor Vehicle Lease Assumption Agreement. U.S. Bank should have been attentive to the details of the XXXX County Missouri property tax laws at the time of the lease assumption, informed the original lessee, and noted the forthcoming personal property taxes due from them on the Agreement and as a condition to transfer the lease.

I have spent hours on the phone with U.S. Bank in regards to this issue ( since XX/XX/XXXX ) requesting : the official property tax statement, a property tax dispute, a property tax dispute request letter of submission in writing, a property tax dispute denial letter in writing, and the contact information of the tax department and/or the person who determined the dispute to be denied. Only, to be transferred to every other department but the tax department, having no record of the tax dispute denial letter, refusing to provide bank-based contact information of relevant points of contact, and not returning calls or responding to emails. I still to this day, have not received a tax dispute request letter of submission, a tax dispute denial letter, or the contact information of the point of contact who denied the dispute. 

This property tax dispute has been extremely stressful and unnecessarily time consuming. It has delayed my intentions of getting another vehicle, because of persistently communicating my law abiding argument and my concerns to prevent negative and erroneous credit reporting. As a XXXX veteran, this dispute has affected my health, created a financial burden for transportation to medical appointments, and remains unscrupulously unresolved. As a result of U.S. Banks imposition of predatory lending practices during this dispute, of coercive attempts to accept the responsibility of unlawfully charged and un-owned property taxes, through their actions of deceptive communication including failure to disclose and provide information ; I have contacted legal representation.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I need your support to address the wrong account listed on my credit report. This issue has caused significant damage to my reputation, and I require your help. Due to your mismanagement of my credit information, my reputation has been severely affected. These errors need to be corrected so I can move forward with my family.
Consumer complaint received 2020-05-04
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. (TX)

I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX XXXX. I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.
Consumer complaint received 2019-06-03
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: Experian Information Solutions Inc. (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have contacted Equifax 3 times about a collection on my report under : XXXX XXXX, XXXX. 
ORIGINAL BALANCE {$140.00} CURRENT BALANCE {$140.00} STATUS ( AS OF XX/XX/XXXX ) UNPAID FIRST DELINQUENCY XX/XX/XXXX LAST PAYMENT Not Reported AGENCY NAME XXXX XXXX, XXXX. 
AGENCY NUMBER XXXX ORIGINAL CREDITOR XXXX and waited over 60 days for them to respond and they have not. This is the second complaint I have submitted and they have not responded.
Consumer complaint received 2020-05-04
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. (AR)

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.
Consumer complaint received 2020-05-04
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)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been dealing with an issue with Capital One since XX/XX/2020. Funds were frozen pending an investigation from an incoming wire from XXXX XXXX. XXXX  conducted their investigation and removed all fraud charges. They instructed Capital One to reverse the funds back to XXXX on XX/XX/2020. Despite daily phone calls, numerous complaints, Capital One has not done this. Meanwhile my account is frozen. 

I lodged 5 complaints with Capital One - they have not responded to a single complaint.
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

XXXX XXXX called and left a voicemail from XXXX asked to call back at XXXX ext XXXX. I did not return his call ... .then I get this text from XXXX XXXX NMLS #  XXXX from Amerisave Mortgage Corporation ( XXXX ) number XXXX. I sent a text back with just " opt out '' and received 4 more text. I also received an email at XXXX XXXX Sunday the XXXX of XXXX. I sent an email back with just " opt out '' Today XX/XX/XXXX I received a call from Amerisave again and continuously said to opt out and the loan officer continued to speak. This is a violation and needs to be dealt with asap with this extreme violation.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2020-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (HI)

This complaint is against FedLoan Servicing, the Loan company that has been selected to help service the " Public Service Loan Forgiveness Program ( PSLF ). '' I have been trying to work with them for many years and continue to have difficulty with their review of my qualifying payments. They have re-reviewed my account ( at my request ), which takes over a year, and still have not responded to my questions regarding being forced into forbearance during their recalculation periods and the fact that I am still missing 20 qualifying payments. I should be eligible for loan forgiveness in XX/XX/XXXX, but have been given the " tentative date '' of XX/XX/XXXX. 

1 ) The months of XX/XX/XXXX and XX/XX/XXXX were forced forbearance due to FedLoan Servicing needing to recalculate my payments. I still had to pay my bill ( which was over {$300.00} higher than my normal consolidation payment ) during that time. When I spoke with FedLoan Servicing, they said that they would refund the money from my XX/XX/XXXX payment as well ( if it didn't count toward my PSLF forgiveness at the time ) or use it toward a future loan payment. This never occurred, so I am asking if I may please receive the money for these months as a credit to my account OR have those 2 payments count toward PSLF.

2 ) I understand that XX/XX/XXXX was another time of forced forbearance due to FedLoan Servicing 's recalculations. However, when I go back into the online payment history, I do not see any other payments for this month and/or prior to this date being counted. I can go back to my paper files to verify the amount paid during these months if need be, please let me know if this information would be helpful to you, as I have consistently paid my monthly loan bill since XX/XX/XXXX.
Consumer complaint received 2020-05-05
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. (GA)

XXXX Paid Mortgage Payment- website not functioning properly and stated the following day that it was not paid. Although we had confirmation it was. 
XXXX Paid Mortgage payment again due to the website error and being told by XXXX XXXX that it was not accepted. 
Both of these were then debited from our bank account the first payment that they stated was not taken and then the second. We can prove through statements from XXXX. 
XXXX Contacted XXXX XXXX we were told to contact XXXX that this was on their end and nothing XXXX would or could do. Contacted XXXX paid a fee ( out of our pocket for XXXX mistake ) to then have this payment reversed and credited back to our account. 
XXXX Paid Mortgage Payment XX/XX/2019 Pay Reversal done by XXXX due to prior phone call with the stop payment & reversal as they blocked XXXX from taking any money from our account. When the request came through from XXXX they denied it based upon this. 
We have screenshots to show this and where it was paid and paid on time. 
XXXX We were made aware that two payments were due at this time due to the mistake outside of our control. We immediately in a show of good faith paid two payments at the same to get this back current. Incurred additional late fee even though this was something we never knew about and have screenshots showing where it was paid on time. 
Even after such as this was corrected and XXXX was aware of the mistake and mishap from the website & XXXX they chose to report this to our credit. The single derogatory remark ever on our perfect credit profiles. This has reduced our scores drastically.
Consumer complaint received 2020-05-04
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX, XXXX and Equifax, XXXX, and XXXX  have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX XXXX, XXXX continues to report this account inaccurately ( balance ). Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information. I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Consumer complaint received 2020-05-04
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. (TX)

I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX ). I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.
Consumer complaint received 2020-05-05
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. (AR)

My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$8400.00}
Consumer complaint received 2020-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened an account with Capital One Bank. 
The account was charged off, and a company called XXXX XXXX XXXX claims to have purchased the debt. 
I subsequently paid back Capital one Bank Directly for this debt. I have attached the proofs of payment. 
XXXX XXXX refuses to remove the tradeline from my credit report or update it as paid to capital one in full. 
I have sent portfolio recovery two separate written letters asking for this to be rectified.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report along with a deletion letter from XXXX XXXX  XXXX . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-05-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is not properly handling a CD account for {$65000.00} in the time frame promised upon opening this account. I was informed that these funds would be immediately available XXXX XX/XX/2020 by a branch associate. I reached out to have the account closed on XX/XX/2020 and they stated it would take 7-10 business days. The branch is also unwilling to rectify their errors. I verified my identity at the same level XXXX requires ( as a former employee ) and Capital One ignored it. Today is XX/XX/2020 and they refused to expedite this process to make up for their errors. Every agent has refused to put me in touch with their supervisor or a competent professional in the CD department. The one agent even lied about the number to Headquarters and when addressed began to shout over me. This is gross negligence, a lack of due diligence, and quite frankly financial abuse being were in a pandemic. Ive incurred costs from other companies as a result of their incompetent employees.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUN LOAN COMPANY INC. (OK)

I did not under 15 USC 1681 provide them with consent to obtain or furnish my information. This company has refused to remove the remark and even placed on my report that I disagree with it however they are breaking the law under 15 USC 1681 this report needs to be removed from my credit report