davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital One Credit card where I make XXXX  dollar minimum payments. I have been going through financial hardship and have been late on a few payments. I am between XXXX  XXXX  and unemployment.
Consumer complaint received 2020-03-26
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)

My identity has been breached and used to obtain credit without me knowing. Please help me get to bottom of this and bring these people to justice. I can not even get a car loan because of this. I have become victim of identity theft due to I believe a data breach please help me.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trojan Professional Services, Inc. (CA)

XXXX. XXXX XXXX was our family XXXX  when we lived in XXXX in XXXX. We had medical insurance, the same medical insurance that we have had through the XXXX XXXX XXXX. XXXX. XXXX 's performed XXXX  services which were both covered by the XXXX XXXX and covered by independent payment. Our mailing address changed from our address on XXXX XXXX to our address in XXXX XXXX in XXXX. We did not receive any forwarding mail from XXXX office in regards to an outstanding bill. When I contacted the XXXX office about his recently, the billing clerk told me that " they just decided to submit the claim in XXXX '' and that they " never got any return mail back from the old address so ...? '' In other words, the clerk took it upon herself to send it to an independent collections collector ( Trojan ) to collect on a debt that I am not responsible for. Furthermore, it would be impossible for us to have been seen in XXXX in XXXX when we did not live there and also had another XXXX  at that time. They also took advantage of submitting a debt on my son XXXX XXXX 's credit report in which he was seen under age and not responsible for his XXXX  care at all. The medical clerk did admit the original date of service, insurance and the fact that we did have insurance and the fact that they were not sure of our mailing address. XXXX. XXXX 's office sold the debt to Trojan Collection Services.
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a victim of identity theft. I have supporting documents to support my claims that I am a victim of fraud. Navy Federal closed my account for no reason and I validated my claims with police report to support reasons things happened with my account. A lot of these happened Because I am a victim of identity theft in addition to domestic violence.

Every time I reach out to Navy Federal security they tell me they can not help me and it doesnt matter if I am a victim of ID theft I can never have access to my navy federal account again.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have numerous issues..I spoke to one of your agents on XX/XX/XXXX for over an hour.My sister 's name and mine are the same. Our socials differ by one digit. The 3 bureaus have her info on my file.I thought this was fixed till I got my 3 reports. All mixed up! Does not have my correct address. 
XX/XX/XXXX Trans Union reports 3 addresses in XXXX. I have lived present house for 22 years. XXXX XXXX XXXX. Never XXXX? Employers from XXXX?? am XXXX XXXX since XX/XX/XXXX.XXXX  XXXX  XX/XX/XXXX . I never got a card. XXXX XXXX who stated they told Trans Union that was NOT MY DEBT! 
XXXX-XX/XX/XXXX..I never had a XXXX XXXX acct. Never chged any money.XXXX XXXX again.I spoke to them they know I didn't have their card. Still showing past due etc ... didn't have 2 XXXX XXXX cards it was a fraud..only have 1. Shows XXXX XXXX XXXX.never lived  there..XXXX XXXX..sister..XXXX.XXXX.not us.XXXX XXXX Sister..XXXX.XXXX.XXXX..sistrr..XXXX XXXX XXXX..sister..SHOWS SOCIAL VARIATIONS ; XXXX?? NEVER USED XXXX  IS SISTERS..XXXX  IS MINE..Do n't work at a trucking company? Have also called all of these inquirers that I neverrr called..I never applied for Life Ins..XXXX XXXX..XXXX XXXX..XXXX..XXXX   etc.. 
XXXX  : Again, had 3 addresses in XXXX..only lived at one..had my sister 's year of birth XXXX..not mine..and her social XXXX..and her name XXXX. 
But this Trans Union investigation of XXXX XXXX  was incorrect. XXXX said they told TU that it was NOT me and they were writing it off..it was a fraud..so was one of the XXXX XXXX. They are all still reporting XXXX and it was NEVER MINE!
Consumer complaint received 2020-03-26
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. (MD)

I just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President XXXX   the XXXX   without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NV)

I left XXXX for XXXX XXXX XXXX program I have my phones to XXXX and they laid XXXX to buy out my contact transition and XXXX  took it off my credit but XXXX  every other year trys to collect and XXXX keeps accepting this fraudulent debt
Consumer complaint received 2020-03-23
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. (SC)

THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY REPORT.
Consumer complaint received 2020-03-24
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 (FL)

Charge of {$640.00} for deposit to moving company. Services not completed. Tried contacting day of and days before scheduled move. Left messages, emails and finally had to rent my own truck to move my things 1400 miles away. They were supposed to enter office at XXXX XXXX to gain access to locked gate. Documents sent by storage facility on my behalf to state movers never came or made known they were there. Storage facility has surveillance showing property and inside office. Bank never asked to see this to help my case. Moving company sent photo of mailbox at entrance of driveway. I enclosed my photos to show distance to main gate and office.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To Whom this May Concern : I'm following up on a previous complaint. XXXX and XXXX ( duplicate ). 

A representative, XXXX XXXX, A Resolution Specialist at Regulatory Complaints Bank of America, XXXX, extension XXXX, contacted me on Friday, XX/XX/XXXX at XXXX XXXX. I was unable to take the call at that time, therefore called him the next business day, Monday XXXX shortly after noon EST and left a message. After a week, he still has not returned my call. 

{$7700.00} was drafted from my account due to a bank error. It's been over 10 days and the transaction error has not been corrected. This money needs to be returned to my account immediately. 

Sincerely, XXXX
Consumer complaint received 2020-03-16
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. (CA)

XXXX uses Experian to approve loans in my case for veterinary services. 

XXXX approved a 2 loans, one for {$200.00} and one for  {$60.00}, for my pet XXXX and also withdrew a {$40.00} deposit and a {$12.00} deposit from my bank account. 

I received an email of Adverse Action based on Experian - too many delinquent accounts - I have a 100 % stellar record with no delinquency and other misinformation on my credit report.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have twice written to the chairperson of the Bank of America in XXXX, North Carolina to tell him that because of the coronavirus I am not able at this time to make payments on my debit card, my rewards credit card, and my car loan. I have heard not one single word from him but this afternoon I received a threatening email from a MsXXXX XXXX of the debt collection division of the Bank of America. To repeat, I had written to the chairperson of the Bank of America but the response of the Bank of America is to make demand that I make these payments. There can be no other interpretation of her email because the communication did not come from any banker either in the local branch in XXXX, New Jersey or by the chairman of the board of the Bank of America or any member of his executive staff! 

I now have the right to fear that the Bank of America despite my said request is demanding and will continue to demand these payments that, to repeat, because of the coronavirus I can not at this time pay!
Consumer complaint received 2020-03-22
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)

he Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 

underage with XXXX XXXX XXXX RENTDEBT AUTOMATED COL The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach
Consumer complaint received 2020-03-23
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: Experian Information Solutions Inc. (NY)

This information is in regard to Experian Credit Reporting Agency. 

Credit report # XXXX. 

Experian has continuously and currently been reporting an account that is a result of identity theft, within my credit file. The info is with XXXX XXXX/XX/XX/XXXX. I had filed a police report, I filed an FTC identity theft report, and yet they ( Experian ) have both kept and maintained this information within my report. Several times I asked Experian to remove the account and to verify who opened the account with XXXX XXXX, and to no avail. 

Ive also reached out to XXXX XXXX XXXX. They requested for me to asked me to submit my police report, which I did. Yet the account is still within my credit file at Experian. 

I currently work as XXXX XXXX  in XXXX. So daily I have to restrict my commute by using XXXX/XXXX services due to the exposure of the Coronavirus on public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan. And because of this identity theft account with XXXX XXXX XXXX. As well as the fraudulent acts of Experian Credit Bureau. 

Im facing risk everyday, and the last thing that I should be worrying about is my credit being used fraudulently at Experian Credit Bureau. Experian has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX is reporting incorrectly to Experian a collection/charge-off in the amount of amount of {$6600.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) First, this account is currently coded as an I9 and needs to be coded as an I1, reporting a {$0.00} balance and {$0.00} past due. I was a small business  owner and was lied to and aggressively pursued by a salesman representing XXXX XXXX XXXX. I was told by the leasing agent for the company that I could at any time within ( 3 ) business days void the lease agreement. The lease agreement was signed on XX/XX/2014. One day later, on XX/XX/2014, I faxed the Notice of Cancellation back. ( Please note the date of the fax highlighted on the upper left corner of the Notice of Cancellation. ) This shows that I did cancel the contract well within the ( 3 ) day time frame. Second, please look at the bottom left of the highlighted portion on the Notice of Cancellation. You can clearly see that the date, along with my signature, has been whited-out. This Notice of Cancellation document has been altered to make it appear as though I never signed it. This is further evidence that XXXX XXXX XXXX has not only misrepresented the cancellation policy as outlined, they have manipulated the document. This is fraudulent and therefore the collection/charge-off is completely unsubstantiated. I do not owe any sum of money to XXXX XXXX XXXX. Second, I request that Experian remove this line item from my credit report and/or change the coding to an I1 and accurately report a {$0.00} balance and {$0.00} past due. Also attached is a copy of the multi-million dollar class action lawsuit filed against XXXX XXXX XXXX. This too is further evidence that their illegal practice of duping small business owners was, in fact, illegal and fraudulent. I have tried to contact both XXXX XXXX XXXX and Experian to fix this however, I have not been successful. This false reporting of a collection/charge-off is seriously harming my credit score.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I am writing to request your help. MACYS/DSNB is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX /Date opened XX/XX/XXXX/ Charged off/ Status closed/ Bal {$900.00} This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Consumer complaint received 2020-03-23
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. (NY)

Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Consumer complaint received 2020-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

This is a complaint against the credit agency Experian, directed to the department of special affairs, today, XX/XX/XXXX, XXXX XXXX, being on a call with this department and the agent who answered the call had a disrespectful, rude and used sarcastic words to mock me, I tried to tell her why she had that attitude towards me, and in a rude way she told me that I didn't have to tell her what she should do and that I was very aware of how things are done in her work, she went under threats with me. She told me that this account that you are disputing will never be eliminated until we and the credit agency decide, once she said that I decided to make this complaint because I feel that my identity and my credit is compromised with that agent and that department. The most threatening thing she told me was " we have to treat certain clients rudely, special clients like yourself. '' Never in my life has a credit agency mistreated me, I feel stressed, worried about this incident, in case the credit makes me nervous, this department treats me this way. I just ask that this conversation that I suppose has been recorded is supervised and that they take action on the matter, because I can also take legal action against Experian for damages. Whatever the situation, she did not have to speak to me in that tone and in that way, so disrespectful.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management located at XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX phone number is XXXX XXXX XXXX. I spoke with Midland Credit Management back in XX/XX/XXXX and advised I did not recognize this account. Provide proof so that I can try to settle the account. I advised I was unemployed and may have to file bankruptcy to reorganize my debts. But I don't recognize this bill. I would pay it if I could. 

XX/XX/XXXX, Midland Bank stated the account was included in a bankruptcy and only their bankruptcy department could handle the account. I advised them I hadn't filed a bankruptcy since XXXX. They transferred to me to their bankruptcy department. The bankruptcy department stated they couldn't help me because this account particular account wasn't included in a bankruptcy and the customer service department shouldn't have transferred me. Yet, they couldn't provide information either. This transferring back and forth went on for about 35 minutes until I asked for a supervisor. They kept transferring me and putting me on hold. I was then told I couldn't get verification regarding this account for a month, because of the Cornovirus. They were short staff. I kept insisting on speaking with a supervisor. A gentlemen name XXXX XXXX, identified himself as a supervisor. He advised me to call him back at XXXX on XXXX at XXXX XXXX XXXX x. XXXX and he would be able to provided information regarding this account on XX/XX/XXXX. 

I called back on XX/XX/XXXX @ XXXX. XXXX XXXX XXXX. a specialist for debt consumer support services. took over the call and tried to collect on a XXXX  account that was included in a XXXX chapter XXXX Bankruptcy. I advised the agent I wasn't paying on a XXXX  account that was included in a XXXX bankruptcy. I wanted to settle the account with XXXX XXXX   from XXXX that they keep calling me about. He said he didn't see an account with XXXX XXXX, just the XXXX account and he apologize for the mistake. He notices the account was included in a bankruptcy from XXXX. He transferred to back to the customer services department again. 

Midland credit has no idea what accounts they are collecting for. They have reported accounts on my credit report, that they can't even find or validate. I asked them to stop calling me, especially if you can't verify this account. I have gotten several different stories when I have called to try to pay this bill and it doesn't add up. 

XXXX XXXX identified himself as a supervisor and to call him back at XXXX XXXX XXXX x XXXX. Each time I attempt to call him back the phone number doesn't work. Each time I try to reach him, no one can connect us or knows who he is. YET HE IDENTIFIED HIMSELF AS A SUPERVISOR. 

I WOULD LIKE TO FILE A COMPLAINT AGAINST MIDLAND CREDIT MANAGEMENT. 

XXXX XXXX, account manager. stated Midland Bank can't find the sales receipt stating I own anything. He would send me the papers to dispute the account, yet they have reported it on my credit report.