davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one bank has three inquiries that are not open accounts on my credit report and Ive asked him several times to remove them because I dont know how they got there but they are not helpful and they are not trying to help me remove it and I need them removed. The Capital One inquiries are from these three different dates XXXX, XXXX XXXX/ XX/XX/XXXXXXXX  / XX/XX/XXXX. Those three inquiries are not open accounts. I need those removed immediately. It is putting a huge effect on my credit score. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX  XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from Experian. I am being harrassed and it's too much. Please help me.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a copy of the letter than my husband XXXX, and I, mailed to the credit bureaus on XX/XX/XXXX. The bureaus are supposed to investigate the accounts we listed, and respond within 30 days. XXXX  DID respond, but Equifax and XXXX XXXX have not.
Consumer complaint received 2017-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (PA)

We were paying the mortgage by phone because there were no branches in the vicinity. There was a {$19.00} dollar phone fee which we never knew about until after six months therefore we were contacted by mail telling us we were behind in our mortgage and late charges and home inspection fees started to mount up. Whenever we tried to call them we were either hung up on or put on hold forever. Furthermore, they told us to apply for a loan modification, not only once but three times. They told us papers were missing, which we sent by certified mail and continued to get the run around. We have paid the mortgage for twenty three years between four different lenders. XXXX XXXX XXXX before transferring our mortgage to Nation Star told us our payments would be lowered and Nation Star never acknowledged it. When we could n't rectify the situation, we stopped paying the mortgage. We are currently going through the foreclosure review process.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (WI)

I have paid my mortgage down to 78 % and they will not drop my PMI without me paying XXXX for an appraisal. I was told if I paid down 20 % XXXX my PMI would be dropped no one mentioned an appraisal or me having to pay for it. Now they tell me no I have to pay until 2021 before my PMI is dropped. I have over paid each month over 350.00 to get this down. Now I am at 78 % XXXX so I want my PMI dropped. This could be monies used to pay down my house even faster. Bmo Harris said if I paid XXXX for an appraisal they will drop my PMI, why am I being punished for paying sooner. I do n't think this is fair. I was also told if I refinanced at the tune of XXXX they could drop my PMI. They have never said anything about if the appraisal does n't come back with enough value. I am not worried but that should be told to me as I could pay for an appraisal and still have to pay PMI. I feel this is shady.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is really frustrating, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and disregarded. As a consumer, I know I have rights and that very right is being violated with what you guys are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively, it's stressing me out.
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (LA)

I checked my credit report in XX/XX/XXXX. I saw a from XXXX  XXXX saying it was owed to a company name speedy cash in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXX certified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (VA)

I purchased a {$500.00} One XXXX XXXX gift card from XXXX 's on XX/XX/XXXX. I used the card online for purchases totalling approximately {$66.00}. When I was unable to check the balance on the card a few days later, I was told by customer service that a hold had been placed on the card and that I needed to send a copy of my receipt, driver 's license and prepaid card. 

When I was able to check the balance the following day, I discovered approximately {$200.00} of unauthorized charges had been placed on the card. Other charges were pending. I then filed a dispute claim with Incomm on XX/XX/XXXX. After a request for an update, on XX/XX/XXXX Incomm stated that " merchant denied refund. Reattempting refund from merchant. Response can take up to 30 days. '' This is the only update I have received from Incomm despite sending two recent emails requesting information. The only information provided by customer service is to " check back in 24-48 hours. '' When I asked if I could access the card to see exactly what transactions had been made, I was told the card was inactive. 

At this point I am worried this claim may never be settled and I may not get any of my money back.
Consumer complaint received 2017-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (IN)

FINAL NOTICE TO CEASE AND DESIST COLLECTING ON BP CORPORATE M/C AND XXXX XXXX ACCOUNTS, FOR THEY BOTH INCLUDED BANKRUPTCY AND SO IS HUNTER-WARFIELD, SEE ATTACHED. 

THERE IS AN ACTIVE AUTOMATIC STAY IN PLACE AND IS VIOLATING THE DODD-FRANK ACT ALONG STATE AND FEDERAL COLLECTION CALLS TO MY CELL NO OVER XXXX TIMES AFTER ORDER. 

XXXX COUNTS OF FDCPA AND FCRA INFRACTIONS.
Consumer complaint received 2017-11-07
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. (SC)

I have contacted TransUnion several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (FL)

I submitted dispute letters to Experian, Transunion, and Equifax on XXXX/XXXX/XXXX regarding collections accts that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items I disputed.
Consumer complaint received 2020-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (DE)

I have disputed this account do to the many inaccuracies contained in its reporting. in my disputes I have repeatedly asked EOS CCA to stop calling my work! They continue to disregard my many written and spoken attempts at having them stop contacting me by telephone and for once to provide me with written notification about what this is for! They still haven't mailed me anything but on XXXX XXXX  before I left work, guess who called! EOS CCA and one of their wonderful and charming agents! Who threatened me with legal action if I wanted to receive something by mail, the smart XXXX! well, since they keep violating my rights and disregarding my requests, I assume you people have some authority over this!
Consumer complaint received 2020-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (DE)

A few months ago I checked my credit and found this account reported. I have no idea who Trident Asset Management is, nor have they ever contacted me! I have repeatedly asked them to verify the debt, and have disputed it with both them and the credit bureaus, yet the account remains, and they still have not sent me anything or ever contacted me! I don't know what a Trident Asset Management is or why they are on my credit!
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX from USAA XXXX from USAA XXXX from USAA call I have No hands to answer USAA is aware of my disability USAA gives ME NO ACCESS ON LINE OR BY PHONE USAA can not verify me a member of 35 years THIS IDENINITY THEFT WAS REPORTED TO THEM XX/XX/2018 UNRESOLVED AND SENT TO COLLECTIONS LOWERING MY CREDIT SCORE 93 POINTS THIS HAS DESTROYED MY FI NANCES AND NOW HAS DESTROYED MY HEALTH I REFUSE TO CONTINUE Please tell XXXX from USAA IDENINITY THEFT DEPT ... .. HE IS ( 2 ) TWO YEARS *** TOO LATE AND STOP HARRASSING ME USAA HAS HARRASSED ME TWO YEARS SENDING ME TO COLLECTIONS XXXX YEAR OLD 35 YEAR MEMBER IS OUT I WILL NOT DIE FOR USAA
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

The American Automobile Acceptance Corporation ( AAAC ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the American Automobile Acceptance Corporation have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the AAAC is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, AAACs four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (NY)

About 18 months ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. The most recent issue is a TD BANK calling my sick mother asking for me to pay for a debt i gave my all too and still ended up falling behind and closing 9 months ago.
Consumer complaint received 2020-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (NE)

I have had an Amazon account for many years. In XX/XX/XXXX I signed up for Amazon Prime and the monthly fee was charged to my preferred method, that being my MasterCard Number. Then, in XX/XX/XXXX I signed up for the Amazon Store Card while I was in the midst of a purchase. It told me that it would be making my Amazon Store Card my default method of payment. As I did not want that my default payment, I changed my default back to my MasterCard. All of my purchases started going to my MasterCard as expected. Then on XX/XX/XXXX I see an email from Synchrony Bank telling me that I missed a payment on my Amazon Store Card. There should have not been a balance due as I changed my default payment back to my MasterCard. Unfortunately, when I changed the default back to MasterCard, unbeknownst to me, Amazon billed my Amazon Prime fees for the month of XX/XX/XXXXand XX/XX/XXXX to the Amazon Store Card even after I changed my default setting. As you can see in the attached screen shot, it clearly states that the default payment method will also apply to other digital purchases, but they failed to apply it to my Amazon Prime fees. I now have late payment notices to an otherwise unblemished, 100 % clean credit score because of this. Amazon needs to write a letter to each of the credit reporting agencies and to me explaining these late payments are not my fault and that these marks are to be expunged from my record. I have already talked to Synchrony Bank and the reimbursed the left fee and the finance charges. Now, Amazon needs to do their part. They also need to fix their system to properly notify their customer 's what the default payment does and does not apply to. I have also noticed that the default payment method does not effect each individual shipping address a person has. Each address appears to get tied to a different default payment method, but this is not disclosed when reviewing your wallet information on either the app or the site. This too is misleading. While they can claim Synchrony bank was sending me emails, I do not open emails unless I know I have a revolving balance with a specific creditor. As I was not aware Amazon was billing Amazon Prime fees to the Amazon Store card, as far as I  was concerned Synchrony was sending me marketing emails that I was not interested in and did not want to spend the time opening them. I have since closed my Amazon XX/XX/XXXXStore account to prevent this from  happening again.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

Barclays has send a decision letter and their conclusions are not accurate. I tried calling XXXX in the President 's Office several times and did not hear back. So I did not have the opportunity to clarify his misunderstanding of the facts. There were two cards on my account. The fact is that my mom was an authorized user and had her own card when she was in New York. I was NOT in XXXX. I was home in XXXX, Fl. Our evidence and documentation clearly shows that my Mom left on XXXX XXXX, 2022 and charges were made after she left XXXX. The fraudulent charges were made in New York when my MOM was back home in Florida. Mom lost her card in XXXX and didn't know she had lost it. We were not aware of the fraudulent charges until we received a payment late notice from Barclays. We NEVER miss payments and always pay off our balances in full for ALL of our credit cards. She did NOT have her card in her possession when we filed the initial fraud claim because she lost it in XXXX. I was at home in XXXX, FL and did have my card but had not and did not use it. We did NOT make the charges as originally listed in the fraud claim.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

This account was opened fraudulently as a result of identity theft i have asked that the 2 accounts at fifth third be closed and any information associated with these account be removed from my credit files. The company Insists I made these charges because someone made a cash advance at a bank using my ID an SS number which was stolen from the wallet I lost months prior and was used to open the accounts with fifth third in the first place which they don't seem to understand. I have filed an identity theft report with the federal trade commission and including an advidaft of Identity theft with this complaint. I have also submitted this document to the major credit bureaus and reported the identity theft aswell i did not open these accounts and will not stop till my good name is cleared.
Consumer complaint received 2019-10-17
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I need your help for one more time. 

Currently Bank of America is reporting to all Credit Bureau my VISA  and MASTER credit card as account closed with close status DEROGATORY since i had unpaid balance on it. 

Now I have paid in full due amount of {$9600.00} on XXXX-18 to my VISA a/c # XXXX XXXX XXXX XXXX and also settled and paid {$22000.00} on XXXX-18 to  XXXX XXXX XXXX XXXX ( authorized agent of BOA ) for my MASTER card a/c # XXXX XXXX XXXX XXXX. My both account should have XXXX balance now. 

My only request is to report/show close status as CLOSED rather than DEROGATORY. 

I would appreciate your help in this regard ...
Consumer complaint received 2018-08-31
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 have checked my report thru the monitoring service and see several items that are NOT MINE and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information off of my report being from reading here this is damaging my scores and I want it removed from my credit report being I know nothing about these items
Consumer complaint received 2023-07-24
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. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-24
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)

These companies are in violation of 18 U.S. Code 1028A. Also, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!