davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account for CAPITAL ONE AND XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

46.0K
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX is repeatedly reporting inaccurate and late fees, over limit etc on my credit report - They were notified in XXXX that they were included in a XXXX  XXXX Bankruptcy and still send late notices, report inaccurate on my reports-
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX is repeatedly reporting inaccurate and late fees, over limit etc on my credit report - They were notified in XXXX that they were included in a XXXX  XXXX Bankruptcy and still send late notices, report inaccurate on my reports-
Consumer complaint received 2023-05-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX I filed XXXX  XXXX Bankruptcy XXXX XXXX is my only creditor that has not removed me from the debt, reporting inaccuracies stating Im over 90 days late a large balance etc- I have told them to fix this in XXXX its XXXX they are still reporting inaccuracies consistently- XXXX has dropped my score because of this and Experian has dropped my score this is the only card doing this
Consumer complaint received 2023-05-06
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. (GA)

You are in direct violation of the fair credit reporting act XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-05-06
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX have a copy of my bankruptacy petition and the discharge from aboiut two decades ago and thei can't tell me if the amopunts on my credit report are accurate. 

I went with the consolidation under teh Obama Administration and loans were consolidation. I had and have no idea if loans covered by the bankruptacy are removed. 
I am getting no assistance but I know the numbers are likely wrong and I am struggling getting information from teh National Student Loan Database.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America has AGAIN allowed someone to open a checking account in my name. This is the same problem as my previous complaint XXXX. It has happened in XX/XX/22 and XX/XX/22 previously. The product is a " Bank of America Advantage SafeBalance Banking Account ''. My credit is frozen with all three agencies. Last time I fixed this with Bank of America they promised they would not allow this to happen again. The fradulent activity includes the opening of the account and signing up for mobile banking. They also allow this to happen without verifying my email address ( I know because I checked what devices are logged into my gmail account ). 

It is difficult to get ahold of Bank of America because they require a full account number and credentials! Obviously I don't have those. 

I don't really understand the fraudster 's play here, but my wife and I are trying to buy a house and I can't risk any identify theft right now.
Consumer complaint received 2016-01-09
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Immediate Credit Recovery (AZ)

I have been paying in my student loans for years and my taxes have been taken ..I started to question who 's loan this is since I have not been in college since 1989 and I wanted a pay history of all the payments that have been made because I could n't possibly still owe almost $ XXXX dollors still so when I was dealing with them dept of edu and I started questioning the debt all of a sudden I get notice I am with a collection agency and now I cant deal directly with the dept of edu any longer I have to deal with the collection agency
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Applied for credit XX/XX/XXXX with Capital OneReceived creditNoticed fraudulent charges on statementContacted Capital One, filled out fraudulent charge paperwork30 days later, noticed same fraudulent charges remain on statementContacted Capital One again, had fraudulent charge paperwork faxed to me, filled it out again and faxed it back. Paperwork was received and I was told Capital One will investigate. 
60 days later, fraudulent charges still remain on statement. 
Contacted Capital One once more and was asked if I filed a police report ( this is something that should have been told to me from the beginning ). 
As of today, ( XX/XX/XXXX ), fraudulent charges still remain on account, which is in collections and has destroyed my credit, disabling me from purchasing a house.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'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 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (PA)

Chase Freedom credit cards lured me in with a low initial interest rate and now they are charging over 19 percent in interest charges. For consumers like me I've become a debt slave to multiple credit cards because of the now high price. Due to the pandemic and mandates it caused me to lose my better paid employment. Even though I pay my bills on time I am unable to get a personal loan with a lower fixed interest rate. I feel trapped in a now win situation. I contacted the credit card company recently to see if they would lower the astronomical price but the company refused. This situation is infuriating because I am doing the best I can to keep up and I am no longer living as a debt slave.
Consumer complaint received 2022-01-19
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. (MS)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME
Consumer complaint received 2022-02-08
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. (GA)

too whom it may concern. I am submitting this complaint on my own and there is no third party involved in me submitting this complaint. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I have sent numerous letters with a police report and FTC report, and an notarize affidavit to XXXX, and Experian and they have yet to remove the items i stated were fraudulent on my credit report. This is a total violation of the FCRA. I feel they are taking advantage of me and are not doing their jobs. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. It's been months and they have yet to remove these accounts even after i sent a police report and an FTC report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove XXXXXXXX XXXX and XXXX XXXX from my credit report. the following items do not belong to me and is a result of fraud that I did not authorize. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

I have experienced Identity Theft. A thief stole my identity and opened a fraudulent XXXX XXXX XXXX  wireless account in my name ( ph # XXXX and XXXX XXXX XXXX acct # XXXX ) on XX/XX/XXXX. I found out about this theft when I received a call from a collections agency in XX/XX/XXXX who stated I owed them {$290.00} for unpaid charges on behalf of XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and spoke to a XXXX who stated that the address on this account was listed as XXXX XXXX XXXX, XXXX, FL ( where I have never lived ) and that the transaction was conducted in XXXX ( which I don't speak ), along with other details. XXXX led me to believe this issue would be resolved. Instead, as of XX/XX/XXXX, I have discovered that my XXXX score and credit rating has dropped significantly, and XXXX XXXX XXXX XXXX has put me back into collections with a different collections agency. In short, XXXX XXXX XXXX needs to resolve this issue and correct my XXXX score and credit rating!! I already have long-term legitimate wireless accounts with XXXX XXXX XXXX  XXXX along with other expensive services ) and I can't believe this is how they treat a long-time customer.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/XXXX I noticed on the XXXX XXXX XXXX XXXX website that my property tax ( {$4700.00} due XX/XX/XXXX ) had not been paid by my lender ( LoanDepot ) from my escrow account. I contacted the lender multiple times and informed them there was now a late fee of {$470.00} assessed due to their error. I was told they wired funds but the tax collector said they did not. They also said that if they did send the payment- it would be returned if it didnt include the late payment. I wrote a letter or error and sent it certified mail. It has been 12 days and I havent received any response. 

I now see that LoanDepot is increasing our payment by {$500.00} a month for the next year. They state my taxes have gone up {$55.00} a month ( which is approximately the amount of the late fee assessed ) and that there is an escrow shortage ( for some u known reason ). We cant afford an additional {$500.00} a month- especially for their error! Every time I try and chat or call- they disconnect it when I bring up the late fee/their error. I was told to send them a tax sale letter if tax assessor sends me one. I do not feel comfortable with any of this and am fearful their error will cause us to lose our XXXXe.
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc. (AR)

XXXX XXXX has been using " ghost '' collection agencies to continue to harass me for months. XXXX, XXXX XXXX, and Stellar Recovery are in fact XXXX XXXX employees falsely claiming to be collection agents. What they are doing is making an end run around the Fair Credit Reporting Act. Notwithstanding my best efforts XXXX XXXX has yet to provide me with written proof of this debt even after multiple written requests for this information. Stellar Recovery has called my cell phone over XXXX times and has yet to provide me proof of this debt.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have XXXX credit card accounts with Capital One : XXXX ending in XXXX and XXXX ending in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I was n't regularly receiving statements from the company. I did move twice during this time period, but i made sure they were provided the correct contact information. As you can see my payment history prior to that period was stellar and has been since then. I made multiple requests to Capital One to update my reports due to the statement issue to no avail. I have even disputed directly with the bureaus who advise the grantor has closed the dispute, which should not be allowed. I am now requesting your help to have credit reaged. Thank you.
Consumer complaint received 2020-10-06
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-06
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. (CA)

I have made multiple attempts to contact the bureau in order to correct the eroneous items on my credit report. I have either not received a response within 30 days and most recently it has been over 60 days without a response or the items have not been investigated due to the fact the dates did not update. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have not been filed and the bureau refuses to correct or send proof of these accounts belonging on my report. It is not fair that I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.
Consumer complaint received 2020-10-06
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: EQUIFAX, INC. (CA)

I have made multiple attempts to contact the bureau in order to correct inaccuracies on my credit report. Oftentimes I have not received a response within 30 days and most recently it has been over 60 days without a response. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have indeed not been filed and the bureau refuses to correct or send proof of these accounts legitimacy. I am distressed and I am being negatively effected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (TX)

I had a XXXX XXXX month to month membership in XXXX, XXXX ; there Financial Collector was ABC Financial. I had 2 debit cards on file then one was a XXXX XXXX Card. I left the gym in XXXX, XXXX because of being threatened, even though I told the Assistant Manager and left the Manager messages no thing was done they ignored the problem because the perpetrator was their friend. In XXXX, ABC Financial used a XXXX XXXX Card to steal money from my account even after the card was taken out of XXXX XXXX  data base ; they attempted to collect, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. What were they looking for ; they were trying to steal money that wasn't due. Several times they were successful in taking money ; there was time that they took the only money I had for groceries. 

Recently on XX/XX/XXXX, they called me on my cell phone from a scammer number, hung up. I called back because I was looking for someone to call me ; I heard a very loud bong ; a few minutes later my money was taken out of my XXXX XXXX by ABC Financial. Today, XX/XX/XXXX, ABC Financial used another scammer nunmber when I answered I heard a loud bong the same as the last time ; the person was saying I want to talk you about Social Security, I knew that it was time to hang up but I heard the bong  first. Laugh out Loud there was XXXX in my XXXX XXXX. I know they think I am XXXX  enough to keep putting money there for them to take. But this is theft ; the governmental agencies told me to call the police and file a theft charge on them. 

See, they didn't have my new XXXX XXXX Card numbers I just got this one in XXXX, XXXX so how did they get my money, " bong '' they stole it they hacked my phone and stole the money.

I called ABC Financial everytime speaking to different people over an hour asking for my money back nothing moved them. I talked to the people at XXXX  XXXX.
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

My credit report shows that I am responsible for a debt of {$1800.00} for an XXXX from XXXX XXXX XXXX in XXXX, NJ from XXXX. This amount was already paid by my insurance company, XXXX, and I paid the co-pay. There is NO outstanding balance on the account. REMEX is the collection agency that has reported the debt to XXXX.
Consumer complaint received 2020-10-06
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: WELLS FARGO & COMPANY (GA)

Due to Covid-19. I was placed on bed rest. That related in me lost my job and forced me to fall behind on all my bills and all other payments. The following accounts below are effecting my Credit report.

Reported Late and Closed. Account number XXXX Reported Late and Closed. XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. Account number XXXX Reported Late and Closed. XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. Account number XXXX
Consumer complaint received 2015-05-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

I ended up in a financial bind as a single mom with no help or support and no government assistance and ( should have known better ) got a payday loan then title loan through Advance America. I had a XXXX in the family and suffer an illness that has caused me to miss work. I 've asked for leaniency with this company and they call me XXXX times daily while at work, show up at my boyfriends home and leave notes on his door, call my daughters phone XXXX times daily and they have been asked to stop doing all of this. I would gladly work with them and pay my debt if they were n't so intrusive, rude, showing up at my door as I am literally too sick to move and throwing their business card at my child, snapping at her and demanding that she tell me to " call her TODAY ''. My daughter is at school and feels harassed. I feel both humiliated and harassed. My physical illness is worsened with the stress these bills have caused me. I had to do what I had to do to support myself and my child. They were n't the smartest choices but I made them. I 've tried to scramble to come up with solutions but them harassing me is slowing down that process. If they show back up at anyone 's home ( because they are not professional nor do they follow privacy laws ) again I will remove them from my property myself.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (TN)

I have recieved from Credence Resource Management LLC a bill for  XXXX  XXXX  in the Amount of {$230.00}, repeatedly this past week, I have recieved phone calls to either have " discount payments '' or to have it " auto debited from my account '' " this way, " THERE WOULD BE NO CREDIT REPORTING BECAUSE IT IS DUE NOW TO BE ON YOUR CREDIT REPORT ''. I set up a {$20.00} a month payment, I am on Government XXXX and have other payments to make then their Royal Majesty 's aforesaid. This little bill better NOT go on my credit report or I will sue the living snot out of these people. The Phone calls and the Credit Report Damage Threats need to come to a grinding halt. I have kept my end of the bargain. Mam or Sir, As Uncle XXXX pays me, I will pay Credence/XXXX XXXX XXXX XXXX. Any further problems, I want a Lawyer!!!