davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

The credit card company comenity bank issued a card for a store called XXXX. XXXX went bankrupt, I can no longer use the card, I seem to be no longer issued credit, so when I make a payment it isnt helping my pay down balance. How can a store close with a bankruptcy and still hold us responsible for the bill? And even if we still are why is the balance on my card going down, but available credit is still zero? Its messing up my credit score
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One closed my credit card account on XX/XX/2019 after my card was paid in full by XXXX XXXX on XX/XX/2019 for the transactions of {$1000.00} and {$100.00}. In XXXX they claimed the reason for closing my account was because they could not verify my identity. But My complaint against capital one is that my account was in the positive when capital closed it but on XX/XX/XXXX capital one fraudulent reported to the XXXX bureaus on XX/XX/XXXX that my account was closed was XXXX  days passed due for {$2.00} causing my XXXX XXXX to drop XXXX points. even though capital one reported the account positively and accurately for XXXX, XXXX, XXXX and XXXX they fraudulent reported to the XXXX  bureaus that they closed the account in XXXX. I contacted capital one about misleading the XXXX   bureaus and reporting in accurate information about this account and to remove the past due reporting especially since the account was never past due when they closed it but they have ignored my requests
Consumer complaint received 2020-10-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is in regard to a charge off account they are claiming and I asked them to validate that this account is in fact mine bearing my signature. They have never responded. It has been a while.
Consumer complaint received 2019-07-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (FL)

We filed for assistance during hurricane Irma XX/XX/XXXX through our mortgage company Home Point Financial. We were granted a forbearance period and a loan modification with a lower payments. Our payments start XX/XX/XXXX to be paid {$990.00}. During this time the company then had a servicer change delaying the process and basically making it impossible to communicate with the correct person. We continue to call and leave voice mail messages for XXXX XXXX which was supposed to be assigned to our case. We never received any call back and he eventually no longer was employed for the company. During this time and currently my credit was and is being reported negatively as not being paid as agreed. We were and are continuing to make the agreed upon payments by phone and attempting to communicate with the mortgage company, but seem to be getting different information and no written information in the mail regarding our loan and current/correct payments. Our contract that we signed only states the {$990.00}. 
Today, XX/XX/XXXX we are being told that we have not been paying the correct amount which has never been disclosed to us as we call and pay it monthly. We call at least once a month to find the status of our modification only to be told that we will receive a call back never to receive a call back. We are being told we have to pay a balance of over {$1700.00} to make our account current. It has been disclosed to us that there are thousands of consumer affected. We are being told our new payment is higher than our previous mortgage payment we requested assistance in paying.
Consumer complaint received 2019-07-07
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: EQUIFAX, INC. (TX)

Equifax continues to report nonsense on my credit report. I have repeatedly sent letters verifying and indicating that the information they are reporting is inaccurate and needs to be removed. They remove it for a month and then place it back on my credit report. I am taking them to court in small claims court I have documentation to prove so. This is becoming ridiculous I have been dealing with them for a year now.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (MD)

I called the number that was in the letter, The telephone answering services has no options to speak to rep. There was no programmed option to cancel the card. However I spoke the option of cancelling and the card was closed. 

However this credit card was opened without my consent.
Consumer complaint received 2019-07-07
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. (NC)

I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX XX/XX/2018 XXXX Card XXXX, XXXX  Card XX/XX/2018, XXXX  Card XX/XX/2018 XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX, I sent Equifax a copy of my passport and social security card with a letter asking them to update my report and remove any misspellings of my name and incorrect addresses. On XX/XX/XXXX I realized I didn't include all required documentation, so I resent the information again this time including my utility bill to verify my address via certified mail. They mailed me a response stating what I knew about the initial mailing request 1st attempt, I needed to provide verification of my address. I already had a new letter/docs on the way. I opened a dispute on Equifax website XX/XX/XXXX which did get resolved but I had to find out via XXXX XXXX online. Equifax dispute website would never allow me to check it after verifying my information. Equifax asks if you want results delivered online, I answered yes on both disputes I'm stating in this complaint. I then opened another dispute on XX/XX/XXXX and Equifax sent me emails alerting me that i can check the status by providing my personal information. Everytime since the first dispute opened on XX/XX/XXXX I can not access the system. The website asks you to call into XXXX and a CSR can help you access it. I called 2 times and spoke with 2 different Csrs and 2 different supervisors. For them all to tell me the same exact run around dead end storyline. They asked me the same identity questions that their website asks and info from my credit report to verify. I'm literally verifying correct info based from the free credit report they sent me via mail on XX/XX/XXXX. And they verified/confirmed my identity documents that I mailed on XX/XX/XXXX as recieved. And still tells me they can not access my credit file. So I am forced to spend money utilizing the USPS certified system anytime I need to communicate errors or ask questions about my report. This is not ethical and pretty discriminatory to single me out for whatever reason as I can not access my files as any other consumer would have this luxury or amenity. My issue is not about having to recieve a hard copy of the resolutions of my disputes within 30 days. But the fact that I have to spend money mailing the disputes and can not know the status of them when they're the ones emailing me letting me know I can check online as they're updating or completing them. And then their site asks me to call in and rectify the issue and I'm given a run around as if I'm not the person that I said I am and shown to be. When I've literally provided all factual resources they've requested.
Consumer complaint received 2019-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

OnXX/XX/2018 I sent a postal money order in the amount of {$380.00} for the full satisfaction of the claim related to a retail installment contract. Chrysler Capital accepted my money order yet still demands payments. I have attempted on multiple occasions to resolve my dispute but have only been told to keep paying. I can not call to get in touch with anyone as my account is blocked and they ignore my mailings. I have paid every month out of fear that if I don't they will attempt to repossess my vehicle, take legal action on a non existing and alleged debt, or turn my account over to a collections account in an attempt to harass me. To this date Chrysler Capital owned by Santander Consumer Use , Inc. under the direction of XXXX XXXX continue to demand payments from me.
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants or DCI is a third-party debt collection agency based in Florida. Wanting to collect on a false claim of a bill from XXXX XXXX XXXX. 
Phone numbers used are : XXXX, XXXX, XXXX, XXXX Calls daily. last call XX/XX/2019 at XXXX. other : XXXX at XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX and more
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (MS)

This company continues to contact me about debt they claim that I owe to XXXX XXXX. After numerous conversations and calls I have 2 different reference # s from XXXX XXXX stating I do not owe them money and my account is closed and in good standing. The error was on their part as they credited it to the wrong account. XXXX XXXX also stated that the creditors contacting me are not agencies that they work with and have never heard of them. They feel some of these companies are fraudulent. 

XXXX XXXX reference # 's stating that my account is in good standing with a zero balance XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX
Consumer complaint received 2020-01-18
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: Bread Financial Holdings, Inc. (IL)

I was contacted by XXXX credit card ( Comenity ) about possible fraud on my card in XXXX. I called them, and told them I had not made the charge, didn't know who the company was, and had not received anything from that company. The girl I spoke to told me it couldn't be fraud, it was a recurring charge, and therefore I had to have given them my number. She told me I would have to cancel the billing with the company myself. That seemed unlikely to me, but I tried. The Company 's phone number is never answered, you don't get a valid signal, and I emailed three times but they never responded. This month I saw that the company had charged me again, in spite of all the emails, and still didn't send me anything. I called Comenity again, and they still said they couldn't help me, the only way that the company could have gotten the credit card number was from my giving it to them. I asked them to try the phone number, but they wouldn't, and I offered to forward the emails, but she didn't want them. She told me the only thing I could do would be to close the account, so I did. But Comenity will still be billing me for those charges.
Consumer complaint received 2020-01-17
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. (CA)

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN A CAR LOAN ( XXXX XXXX XXXX XXXX UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THIS CAR LOAN, AND THEREFORE REQUEST THAT CREDITOR TAKES ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILES.
Consumer complaint received 2019-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I was XXXX  on XX/XX/2017the state of Nj thru VCCO ( victim comp. Fund ) paid all the medical bills they rec authorization to obtain and pay all bills associated to the matter this bill that is now in collections 2years later was also part of that matter.
Consumer complaint received 2020-01-18
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. (FL)

Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX Bank 's customer service representative who explained that XXXX XXXX Bank had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX XXXX failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-18
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)

see attach FTC violations XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX could not add all accounts on FTC maybe more to come
Consumer complaint received 2020-01-18
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. (TN)

I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX, I contacted Equifax to unfreeze my account. They offered fax or mail to send documents to unfreeze my account. 

I faxed the number they provided XXXX XXXX XXXX XXXX, on XX/XX/XXXX, which included a copy of my drivers license, social security card, and a cover letter requesting my account to be unfrozen. I followed up on XX/XX/XXXX Or XXXX via phone call, and my documents had not been received or processed. I faxed again on XX/XX/XXXX to the same Number. 

I have received no notification via mail that my account is unfrozen. 

I called again today, XX/XX/XXXX, and was told my documents are not uploaded. 

At this point I have lost faith in faxing or mailing to equifax.
Consumer complaint received 2020-01-17
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. (TX)

I logged into my Experian account today to obtain a copy of my 3 bureau credit report. I saw a lot of information on there that does not belong to me. Information I have no knowledge from where it came from. I don't know any of these companies and i have never received any form of goods or services from them. My personal information was used without my permission or knowledge. I am a victim of identity theft and I am taking steps to protect my identity and prevent this from happening again by filing this police report. This is the fraudulent information listen in my credit report ; It ranges from Fraudulent Closed Accounts to Fraudulent Collection Account, Fraudulent Inquiries and Fraudulent Addresses : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion credit report on inquiry. I call their phone number and got a rep. The rep was rude and wouldnt give me a name. I wanted to dispute 15 different credit inquiries that I had nothing to do with and she told me that they are mine and that I just need to ride it out. I am mad beyond belief at the moment. I asked to speak with a supervisor and was told basically that wasnt going to happen. I need this stuff gone as to I didnt inquire about these credit cards or loans.all of this happened on XX/XX/2020 and I keep seeing more pop up on my TransUnion credit report this is stupid. Please help.The following is a list of the credit inquiries. 
XXXX. 
XXXX, IN. 
XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX