davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I sent in a police report and FTC letter to the credit bureaus XXXX or XX/XX/XXXX. Capital One was deleted from my report. However, Capital One put the card back on my report. I called Capital One to get an explanation. They said they validated the account was mine. I told Capital One I think a family member stole my Identity and applied for cards in my name and at my address. Capital One said they validated the debt as mine. In XXXX or XX/XX/XXXX I called them back. They told me I had to pay the balance, and that they could not help me. I set up a payment plan because It was affecting my score badly. Capital One would not do a pay for delete after asking. In XXXX or XX/XX/XXXX I called Capital One to get it deleted again. They refused. I called the credit bureaus XX/XX/XXXX to try to get it deleted again, and the credit bureaus told me capital One put a cap on the account to keep me from disputing the information ever again for it to be deleted.
Consumer complaint received 2021-07-16
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-07-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (CA)

In summary, my loan was paid off to the previous lender, but the new lender still demands a monthly payment. The new lender threatened to report a negative record to my credit report. I have to make payment to a closed loan to avoid bad credit impact. 

DETAIL BELOW, The loan was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper at sometime in XXXX or XX/XX/2021. The loan transfer effective date in XXXX XXXX XXXX XXXX 's statement is XX/XX/2021. The loan transfer effective date in Mr. Cooper 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The XXXX XXXX XXXX See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with the money source or Mr cooper. I should pay nothing to Mr. Cooper. Mr Cooper refused to admit the fact and asked me to make the payment. I contacted Mr Cooper weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer, which is XX/XX/XXXX. Mr Cooper doesn't actively contact the XXXX XXXX and refuses to further help me on this matter. 

Now, it is near the 60 days past the transfer date based on Mr. Cooper 's record. The Mr. Cooper threatens to report past due and I have to pay the {$6300.00} to avoid negative credit impact. 

I also contacted The XXXX XXXX on XX/XX/XXXX, they promised to solve the case before XX/XX/XXXX, but an agent called me on XX/XX/XXXX and still couldn't tell me why the case is not solved.
Consumer complaint received 2021-07-16
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. (PA)

Experian and XXXX  are reporting inaccurate information on my credit report. Unfortunately, after months and months of sending letters stating error they still continue to report wrong and misleading information. I have sent letters with evidence, I have called XXXX and they said they dont report payment history so I dont know how the credit bureaus are verifying this information. 
I have sent documentation proving my on-time payments for the past 3yrs. 
XXXX is the account in error Payment History is the section of error Thank You in advance, Best Regards, Mr. XXXX XXXX
Consumer complaint received 2021-07-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I am an XXXX XXXX XXXX Florida veteran who was recently declared 100 % XXXX by the XXXX XXXX and as such, I can apply for a waiver for property taxes on my home, with the exception of a fire tax of {$150.00} per year. I obtained approval of my exemptions from my county tax office and sent in their letter, dated XXXX XXXX XXXX with a request for an adjustment to my mortgage payments. I have made numerous calls to AmeriHome since then, to no avail. My county tax office was kind enough to write a second letter, dated XXXX XXXX XXXX reaffirming my eligibility for a tax waiver. I got a form letter, dated XXXXXXXX XXXX XXXX from AmeriHome stating that my request was forwarded to " the appropriate department for review. '' I made one last call in XXXX asking for an adjustment so that I could avoid making a complaint to a consumer protection agency, which seems to be my best resort at this time. No adjustment, no calls, no letters, no one taking responsibility. I have attached copies of pertinent documents for your review and would appreciate any help that you could give me.
Consumer complaint received 2021-07-17
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: Eastern Account Systems of Connecticut, Inc. (IL)

talked to XXXX  rep from excutive response team XXXX on issue with being charged on acct that does not belong to me and had to pay XXXX to pay it off because it is reporting as collection on my credit report. informed if i pay it will show paid but will not be removed as collection. this acct number XXXX is not my acct and does not belong to me and was to be closed in XXXX of XXXX  as i spoke to XXXX reps multiple times on this. they forced me to pay the acct off due to defaming my character via credit reporting. the issue still persist and want corrtected and all credit reporting in negative manner removed immediately. this is a act of fraud and i was informed that info on this acct was in my name but at another address not my home address and under another telephone number that does not belong to me and paid by credit card that does not belong to me. need this resolved or litigation will follow.
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I have a Venmo account. I have a credit balance of {$10.00} in this Venmo account. I do not have a smart phone and use a flip phone device. Because of this, I do not have access to the Venmo application. I opened my Venmo account online through a computer. At no point during the establishing of my Venmo account over the computer was I advised that I would be able to transfer money out of my Venmo account ONLY by utilizing a smart phone. When I contacted Venmo customer service as I was having difficulty transferring the {$10.00} into my checking account via my stored debit card, I was provided instructions that did not work. I responded to let Venmo 's customer service know the instructions did not work and that I do not have access to their mobile app as I do not have a smart phone. I was advised that there was no other way to receive my {$10.00} balance.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (SC)

XX/XX/XXXX I contacted Synchrony bank in reference to a charge of XXXX on my lowes bill. I found the charge was for a my card security program that I did not enroll in. It was for XXXX of unemployment type of coverage. I explained I had not elected to receive this protection and did not want this protection and informed them that my husband was and is XXXX. If I knew I had the program it would make sense I would have used it. I called back on XX/XX/XXXX after I returned from vacation and called and talked to XXXX and explained the situation again. We discussed that since XX/XX/XXXX I have been enrolled in this program without my knowledge. They are saying that I signed up by checking a box and I am saying that someone would have checked that box for me because this is not something I would have elected to sign up for. In any case, I requested these fees be reimbursed. After being placed on hold for a few minutes XXXX returned and stated I was being given a " courtesy '' reimbursement of {$1.00}, XXXX. Which I disagree with and request the entire {$3100.00} be reimbursed. I did not ask for nor authorize these charges and want them reversed. This is a scam and would have gone on if I hadn't noticed the charge.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NY)

XXXX XXXX received paper mail from XXXX XXXX for bill for {$2600.00} without details in my name. 

I assumed this was sent in error and disregarded. I have never had XXXX XXXX before or made any purchases or opened up any accounts with them XX/XX/2021 received mail from Debt collection agency " Receivables performance '' for collection of {$2600.00} in my name. 

Again disregarded as thought this was sent in error XX/XX/2021 received credit report update from XXXX mobile app that credit score had dropped about XXXX points and notice of a late payment with receivables performance for {$2600.00}. 

XX/XX/2021, called XXXX XXXX  to open fraud investigation and dispute. The representative stated he would escalate matter to higher management and there was concern that someone had opened up account for free phones worth {$2600.00}, and then closed account : appears to have been opened XX/XX/2021, and closed in XX/XX/2021. 

XX/XX/2021, awaiting reply from t mobile, reported fraud to credit agency XXXX
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

NMAC ( Nissan Motors Acceptance Corp ) is the lienholder on my old XXXX XXXX XXXX ( bought new at XXXX XXXX XXXX in XXXX, FL ). 
We traded the vehicle in XX/XX/XXXX ( at XXXX XXXX XXXX in XXXX, FL ), and at the time of the sale the dealer got a 10-Day payoff quote from NMAC for {$6200.00} good until XX/XX/XXXX. ( XXXX loan number XXXX ) XXXX XXXX XXXX completed all the paperwork and send a check to NMAC for {$6200.00}. 

XXXX XXXX still has not received the title for the XXXX XXXX they paid in early XXXX. NMAC told XXXX XXXX that they made a mistake on the account, and did not find out about it until later. So that there is now {$170000.00} owed still on the account. 

We have made several calls to NMAC asking them to release the title. That their mistake is NOT the dealer 's fault, or mine. Or to send me a document that says that I am responsible for their mistakes ; they also decline. I have asked to talk to a supervisor, or to their legal, or consumer protection department ; all declined. Only talked to a " Senior '' collector. 

Please HELP!
Consumer complaint received 2021-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I asked Capital One to assist me with late payments I had over the years with them that have destroyed my credit history completely. When the payments were late, I notified Capital One that I was struggling and the payments were not supppsed to be reported as late. I had to move across the country to care for an ill parent with XXXX and could not find employment. 

I contacted Capital One this year XXXX XXXX ) and they gave me access to a portal to submit a good will letter with details all to turn around and say I dont have accounts with them. This is a total waste of my time. Capital One is a predatory lender, completely unwilling to help those who need help the most. 

Now, when I am trying to start a family of my own, its nearly impossible. I wish Capital One would remove these payments! I havent missed any payments with them since XXXX!
Consumer complaint received 2021-07-16
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. (GA)

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE ONE FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. ONE IN WHICH IS " XXXX XXXX. ''. WHICH IS A VIOLATION ACCORDING TO FCRA XXXX 15.U.S CODE & 1681 ( A ) )!!!!!!!!!!!!! 

WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL XXXX CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH XXXX OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS ILLEGAL TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I am writing to formally dispute certain inquiries listed on my credit report, which I did not authorize. Additionally, I believe that these inquiries are not being reported in compliance with the Metro 2 standards. 

Upon reviewing my recent credit report, I noticed several inquiries that appear to be unauthorized. 

Furthermore, I have concerns that these inquiries are not being reported in accordance with Metro 2 compliance standards. Proper reporting guidelines as per Metro 2 require accurate and complete information regarding the type of inquiry, date, and other pertinent details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX  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.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION (FL)

I been calling XXXX  regarding an account thats reported on my report everytime I work in to a dealership every dealership see it..but whe. I call XXXX  they said its not showing on the file so they need to update so everybody else can see the same thing with them
Consumer complaint received 2021-07-16
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. (MS)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc (MO)

On XX/XX/2021 a validation letter was sent to Con Col Management ( XXXX. XXXX XXXX ), this company never responded with validation. I am requesting complete validation or these items need to immediately be removed from my report. I need ALL DOCUMENTATION REQUESTED. I would like a complete breakdown of all charges and also signed XXXX release with my signature. If this can not be provided I would like this to be removed immediately. Attached is the original request for validation. On the letter shows for each account being requested as well. 

Thank You
Consumer complaint received 2021-07-16
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (TN)

Sequium Asset Solutions has repeatedly called me after I told them I would settle the account. After too many phone calls, I blocked their phone number. I was offered a settle via e-mail on XX/XX/2021. Once, I blocked their phone calls, they decided to report this account to the credit bureaus.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Unsure of exact dates. Account was opened in my name. I have no information on account or have received account information. Was notified by XXXX that there was an open delinquent account. Disputed account but creditor would not resolve, stating that all the information they have on file supports I opened the account.
Consumer complaint received 2021-07-16
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. (MS)

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I

was never given full disclosure in regaurds to the transaction. Speaking on disclosure I was never given a right to rescind this agreement. Violation # 1. After capital one approved my credit card aka my social security number I was entered into a consumer credit transaction. Me being the consumer, I know all transactions start with me and my credit account tied to my social security. I never came for a loan I only gave capital one permission to access my credit and they turn around and furnished deceitful forms to coerce payment which is a violation of 15 USC 1692f ( 8 ), 15 USC 1692j ( A ) FDCPA. They took my social went into my credited account as me, ( identity theft ), then turned around and tried to sell me my own credit. ( fraud ).
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (TX)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.