davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-19
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: Experian Information Solutions Inc. (CA)

I have been disputing this debt for months and they have not verified the debt properly, this debt is not mine and I asked for verification of the debt making sure that the debt is mine, I was contacted by a company by mail. XXXX XXXX, the debt was originated at XXXX XXXX XXXX XXXX XXXX in the year XXXX. That company sold the debt to a collection company, which is malicious and unethical business tactic. The company submitted documents that does not prove that the debt belongs to me.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A week ago, I started a payment to Capital One through my bank. XXXX  I get a message saying my payment is late and I got a {$29.00} late fee accessed. This made me look into the payment, that's when I saw that it was " still pending '' in my bank account in some sort of glitch. I called Capital One to find out what was happening and what to do next. I spoke with XXXX customer service people and XXXX supervisors without any resolution. They did release the late fee, however, my payments have gone from {$31.00} a month to now {$98.00} a month because of this! Is this even legal for them to raise my monthly amount to 3 times what my monthly payment was??? Now I've been " threatened '' with all of this going on my credit report!!! Over 8 years of loyalty and NOT ONE MISSED PAYMENT!!! I'm XXXX over this!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX my bank withdraw {$2100.00} from my personal bank account for payment for my business account credit card. They told me it was a offset payment and there nothing I can do to get my money back. I never authorized this payment and never agreement to such proceedings. I added the money to pay rent and living expenses for the month.
Consumer complaint received 2018-05-19
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: Experian Information Solutions Inc. (FL)

By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX XXXX XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt. 
The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, XXXX and XXXX, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question. 
They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt.

Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Ohio XXXX and XXXX dependences on Experian as identity verifier. A Rep tried 1 1/2 hrs with me over phone earlier today and failed to verify my identity, which exactly matches my own separate personal similar experience with attempt to verify myself for more than a year XXXX XXXX - an experience shared repeatedly via my previous phone conversation and emails. 

In fact Experian 's failure to protect us from data breach is focus of a recent article my security expert, XXXX XXXX : https : XXXX Thank you for making Experian accountable XXXX 
XXXX.
Consumer complaint received 2023-04-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/2022 & XXXX XXXX Date of XXXX XX/XX/2022.
Consumer complaint received 2024-01-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (GA)

Hello, Unfortunately I had a massive XXXX  XXXX  in late XX/XX/year>. I called US Bank Mortgage and requested a forbearance due to XXXX  issues that caused me to leave the workforce. I also lost my brother and mother in 2023 and had to assist in the funeral expenses. When I initially spoke to US Bank in XXXX they offered a quick 3 month deferment and explicitly informed me that my credit would not be reporting as delinquent due to the hardship. I even spoke to them in subsequent follow ups and was assured that my mortgage payments would not be reported as late. However, now that I am back in the workforce and in better health and want to get caught up on my mortgage payments -- they did exactly the opposite of what was prior informed to me and began reporting my mortgage as 90 days late. They tried to say they did mail me some documents stating that my credit would be impacted but then failed to prove that anything was certifiably sent. I am currently interviewing for a much higher paying position at a new organization ; but since this is a financial position -- I have been told that my credit is not sufficient for them.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NM)

I complained about the same situation a couple of years ago. Ocwen sent fictitious records which they will probably do again. I have a mortgage being serviced by Ocwen. I have been dealing with this issue since XXXX. I have been harrassed, threatened foreclosure, They stated I owed them XXXX dollars at one point then I got an attorney and they stated less just three weeks ago they said I owed them XXXX, A week later XXXX. This week we are at XXXX. My lawyer was costing more than the equity so I dropped them and I am back to square one. Bad credit, stress and unable to obtain financial peace of mind. I had the loan originaly serviced by Indymac even though it was the same company it changed to OCWEN. Indymac had sold my loan while having errors. I disputed the errors to OCWEN. I asked them to respect RESPA but to know available remedy. OCWEN does not have a representative to talk to each representative regergetated the amount shown on their computer and when fees where assessed I had no other remedy other than to complain or pay the ballooned balance and eroneous fees or suffer the consequences. Since I am writing this, It can be assumed that I chose to suffer the stress, humilation and embarassment of being chastised by my work as OCWEN called or by being harrassed by the representative. OCWEN upon assuming the loan also began to charge me exessive amounts on my escrow account. They have now stopped accepting my payments as they have done before. They have returned three payments that happened to be the only payments that I have missed during this tenure. I offered them a settlement of XXXX. They accepted however they stated that the loan must be paid off by XXXX/XXXX/XXXX. I obtained a loan from XXXX I explained that it was a settlement and they agreed to work fast. The loan was ready to go all they needed the bank to say was this was a settlement and the loan will be considered paid in full. Every phone call to OCWEN from XXXX XXXX repeatedly stopped the loan by telling the processor that it was a short sale and that the home was in foreclusore. Each time I called the representative they stated that it is not so that it was a settlement. XXXX XXXX attempted to contact OCWEN with the same results that I have had for 9 years. Different representatives and unable to confirm that the property was not in foreclosure or short sale. After the date expired I recieved a letter explaining that they had offered a short sale. Even though I am the original owner who they were offering the settlement to.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (TX)

I paid 2 utility bills, XXXX and XXXX, in XXXX using an AmEx gift card. Tried to do again in XXXX and both declined, over and over again. Have spoken with both XXXX and XXXX and neither understand why declined- no issues on their end. Have called AmEx gift card customer service multiple times and can't get a straight answer, and always from someone in another country. 
Last attempt asked for supervisor, was transferred and told speaking with super. He spoke very broken XXXX. Couldn't get acceptable answer from him. When I asked him what security issues I'm missing, he wouldn't tell me. I had tried both vendors online and was declined. When speaking with the vendors, they tried to input info manually and still declined. 
No one can tell me why it worked in XXXX but not in XXXX. 
I asked the last AmEx gift card person I spoke with to transfer me to a supervisor in the US and he wouldn't I was told there was no one available. At that point, I have to admit, I responded to him in a not very polite manor. 
My card was a " 10 year anniversary '' gift from my company for being there 10 years. What's the point if I can't us it the way I want to. Worthless. They got $ from the boss for 6 of these 10 yr anniversary cards and in actuality they are worthless.
Consumer complaint received 2023-11-16
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. (MD)

In accordance with the Fair Credit Reporting act. The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 
XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX : XXXX 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 an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (TX)

We noticed a new inquire on our XXXX credit report by NFCU ( Navy Federal Credit Union ) on XX/XX/XXXX. We contacted a customer service person from there credit card investigations team to investigate the issue as fraud because I did not submit an application for an online consumer loan. This was done during the same time periods as XXXX and XXXX in which are both under review currently as well. The NFCU person over the phone advised me to submit an online Declaration of forgery form, which we did and nothing happened. No one ever contacted us back or sent us a follow up email/confirmation of the submission. I called in on XX/XX/XXXX for a follow up and no one had any record of my submission and advised I submit a new declaration which we did. We followed up on the XXXX and NFCU replied by saying the information submitted was true and no further action was needed. I believe this submission to be a case to be fraud and believe the incident was handled poorly by NFCU and am requesting NFCU to remove the falsely reported loan inquire/information from my credit report. 

Thank you Warmest Regards. 
XXXX XXXX XXXX
Consumer complaint received 2018-05-19
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: EQUIFAX, INC. (FL)

By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX XXXX XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt.

The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, XXXX and Equifax, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question.

They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt.

Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.
Consumer complaint received 2024-01-22
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CA)

I'm so tired of this card company! I keep calling letting them know that multiple transactions are happening on my card and I need to dispute them cancel my card and get a new card I was just told on Friday that I'm not eligible to request a new card nor can I dispute things with them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX 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 2023-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ASSOCIATED BANC-CORP ()

I set up an account with Associated Bank  in XXXX WI. After I decided that the XXXX was where I intended to retire. This was in XXXX. I chose them because of their international banking abilities. They first stopped my Banking ability because I didn't have a US address. I gave them a US address in XXXX, California XXXX. The account was reactivated and was good for a few weeks. On XXXX XXXX they stopped my account and told me that they were sending the balance to my address in the Philippines XXXX This account ( my Social Security Check is what I live on. I have no other means of support. I must have this direct deposit from Social Security.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc. (CA)

I bought a brand new Tesla XXXX XXXX XXXX back on XX/XX/2023 and put down XXXX XXXX  for the XXXX loan done through Tesla app. However, I just noticed that it's only showing that I only put down {$10000.00} with a monthly payment of {$550.00}. The remaining {$4700.00} is missing is not reflected on the loan or the monthly payment.
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADESA CORPORATION (VA)

On Thursday XXXX XX/XX/XXXX, my car was repossessed while I was at work. The vehicle I bought is a XXXX XXXX XXXX. I bought the car cash from a private seller with a clean title that was given to me and taken to the DMV. The DMV issued me a new title. There were no liens on the title of the vehicle. The previous owner also confirmed he did not have any liens on the title for the vehicle. That day XXXX XXXX XXXX XXXX XXXX  were ordered to repossess my vehicle by their client Par North America and that the bank where the loan was from is XXXX XXXX XXXX. I reached out to both client and lender/bank and explained I bought this vehicle from a private seller for {$12000.00} cash with no liens from myself and there were no issues with the title which the DMV should not have issued me a new title if there was liens on that vehicle. They both said they are investigating the issue however I can not seem to get an answer as to why I am the one having to go through all this inconvenience and having my car repossessed along with the DMV issuing me a title for it if there was actual liens or issues with the title. I sent over the title the DMV gave me showing proof of ownership of the vehicle. The registration in the vehicle that XXXX XXXX XXXX XXXX XXXX found also shows my full name and address showing proof of ownership.