davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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)

XXXX has placed 5 accounts with different balances with account numbers XXXX, XXXX, XXXX, XXXX & XXXX. I never gave them any permission to open 5 accounts under my name. These accounts are duplicates and are fraudulent. They also reported them to my credit showing XX/XX/XXXXXXXX dollars in debt. I was on vacation at this resort, but I did not engage in opening 5 accounts with them. The salesperson gave me some free gifts and told me to think about it. Later that day I told him I do not want any membership or credit accounts. I later found out that the representative opened 5 accounts under my name. I called the company to dispute the accounts which they said where under investigation. I also checked and called the salesperson to find out he was fired. The company told me they can help reduce the monthly fees but will not cancel. This is fraud. I did not open these accounts, and under these conditions I have been scammed. This company needs to be investigated and prosecuted for scamming people. I've also requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Ive had no responses. Ive sent out requests to Experian as well into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I submitted an investigation in the account XXXX XXXX XXXX is reporting on my credit reports that were previously removed by due to being inaccurate and not verified. Once again, the company did not provide verification as requested in complaint and it has been passed 30 days, the debt is inaccurate. Furthermore, On the last page of the statement sent it states " This account summary has been prepared by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. It is not a credit card or other account statement from the original creditor. This agency is fabricating its own statements. This account is inaccurate for the balance reporting is to the credit bureaus is {$550.00} but, on this statement, it says {$550.00}. Also, the statement shows that he last payment in the amount of {$380.00} was received on XX/XX/XXXX but the date of last activity is blank. 

XXXX XXXX XXXX is the company name that show on my credit reports but there are operating under a company called XXXX XXXX XXXX to resolved issues and therefore contact information is not correct. Never authorized company to handle any unknown accounts in my name. The account was previously removed by XXXX XXXX XXXX due to being inaccurate and unverifiable that now this company is trying to collect. 

This account is having not been verified and I also pointed out some inaccuracies with information that the company is reporting that doesnt belong to my report in the first place. I have attached my letter sent to the company on XX/XX/XXXX and their response. 
I am demanding removal of accounts from my credit report and any of my personal information purged from your system and to never be used again. I am demanding {$2000.00} per account you have illegally reported and purposely refused to resolve and verify in your last investigation mailed to my address on this letter via check. 

Please be aware, I am maintaining a careful record of my communications with you and dependent upon your prompt response and full compliance to resolution, I will be detailing any potential issues with your company via an online public press release, including complaint due Failure to respond satisfactorily within seven ( 7 ) days of receipt of this certified letter may result in more intensive actions against your institution for willful neglect to the leaders listed below : Cc : Head of Federal Deposit Insurance Corporation., Mrs. XXXX XXXX Cc : Head of Office of Comptroller of The Currency., Mr. XXXX XXXX Cc : Head of Federal Trade Commission. , Mrs. XXXX XXXX Cc : Head of Consumer Financial Protection Bureau. , Mr. XXXX XXXX Cc : Head of US Attorney Generals Office. , Mr. XXXX XXXX Cc : Head of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS, XXXX
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

capital one XXXX [ 18 months never late ] 900 payments blocked v different name on s s a card XXXX XXXX XXXX [ XX/XX/2017 [ XXXX ] total 986 credit breach elder abuse s s a fraud my payment XXXX and XXXX and XXXX claim on file XXXX and XXXX and XXXX all claim on file document sent and still not corrected abuse by family. i am XXXX victim of abuse my di decreased each transfer i am discovering new tactics of fraud. please helping thank you. at present they have XXXX as being owe which is life insurance s s a XXXX.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted dispute letters to XXXX, XXXX  and Experian In XX/XX/2021, XX/XX/2021 and in XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card.

I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose. 

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them. This has been going on for more than 90 days. They did not investigate the inaxxuracies and did not honor the ID theft and FTC report i submitted to them.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I refinanced my mortgage with XXXX  ( loan # XXXX XXXX in XX/XX/XXXX. XXXX then immediately sold the loan to XXXX XXXX XXXX ( loan # XXXX XXXX. XXXX XXXX XXXX billed me for XX/XX/XXXX mortgage payment in the amount of {$2800.00} due XX/XX/XXXX ( see attached ). On XX/XX/XXXX, a Notice of Servicing Transfer letter from XXXX XXXX was sent to me stating that LoanCare on behalf of XXXX XXXX XXXXXXXX XXXX will collect my mortgage payments starting XX/XX/XXXX. 

Meanwhile, XXXX persistently contacted us for their XX/XX/XXXX payment. They said it was due to them, not XXXX XXXX. We have tried MANY attempts to contact XXXX XXXX and LoanCare to resolve the issue and get the XXXX mortgage refunded to us so we can pay XXXX  to no avail. We've been contacting both companies since XXXX. I have attached supporting emails from XXXX XXXX that states the XXXX mortgage is due to us for refund and that they've contacted LoanCare to process the refund. It's been 2 months and nothing from LoanCare. Every time we attempt to contact LoanCare at the only number we know ( XXXX ), they don't seem to know the story and it's a repeat of the entire scenario to the rep at the time. There has been numerous calls to LoanCare from XXXX to XXXX. I started documenting my calls to LoanCare starting XX/XX/XXXX. 

Calls to LoanCare : XX/XX/XXXX - Spoke to XXXX, then requested to speak to a supervisor named, Ms. XXXX and she initiated an escalated ticket XXXX # XXXX XXXX. She said we'd get a call back from the escalation dept within 1-3 days. No call back. 

XX/XX/XXXX - Spoke to XXXX XXXX agent # XXXX XXXX. She was supposed to call us back the next day. No call back. 

XX/XX/XXXX - Spoke to XXXX XXXX agent # XXXX XXXX. Was supposed to have someone contact XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo call has ever
been made from LoanCare to us to try to resolve the issue. 

We were approaching the 60 days RESPA and were forced to make a secondary XXXX mortgage payment to XXXX ( see letter from XXXX attached ) on XX/XX/XXXX to avoid having a negative impact to our credit. 

This has gone on far too long with no follow up or communication from LoanCare. It is clearly an error between XXXX XXXX and LoanCare that should have been easily and quickly resolved for me. 

I hope this letter will help find me a quick resolution.
Consumer complaint received 2021-03-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc. (MI)

On XX/XX/XXXX, I contacted BSI financial when I noticed that my XX/XX/XXXX was not applied to my account. I then contacted BSI by phone requesting this be investigated. The representative, XXXX XXXX was suppose to escalate my request to be reviewed and promised an update by XX/XX/XXXX. After I heard nothing, I contacted him back by email and the information he provided had nothing to do with the XXXX payment. I sent them bank proof that XXXX payment was paid in the month of XX/XX/XXXX. When I asked to speak to management, specifically XXXX XXXX, the call is being intercepted because he does not want to speak to me. I also have a problem with XXXX XXXX which is the Loss Mitigator. Does not explain anything to the consumer correctly, ignores emails and is simply bad customer service all the way around. 

In my last case, BSI had illegally took fees from me during a bankruptcy and said it was a mistake. As a result of the complaint I noticed the fees were applied and now they are reversing it. No one has given me an explanation. 

I am victim of predatory lending. This organization takes out fees from consumers not providing any documentation once so ever. I have yet to receive information about my mortgage or fees. I look for the day to get away for this collector. I am also going to write to the Attorney General. These people need to be stopped.
Consumer complaint received 2021-03-03
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 (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-03
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)

I have XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a consumer by law. I did not submit this in error. I never gave Transunion my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.
Consumer complaint received 2021-03-03
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: UNIVERSAL ACCEPTANCE CORPORATION (NE) (PA)

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TX)

This company recently acquired a fairly old medical debt. Placed it back on my credit report to make it look more current and has called my phone number repeatedly for weeks. 

I have blocked them but they keep getting through to my number. I researched the owner of the company and he is an XXXX. I have XXXX relatives and I think I have been targeted. 

I want this to stop. 

A large portion of my debt is medical bills when had been previously removed from my report and suddenly in the last year they have been added back on. 

I didnt think this could be done.
Consumer complaint received 2016-10-16
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY ()

Dear Sirs, Mon. XXXX XXXX 2016 at XXXX Attached copies of American Express indicated I authorised XXXX XXXX to charge the subscription fees of {$99.00} on XXXX XXXX 2016. On XXXX/XXXX/2016 XXXX refunded this {$99.00} on receipt of my dispute. 
But on the same date of XXXX/XXXX/2016 XXXX charged me again without my authorization this {$99.00} it had refunded me and American Express honored this unauthorized charge of {$99.00} and paid XXXX XXXX. 
The proof I have produced here with is more than enough and disqualify both American Express and XXXX XXXX to question me or argue further in this matter. I would therefore demand both Amex and XXXX agree to correct their oversight error they both have committed on their parts and refund my {$99.00} immediately.. 
Should I fail to receive the refund of {$99.00} within 7 days from today, I will bring this matter to the attention of appropriate authorities. 
Yours truly.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

on XXXX XXXX I made the purchase of the XXXX XXXX XXXX for XXXX with a XXXX down payment. However looking at my contract I don't think my down payment was subtracted from my original financed amount.
Consumer complaint received 2021-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN INTERNET MORTGAGE (DE)

Delaware governor declared a State of Emergency and banned landlords from collecting late fees from tenants, and lenders from collecting late fees on mortgages in turn : " With respect to any missed payment on a residential mortgage occurring during the state of emergency, no late fee or excess interest may be charged or accrue on the account for such residential mortgage during the state of emergency. '' My mortgage payment deadline was XX/XX/XXXX, I made the payments on XX/XX/XXXX and was immediately charged late fees on all 3 accounts. Called the company to inform them that this is in violation of the Emergency declaration, and they asked that I send a link to it ( which I did XX/XX/XXXX ). Followed up a week later and was asked to send the email again, even though the rep was able to find the original one - this time with loan numbers in the subject line. On XX/XX/XXXX followed up again and was transferred to a supervisor who said he'd get back to me on Monday, XXXX. Didn't happen.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MD)

On XX/XX/2023, MOHELA fully discharged my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, MOHELA has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.
Consumer complaint received 2021-03-03
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 This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account was under the forbearance agreement and XXXX XXXX XXXX XXXX said they would not report late payment status, As I was protected by consumer law for forbearance agreement. When I mentioned it was affecting my credit due to late payment reported, the XXXX XXXX XXXX XXXX  officer said that is incorrect and I should report to the credit agencys as incorrect and they would fix it
Consumer complaint received 2023-05-11
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. (NC)

Personal Statement Last Name : XXXX Phone : XXXX 15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFO IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES INFO THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THESE ITEMS AS IT IS IN VIOLATION TO MY CONSUMER RIGHTS.
Consumer complaint received 2023-02-20
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. (IL)

The following account was added to my Experian Credit Report as of XX/XX/XXXX in error : XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$75.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$75.00} Balance Updated XX/XX/XXXX The reality is : I paid {$150.00} on XX/XX/XXXX
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My company is a hotel, with about XXXX active employees. We are a family owned business and we operate the hotel. We are not a huge hotel we are a XXXX room XXXX star hotel that has its daily struggles and sometimes need loans from my credit card to keep going. 
On XX/XX/XXXX our company received an XXXX loan. We used a part to pay some A/P. Another part was sent to a different account to be kept in separate accounts the next month on XXXX the amount was returned to the original business account to be used for approved expenses. FastTrack to XX/XX/XXXX. Our company 's account is frozen due to " questions '' regarding those transactions from a year ago. I had my employee 's payroll money in the account. I had to get a loan to be able to pay my employees. The loan is like a payday loan huge interest. I called the bank and asked them about this this issue. which they told me, " its under investigation ''. I told them I agree and I am happy to provide any documentation just please unfreeze my account so we operate the business from it and pay my staff. Bank did not care they simply told me tell your staff its under review. We employee $ XXXX staff. They use their paycheck to pay for rent and food. it its not like I can tell them " he guys come next week for your dinner at the XXXX ''. I am fully aware and i agree if there is any suspect of fraud it needs to be investigated. I just see this as a huge abuse by the bank. They have not contacted me nor provided me with any documents. I was just told to email a email address provided after about 40 min on the phone. i will provide any requested supporting documentation i just need to be able to use my money and my account. especially after the winter storm our business had several issues.
Consumer complaint received 2021-03-03
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. (NY)

On XX/XX/21 I was mailed a Debt collection letter from XXXX XXXX XXXX about a debt that I have No Knowledge of. This company has failed to provide me the original APPLICATION that I signed with them. If they can not provide me the original application, then I ask that this debt be removed from my credit report immediately.I am deeply upset about the erroneous things I see on my credit report. The accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out whats going on to and who the inaccurate information belongs to. Can you all clear this up quick. it is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to law unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed. This is false and misleading information.Thanks for your help with this matter.