davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (KS)

I received a debt collection notification from XXXX XXXX XXXX in mid XXXX which was addressed to my name and address for the amount of {$4000.00} for a debt titled " Synchrony. '' I also received a phone call, which I answered and told the representative I was unsure was this debt was for and requested proof of the debt to be mailed to me. I disclosed I am a victim of multiple identity theft instances going back as far as XXXX and at the time had a freeze on my credit for that precise reason. 

When XXXX emailed me the " proof '' it was a simple piece of white printer paper with the same information : Name, address, {$4000.00}, " Sychrony. '' There was ZERO information new and nothing provided to help me determine if I owed this debt. 

XXXX followed up via phone and told me they sent the proof of debt, which I told them was not valid. 

XXXX is still attempting to collect this debt and reporting monthly on my bureau against all laws. This is not a legal debt collection practice and needs to stop and be removed until they can validate the alleged debt.
Consumer complaint received 2021-01-20
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 (GA)

In XX/XX/2019 filed Bankruptcy chapt.7. Items not to be reported and a stay was on the account until XXXXXXXX XXXX Paid as required. Then COVID occurred. Called Capital One Auto Finance, they are still showing in bankruptcy. Told me to call the Bankruptcy Dept. Did call. They told me to not pay during covid and granted a forbearance. I asked for how long, they said till further notice and after out of unemployment due to covid. 
I received notice they're reporting it late on credit. During Covid. I called again, they said again, have to go thru the bankruptcy dept ( BK ). BK said not supposed to be showing on the Credit report due to forbearance AND they still have it in BK status. Not supposed to be reported. 

Still reporting late and overdue. Received 3 verbal confirmations- in forbearance, not supposed to be paying OR reporting during COVID. 

Currently have several reported late pays and affected FICO score greatly. Cost me 1 job, I lost due to deliquency
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica (AZ)

THE US DIRECT EXPRESS DEBIT CARD PROGRAM HAS STOLEN {$35.00} FROM THE ACCOUNT. THEY HAVE NO DETAILS BECAUSE THEY SHOW THE AMOUNT AS A PREVIOUS ACTIVITY FOR XX/XX/XXXX, BUT THE ACCOUNT WAS NOT ACTIVE UNTIL XX/XX/XXXX WHEN MY SOCIAL SECURITY MONEY WAS DIRECT DEPOSITED TO THE ACCOUNT ; SO THERE COULD NOT BE ANY ACTIVITY IN ARREARS AS THEY CLAIM. THEY ARE NOT SUPPOSED TO ASK ME FOR VERIFICATION OVER THE PHONE ABOUT ACCOUNT DETAILS BECAUSE I SENT AN INTERNAL EMAIL TELLING THEM TO GIVE THE MONEY BACK ; BUT THEY CLAIM THEY NEED ME TO VERIFY BY TELEPHONE. SOCIAL SECURITY AGENT THAT SET IT UP TOLD ME DO NOT GIVE THEM ANY INFO OVER THE PHONE BECAUSE LOG IN IS MY VERIFICATION. THEY WILL NOT PUT THE MONEY BACK INTO MY BALANCE TOTAL WITHOUT ME GIVING MY PERSONAL INFO OVER THE PHONE TO THEM. THEY ARE CONTRACTED BY THE FEDERAL GOVERNMENT AND HAVE SET IT UP TO STEAL. THE ON SCREEN TRANSACTION HISTORY TOTALS ARE NOT EVEN ACCURATE BALANCES AT THE TIME OF TRANSACTIONS PROCESSED.
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (MO)

The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XX/XX/XXXX{$100.00} 2 ) XX/XX/XXXX{$100.00} 3 ) XX/XX/XXXX{$470.00} 4 XXXX XXXX XXXXXX/XX/XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which are found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX, CT XXXXXXXX XXXX XXXX XXXX Balance : {$330.00} Late Closed : ( Included in Dispute As per advised ) XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$0.00} - ( as advised ) XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$56000.00} XXXXXXXX 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 2022-12-25
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)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XXXX XXXX$100.00} 2 ) XXXX {$100.00} 3 ) XXXX XXXX XXXX  {$470.00} 4 ( XXXX XXXX XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I tried to cancel an American Express card through their chat service. They requested me to call their services, in order to cancel the card, while I was outside the country and unable too. This action could have been easily done through the chat. The 30 day renovation was going to end the day after, on XX/XX/XXXX. Today in XX/XX/XXXX I called again and after being transferred to several service members and managers I was able to cancel the card. I asked for a refund on the annual fee and they were unable to help me with that as well. They continued to tell me that the only way to get the refund was during the 30 day renovation that had already passed, and I was unable to meet their deadline due to their chat inconvenience. Even after I informed them that it had been their mistake that I had not done this process during the 30 day renovation, they continued denying me the refund. I ended up wasting more than an hour, talking to the manager and got absolutely nowhere. I demand the annual fee to be refunded, because I attempted to cancel within the 30 days through an official channel provided by American Express and the same channel through which I cancelled it today.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

ive never had any credit except when my husband bought a vechile from XXXX XXXXXXXX XXXX. but also im having a with problem with idenity theft.i believe the socail ive been using doesnt match with my criminal record neither which is misdeminors and XXXX. i have a hardship over my head for the last 16 years for spite and the childs been adopted since day one. best thing i could do at the time as a mother
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Dear sir, I have received a letter from your company branch addressed XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX with a research request form with my name and address were written already. Even though I do not like to send it back to this office, I feel to be forced to send it back since my name and address have been written by somebody not me. Honestly, as a victim of identity theft, who is not sure how, when, where, and by whom my identity was stolen, this sheet looks difficult to answer back. At least, I know XXXX bank credit card had some issues with illegal transactions and needed to replace my credit cards with this bank needed to be changed. Other two credit cards did not have issues, but I had many mistreatments and some mistakes by the credit companies. However, recently, I have found out there is some issues of misconducts of some employees on my banking accounts in the XXXX XXXX  XXXX, which are beyond my understanding ; therefore, I request your company investigate directly on the XXXX  XXXX XXXX. Also, XXXX Bank has some mysterious misconducts on the joint banking account. Therefore, if you suspect and need to investigate your company should do so to verify your quality of service, since another company in Arizona state has already sent me this information by mail. So, I request research on these my regular banking accounts on these two banks, the XXXX XXXX XXXX and XXXX. Also, I request to check my accounts of XXXX XXXX XXXX XXXX XXXX 
Sincerely,
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX XXXX : {$800.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX : {$190.00} XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX Bankruptcy : XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-19
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. (AL)

This account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet Experian, XXXX  and XXXX  continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at that!
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, 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. (TX)

Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have 12 inquiries!
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I refinanced by loan earlier this year and the loan was subsequently sold to Dovenmuehle Mortgage in XX/XX/XXXX. This loan is approximately for 33 % of the value of the home. I have owned this home over 13 years and had never escrowed any insurance or taxes. With the refinance i was informed i would need to escrow Flood Insurance due to this be a coastal home. They escrow {$75.00} per month to pay my flood insurance which will be due in XX/XX/XXXX for approximately {$900.00} ( please note i had already paid the XXXX XXXX payment myself ). I would like to point out i had made approximately 7 phone calls between XXXX and XXXX verifying that i had a valid policy on the house and the escrow was only for my flood insurance, In XX/XX/XXXX, I paid myself the {$6800.00} property taxes for my home. Several weeks later i received notice that Dovenmuehle paid my property taxes post my action of payment. I spent over 2 hours on the phone in XX/XX/XXXX with a Supervisor attempting to get clarification. Yes they confirmed the escrow was only for the flood and this payment should not have been made. A refund would be requested. I received notice on by credit report that an additional loan of {$6800.00} was placed against me by Dovenmuehle. I contacted the company again by email requesting an update on the refund they were requesting and advise them this has now caused action against my credit report. I received a response indicating that they would not be issuing a refund and an escrow analysis would be conducted. In addition, they stated my loan would be transferred in XXXX. I need resolution of my escrow, credit and have this finalized before transfer to a new company.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

In the past, I was always able to make my full monthly payment and apply it to my student loan group with the highest interest rates and would not incur a " past due '' on other loan groups. Now, with Nelnet, their system will not allow me to do that. I have called multiple times and had to wait on hold for 3+ hours each time. I was finally able to talk to someone who told me to just go ahead and pay my full monthly payment last month on the loan group with the highest interest rate and ignore warnings about late payments. So I did as they instructed last month and made a {$3000.00} payment applied to highest interest loan group. Now, when trying to pay this month, it says I am past due on all other loan groups, will not allow me to make a payment without paying on these loan groups, and says I now own over {$7000.00} for the month of XXXX.
Consumer complaint received 2023-09-26
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 items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (CA)

I am very confused. I owe a credit card company money. I know the sold my debt but they couldnt tell me to who. I get a letter that is water logged and not readable. When I called the number of XXXX from online. Not one representative gave me an ID number. 
They kept pressuring me to make biweekly payments saying my offer ends tomorrow, XX/XX/23. Then decided to give me an extension. Something does not feel right. 
Is this a legitimate company? The number I called is ( XXXX ) XXXX the email address they sent to me is XXXX. 
Im very confused by the whole situation. Especially no one could give a NMLS ID. 
Also, told me they only take ACH payments via credit or debit but only master or visa. 
I just want to triple check their legitimacy. The other companys both collectors and creditors always give an ID and none have approached the situation like this. I am extremely weary and intimidated by their tactics. 
Thank you for your time and can not wait to hear your thoughts about this company and the way they handle collections. 
XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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  Account number:XXXX  Account name : DEPTEDXXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or 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 seven 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 2021-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation (TX)

On XX/XX/XXXX20, there was a fraudulent loan account created on my credit which I never involved with. The company call Regional Finance contacted me a few months ago regarding the loan check they issued to my old address. I told them that Im no longer residing at the address XXXX XXXX XXXX XXXX TX XXXX. And Im not going to responsible any actions that they have been fraudulently doing without my consent.
Consumer complaint received 2021-01-18
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 — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (FL)

I have just checked my credit reports within XXXX XXXX XXXX XXXX. On XX/XX/XXXX BB & T reported my on-time payments for XX/XX/XXXXthru XX/XX/XXXXXX/XX/XXXX. However, when I checked my credit reports, on XX/XX/XXXX, for XXXX XXXX XXXX XXXX XXXX, the reports showed that BB & T removed the receipts of my on-time payments for XX/XX/XXXXthru XX/XX/XXXX. On XX/XX/XXXX, BB & T reported to XXXX, XXXX XXXX XXXX that my last mortgage payment was onXX/XX/XXXX.
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (SC)

I lost one of my jobs during the pandemic and my income has suffered. I am struggling financial and trying to keep up all of my payments. I have asked CarMax for help and even asked if they could move the date of my car payment, They have not been willing to help me at all. I got a deferment for one month, but this really didn't help much. I don't understand that we are in a pandemic, I lost income, and my credit has to suffer. I was reported 30 days past due in XXXX XXXX  is the hardest month, I asked for more time and got nothing, I really need my payments moved to the XXXX of the month, This will allow me to pay on time and have a chance to try to try to get the money by the end of the month,