davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX .... Balance : {$9300.00}
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Recieved letter dated XXXX XXXXXXXX XXXX  saying Dear my name, We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. Please Stop using this account immediately and destroy any cards and checks associated with it. Also you should update any recurring payments you have set up using this account, such as gym memberships, subscriptions to online streaming services, etc. You are still responsible for paying the full amount of any remaining account balance and you'll continue to receive billing statements until the balance reaches XXXX. Sinserly, Capital One then very bottom of it states EQUAL CREDIT OPPORTUNITIEY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicants has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington, DC XXXX.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( 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 or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (PA)

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 : aod XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MN)

Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and credit score from Clarity Services , Inc., Experian Consumer Support Division, Experian, and XXXX. Lenders need to be able to pull, access, and obtain my credit report from Clarity Services , Inc., Experian, and XXXX. I want Clarity Services , Inc., Experian, and XXXX to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and credit score to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2023-01-06
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 (FL)

I have checking, savings and a credit card with Capital One. On XX/XX/2023 i received a late night call ( XXXX XXXX! ) from XXXX XXXX XXXX XXXX alleging he is with Capital One and wanted me to approve something. I hung up but he continued to make XXXX more calls which I did not answer. Following day I got several alerts from XXXX advising me of inquiries put on my credit report by Capital One. When I called capital One they discovered that another person with my personal information applied for a Venture credit card which was approved They then closed it and initiated a fraud investigation which can take XXXX days. I am not aware that the new card was used and it's not showing on my credit report
Consumer complaint received 2023-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

WHERE DO I START. 

Back around XXXX of 2022 they switched loan servicers for my student loans. I was originally with Fed Loans then switched to XXXX. The switch happened earlier that expected as I was planning on making my last payment on my student loans before XXXX hit. However by the time I logged in to do so, they had already turned off the ability to make a payment. Keep in mind this payment was my last payment of {$1800.00}. I tried to figure out who my new servicer was & continued to get the ring around until I finally got a letter in the mail on XX/XX/2022 that informed my my balance was {$3600.00}. I immediately went into freak out mode and started calling around to get this solved. XXXX told me I would have to contact Fed Loans so I did. Everytime I called FedLoans I would continue to get hang up on. ( to this day I am not sure why ) I calledevery day until someone claimed that I would have to call XXXX & prove it with the payment history. XXXX informed me they would send me a copy of my payment history in which they did. I compared it to all of my bank statements and proved where they went wrong. The manager I proved it to, stated that he too agreed with what went wrong and pointed out that the new balance was exactly doubled what I claimed my last payment was. I also showed him my payment history & explained that I was having a really hard time talking to anyone at Fed Loan. He assured me that he would take it up the ladder and have his assistant call me to provide me with an update every so often. He held true to this and his assistant called me a few times throughout XXXX. The last update I had from the assistant was XX/XX/2022 stating that they have reached out to Fed Loans to get an updated payment history that shows the correct payments posted. Since then, I have reached out to both companies and nobody has responded to me. I did just get another bill from XXXX stating my payments are resuming in XXXX with the XXXX being the balance. I have done everything in my power to fix this situation and I am beyond frustrated by it. I feel that they are taking full advantage of their power and using it against me as there are a bunch of penalties involved. If anyone could help me at this point, its you guys. 

Thank you for taking the time to read this!
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2022 THE HUNTINGTON NATIONAL BANK, received a Right of Rescission letter stating Congressional findings in regards to Title 15 U.S. Code 1635 Right of rescission as to certain transactions. THE HUNTINGTON NATIONAL BANK then replied, stating '' that the request to rescind the loan referenced above can not be honored '', we received this letter on XX/XX/2022. To be clear, we are stating that this account be rescinded, we are not requesting.
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (PA)

I was involved in a car accident on XX/XX/2021. I was rear ended and pushed into a car in front of me. I had insurance and all of my information, as well as the other parties involved, was listed on the police report. This company continues to spam call me, my girlfriend and my extended family members. They sent a letter to my parents home. I was not at fault in this accident and I was insured.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I participated in a XXXX XXXX XXXX and I was not obligated to pay the XXXX. Due to the unit having XXXX  XXXX XXXX XXXX did not pay rent which is apart of their contract. Once the XXXX  was treated they continue to pay the rent. When they failed inspection they did not respond promptly and XXXX placed the apartment under abatement. They did not apply for a an inspection for XXXX months. Once they did and fixed the XXXX  XXXX begin to pay the portion of the rent. I have attached that my portion {$330.00}
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Phh mortgage is responsible for paying my taxes. I pay them the money and it is put in my escrow and they are supposed to pay the taxes. My XXXX school taxes were not paid in the appropriate amount so the check was sent back to Phh mortgage. This resulted in a debt being sent to the tax claims bureau. Phh mortgage sent the tax claims bureau a check for the wrong amount again. It is now XXXX and the debt is still not paid even though Phh claimed they would cover all fees and late charges. I've sent them the new letter stating that my home can be sold if it is not paid by may XXXX  and they have ignored every single email.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$8200.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (PA)

This is my Third time writing you to update my personal information. I demand deletion of all personally identifiable information from my consumer credit report with the exception of my enclosed. 
1. My Full Legal Name 2. My Address : 3 Phone number included.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$83000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CO)

On or about XX/XX/2023 ERC, XXXX XXXX XXXX, XXXX FL, made an offer to settle a XXXX debt of {$110.00} for a one-time payment of {$72.00}, however after making the payment they are refusing to honor the terms we agreed to and have been contacting me daily about paying the remaining {$39.00} even though our agreement was to settle the debt. ERC reference # XXXX and XXXX # XXXX
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MN)

PayPal Credit XXXX Synchrony Bank refuses to provide a credit card statement that has a XXXX balance at the end of the billing period, even though there was a beginning balance and activity during the billing period! I believe 12 CFR 1026.7 requires credit card companies to provide XXXX balance statements as long as there is any activity during the billing period ( e.g. payments, credits, charges, etc. ). According to your own web site, I read the following guidelines ; " Otherwise, you should generally receive a statement for every billing cycle in which your account has a credit or charge of more than {$1.00}, or on which a finance charge has been imposed. '' ( see https : XXXX/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-i-dont-receive-my-credit-card-bill-en-43/ ). When I worked in the financial industry, one of the things we saw that indicated possible fraud on a credit card was a charge and a credit for just {$1.00} or some other small dollar amount ( to test the validity of the account number ). If a customer does not receive a statement, they would likely not even know that there had been suspicious account activity. In summary, my complaint is that PayPal Credit XXXX Synchrony Bank refuses to provide a XXXX balance statement even though there is activity during the billing period.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Phh loan services is the company you want to send complaint to. Thanks Phh mortgage XXXX XXXX XXXXXXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX My current complaint # XXXX
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

My caregiver trapped me in the bathroom and then used my cell phone to send multiple withdrawals from my Citibank account to herself via XXXX without my authorization. She then went to the Citibank ATM and emptied my checking account, again fraudulently. I am totally XXXX and live alone in a seniors building. Citibank honored the ATM withdrawals as fraudulent, but has ignored my numerous appeals to do the same with the XXXX withdrawals nor have they ever sent an explanation for their denials. Please help.
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

Contacted XXXX XXXX or XXXX XXXX company in XX/XX/2019 about the overcharge for ambulance charges higher than industry rates for a ( 4 ) miles transport to hospital emergency room. Contacted XXXX to discuss what my medical insurance company stated was the agreed plan discount amount set between XXXX XXXX XXXX and XXXX XXXX. I paid my copay cost that my insurance company said I was obligated to pay for the ambulance charges and my insurance company paid their portion of the charges due after deducting the plan discount amount calculated by XXXX XXXX XXXX. I contact XXXX XXXX or XXXX XXXX after contacting my medical health company XXXX XXXX XXXX and informed them that XXXX XXXX XXXX stated there is a plan discount adjusted for the ambulance services that health care provider determined reasonable for the service given by the ambulance company. Then I get a collection notice for the overcharges that was unreasonable as stated by XXXX XXXX XXXX, my health care provider. The ambulance company said their ambulance charges were reasonable and disagreed with XXXX XXXX XXXX calculation of the discount to their charges. Total paid by me and my health provider was {$790.00} and the ambulance company wanted {$2300.00} for their services disregarding the plan discount of {$1500.00}.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

In my last statement from Citi Bank dated XX/XX/XXXX, Citi Bank states that the conditional credit of {$2400.00} applied to my account was reversed since it was DETERMINED TO BE A VALID CHARGE. It is NOT a valid charge but instead is fraud on the part of the merchant. 
On XX/XX/XXXX, I authorized a charge to my Citi Bank Credit Card ( ending in XXXX ) of {$2400.00} by XXXX XXXX XXXX in XXXX, XXXX. The merchant claimed that this charge was for capital gains taxes for sale of my timeshares. In fact, this claim was a lie and I received absolutely nothing for my expenditure. I disputed this charge with Citi Bank ( XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Citi Bank stating that they needed more information from me. I supplied the requested information as best I could. On XX/XX/XXXX, Citi Bank advised me that they had contacted the merchant. On XX/XX/XXXX, Citi Bank provided me with a copy of the merchants response, advised me that they had closed their investigation based on the information available, and reversed the credit previously given to me. They also said that I could continue my dispute by responding to the merchant 's documentation. I provided a detailed response to Citi Bank which is included here as a series of attachments. These attachments detail the facts that in an attempt to justify the credit card charges, the merchant fabricated documents, one of which includes a forgery of my signature and includes a hotel ( where the merchant claimed that I stayed ) that does not exist nor does the stated address for this hotel exist. The merchant has continued to lie about the true nature of the credit card charges, which the merchant claimed were for timeshare sales capital gains taxes. The attachments contain proof provided by me to Citi Bank that the merchants documents are fraudulent. 
All of the documents that I attached here have been provided to Citi Bank.
Consumer complaint received 2023-02-12
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: NAVY FEDERAL CREDIT UNION (TX)

Please see the attached dispute letter that was sent to Navy Federal last month. Not only have they failed to respond, but I have also yet to receive the 1099c form for the written off account they are reporting. Lastly, they are furnishing different payment history to the credit bureaus. How is that possible when all data furnished should be completely the same? Please remove this account from my credit report or I will be seeking compensation per violation. Please see the attached credit report and dispute letter which is dated, and time stamped.