davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I have been trying to drop my mortgage Insurance since XXXX of 2022. Each time I call they tell me that someone will contact you within the next 30 days to set up an appraisal. However 30 days passes and nobody calls when I call the Mr.Cooper to see what happened they tell me that they do not have any record of me calling. Incidentally I have a letter from Mr. cooper that was sent to me in XXXX of 2022 that it says they did an AVM and it shows that I have more than 20 % Equity in the home. In addition I have spent more than {$70000.00} in upgrades and I have all receipts to show. However with all the requests that I have asked them they refuse to drop he Mortgage Insurance or send an appraiser. I need help Please.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C. (IL)

I opened a XXXX XXXX Credit Card in XXXX, and kept my account unused when I was notified that my account was closed. This year ( in  XXXX ) I was served a notice to court to either appear for or pay past due balance of {$2300.00} from Blitt & Gaines, PC ( a bill collecting attorneys office ). When I contacted XXXX about the issue and the fact that had no idea about the charges to my account and therefore had no knowledge to take actions against the apparent fraud against my account I was told that there was nothing they could do because they had sold the account already. When I got in contact with the dept collector, they told me that there was nothing they could do but settle for an amount that was more than {$1400.00}.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (UT)

XXXX XXXX for Care Credit is reporting inaccurate information on my credit file. They are reporting a late for XX/XX/XXXX & XX/XX/XXXX. I don't recall getting any statements or these months. I've had this account for a very long time, and always make my payments on time. I am requesting as a one time courtesy to remove these lates off my credit report.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I requested my personal information to be updated and nothing has changed and I want this off of my report. 

I want the employer to be removed- XXXX of the month I want that removed off my report. 

I want XX/XX/XXXX put on my report and remove XXXX XXXX XXXX XXXX id not my name never used that name. I want that removed XX/XX/XXXX I want that removed XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove XXXX XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/20 Account opened XX/XX/20 Approval letter and card received XX/XX/20 I called to activate card. ID ( front & back ) requested and submitted XX/XX/20 Charged at the XXXX XXXX XXXX declined. I phoned from restaurant and I was told the card was not activated after re-submitting information requested by bank, my card was activated again. I charged the card for diner for the amount of {$68.00}. 

XX/XX/20 Card used at XXXX XXXX For the amount of {$2.00} XX/XX/20 XXXX XXXX purchase was denied. 

XX/XX/20 Call company, they requested more information. 
At that point, I paid the full balance online and called back to close my account. After talking and closing my account with the XXXX  XXXX operator, I went online to check my account and my status went from available balance to " NOT AVAILABLE BALANCE N/A ''. 

XX/XX/20 I received email stating that I was late with my payment. I went online and XXXX XXXX was charging me for late fee {$25.00} plus annual Fee {$95.00} plus Interest. 

I called them again and they told me I need to send them my driver license in order to continue with our conversation and to resolve the issued. I explained I was in the hospital due to my XXXX, she didn't care. Also, she told me that my account was Not closed. She told me it was in the record that I called to close the account but I hand up before they would tell me about some disclosure. ( That is Not true statement. I stayed with the operator until the end together with my husband. Must be a recording of that conversation ) XX/XX/20 I re-submitted Driver License. No one havent call me since then to resolve this issue. 

Please help me to resolve this horrible nightmare by crediting of all " bank charges '' and closing the account. I am scare to received another statement with more charges and/or reported to the credit buries.
Consumer complaint received 2020-03-23
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. (NJ)

I have contacted Equifax about XXXX having an unauthorized inquiry on my report and also having incorrect addresses on my report. They have had ample time to investigate as I have been asking for them to remove this data since early XXXX. Please urge them to remove this incorrect DATA please.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MA)

In XXXX of XXXX  I was robbed. The thief using my banking information to set up a prepaid PayPal debit card connected to my bank account, which they used to make transactions. I contacted PayPal at that time to report the fraud and request that the card be frozen.

There is a {$25.00} balance outstanding from this time which PayPal has sent to a collections agency XXXX. When I reach out to them to advise this is fraud, they just tell me that the issue is under dispute with my financial institution and I need to follow up with them. Meanwhile the debt is with a collections agency. 

I should not need to pay this debt and I should not risk damage to my credit score from collections. 

The dispute case ID is XXXX
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (IL)

XX/XX/2020 CFPB, I filed a complaint just a few weeks ago with your office against Honda Financial Services due to their harassing me with calls after I called and told them when I would pay my payment and paid within my 10 day grace period as promised as I have several times with them, BECAUSE I work for the State of IL IDES and we are only paid 2X a month, so I have to wait and pay them when I have money in my account as I am a twice widowed mother and live on one check and have no help. 

I did the same this month and paid them during my grace period again after they just got done threatening that they may start adding additional late fees and interest onto my account in their response letter to the complaint after I reported them to the CFPB, a regulator. Then this month when I went to pay my payment this morning at XXXX on XX/XX/2020 by XXXX XXXX with my debit card because I can not pay it online or by direct debit, they won't allow me to, as I always do, which ALSO costs me an additional {$4.00} on top of my payment monthly yet still they claim it takes them a day or two to post when they debit it right out of my account, as I promised them!! Then when listening to the recording it said my balance was higher than normal after I made my regular payment of {$590.00} which is due was due on XX/XX/XXXX. I am on day nine of my ten day grace period and this is the same day I have paid for the last several months with no late fees, yet my balance this morning before my payment said I owed {$1200.00} which is my current payment of {$590.00} due for XX/XX/XXXX, plus they have added my XX/XX/XXXX payment of {$590.00} which is not even due until then and a {$30.00} fee!!!! 

This is intentional and done after I reported them and done in retaliation for my reporting them to you as a regulator out of revenge and is ILLEGAL, this is what they were threatening when they responded to my complaint you!, saying they were going to add additional interest and fees if I did not pay ON the due date!! I want them held accountable, fined and made to refund the fee NOW!!! I am also going to contact President Trump about it!! I have a ten day grace period to pay which is not until tomorrow and that is if they are counting all days instead of just business days as they should!! I paid the same day I have for the last six months and have NOT been charged a late fee in the past, this was retaliation for my complaint to you!!! 

I am also going to contact my lawyer about it as I already have one class action started against a bank and not afraid to start another with  Honda Financial if they want to start this XXXX!!! Do your job and enforce the laws on them!!!
Consumer complaint received 2020-03-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Hi my name is XXXX XXXX XXXX. I have never done business with Midwest Recovery Systems. I do not have a signed contract nor any type of contract with Midwest Recovery Systems. I have the right to demand to see between Midwest Recovery Systems and myself.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (UT)

Credit Corp Solutions bought an account, that is supposedly mine, from XXXX XXXX  back in XXXXvery early XX/XX/XXXX. I've been in frequent contact with Credit Corp Solutions. They sent me a letter. I've called them. They have called me. They have all my contact information and have had zero problem locating me. According to my notes I spoke with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX they called a family member, despite the fact that they have had zero problems contacting or talking to me. This is the key point : they could have reached me easily if they called me directly. I have no idea how they could have gotten the family member 's phone number. This particular family member has not been a part of any account that I've created in well over a decade. Given Credit Corp Solution  called my family member despite of the fact that they could have easily reached me is a form of harassment.
Consumer complaint received 2020-03-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I was called by XXXX XXXX Licensed Lending Officer NMLS #  XXXX. When I told her I don't want to credit pull she freak out and pressure me by threatening to hang up and telling me there many people waiting for her call. I could lose my home if I don't do what she said. I was not comfortable listening to her. I am sure someone will give into her pressure so I want to let others know about this situation. And want kind of agent is at Loan Depot.
Consumer complaint received 2023-05-06
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. (FL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumers credit plan as late for any purpose.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" TRANSUNION AND XXXX  '' CONTINUE TO REFRESH OUTDATED ACCOUNT OVER 5YRS OLD, NOT MY ACCOUNT AND VIOLATES " FCRA/ FDCPA AND FCBA '', BOTH " CRA '' VILATES SECTION 604,607, 611 AND 623 ( a ) ... ACCOUNT # XXXX
Consumer complaint received 2020-04-02
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: CITIBANK, N.A. (NJ)

A fraudulent credit card application using my identity was submitted for a Best Buy CitiBank credit card in XXXX. A hard inquiry was made by Citibank NA, Best Buy on my credit report on XX/XX/XXXX. I noticed this inquiry and worked with CitiBank to close the credit card that was fraudulent and set up a 7-year alert on my credit report regarding potential identity theft. Citibank agreed in a later dated XX/XX/XXXX to remove the hard inquiry from my credit reports ; however, as of XX/XX/XXXX, the hard inquiry remains on my XXXX  credit report. I would like the hard inquiry removed from all my credit reports as it was made without my consent. 

Citibank NA, Best Buy XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I was given disaster relief and was told my credit would not be affected. They called & was assumed it was a mistake they would fix ; they reported me XXXX days late & refuse to fix it. I spoke with XXXX agents from Wells Fargo they all assured me it would be fixed & they did not fix. They just sent a letter that states all info they sent was correct & they will not be fixing. 




You're confirmed for disaster assistance We know that your focus right now is protecting the people and things you care for Dear XXXX XXXX : Thank you for taking the time to talk with us. Were sorry that youve been affected by the hurricane. 

While we cant waive payments, we understand that you may not be able to make regular payments for this account at this difficult time. To help : We wont report a past-due status for this account to the consumer reporting agencies. 
We wont charge late fees. 

Assistance began on the date you contacted us It will end on XX/XX/2022. This date is 90 days after XXXX declared the county a disaster area. 

Youll receive a letter soon that has more details This letter will include information about what to do if your home is damaged and how you can make up any payments you miss. If you dont receive this letter, please contact us. 


XXXX XXXX Department Wells Fargo Home Mortgage XXXX XXXX Learn more about disaster assistance Read about our disaster recovery process XXXX XXXX Additional resources Find a variety of disaster relief resources at XXXX XXXXXXXX XXXX  Read about your insurance claim check XXXXwellsfargo XXXX XXXX  Reach out for disaster help XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  to XXXXXXXX XXXX Central Time Prefer email? 

Click " reply '' button and type us your response. 
A representative will then be available to assist you.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! XXXX  is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .XXXX  also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, TRANSUNION is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (TX)

I have been contacted by a debt collector Synergetic Communication , Inc. trying to XXXX XXXX XXXX # XXXX XXXX, TX XXXX collect an alleged debt of {$2600.00} for their acct # XXXX and offering a settlement offer of {$660.00}. Additionally, the debt collector is saying that due to the age of the debt their client will not sue.
Consumer complaint received 2020-03-24
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)

I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! XXXX  is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .EQUIFAX also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, XXXX   is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I temporarily removed a credit freeze with Experian so that I may receive approval of a credit card. After approval I attempted to reinstate my credit freeze, which I have been unable to do. Impossible to talk with anyone at Experian. It appears they offer an upgrade to freeze my credit at a cost, which does not sound right, or legal. I wrote to them, at which time they replied with a one year fraud alert, which I did no ask for. On XX/XX/XXXX, I again sent a certified letter to them, pleading for them to freeze my credit report. As of today ( XX/XX/XXXX ) my credit report is still unlocked. 

I find it very upsetting to have my credit report vulnerable which I feel like I am dealing with a brick wall. Although I might be confused with the terms on their website, I clearly see that my credit report is UNLOCKED, but that I can upgrade for a fee. 

I hope you are the correct agency to deal with this. Thank you for your help.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I, XXXX XXXX XXXX received a letter from Bank of America on Monday, XX/XX/2020 stating that they have immediately closed my account as my profile risk factor is no longer acceptable to the company. I have attempted to reach them by phone several time, however I could never get through to talk with an associate. The letter said that any pending purchases may be declined and that any reward points would not be honored. There was no explanation for the cancellation. I have timely payments, my credit score is in the high 700 's and I am employed full-time. My balance is substantially lower than my credit limit. I can not believe that their action is legal or ethical, particularly during time when financial institutions should be helping individuals and families that are feeling a hardship from the pandemic that is taking place. I am not sure what I am being discriminated against and I am unsure of what damages I might receive from this action playing a part in my credit rating. I want answers. Thank you.