davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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: Exeter Finance, LLC. (KY)

Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX placed a hard inquiry on my credit report. I have never worked with XXXX XXXX or banked with them for any other reason making this hard inquiry an error. 

Exeter Finance was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

XXXX XXXX is the third to place another hard inquiry on XX/XX/. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/2019. these were also errors As a XXXX  trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my own business. Things like this on my report will only make it difficult for me and my future family to progress.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Im very upset with my bank customer Service treated me Awful I just want to Order a special Order of checks but they dont understand me or what I want I wish they would care to show me that I called their check vendor to place an order XXXX XXXX they told me the check Order I want is Im a catalog they refused to Take my order even though they allow me to order directly with other banks they tell me with Bank of America you need to Order directly from Them they use our service and told me to Give them the number from their catalog I was given a number to Call it was an automated system horrible experience I then was transferred to customer service and then transferred to The check department they refused to Hear my concerns claimed Im lying and that they dont offer this product this is ridiculous when XXXX XXXX told me they do Offer the checks I want is called deskset checks their not standard like the bank sends to me it comes with a binder I like it because it keeps me financially organized it comes 3 checks on a page with a side stubs its called deskset checks they are normally for business use but can Also be offered ordered for Personal use but the bank doesnt Understand this and what I want I deserve to be compensated for the inconvenience this bank has caused me to be aggravated and refused to transfer me to XXXX XXXX To have the order placed by them its so easy if they couldnt help Me Why didnt they transfer me to their check vendor to have the order placed by them instead of Treating me so Poorly every bank allows the customer to order for special Orders directly to the vendor but they didnt do that for me they gave me a hard time
Consumer complaint received 2020-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$390.00} XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$3100.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc (MN)

I believe this is a scam, but have no way to confirm. I was contacted three times by XXXX at Eastpoint XXXX. On all three occasions, she called my employer phone number. 

The first was on XX/XX/2020 and went to voicemail. XXXX left a voicemail, no last name, no company name stating that she needed to talk to me about a " claim filed against me '' and requested I call her back. 

The second was on XX/XX/2020 and went to voicemail. She left another voicemail, this time stating her company name as Eastpoint. Calling regarding the " allegation pending against you in my office '' The third was on XX/XX/2020 and I was able to answer the call this time. I told her that I do not have a unpaid debt. She referenced an upgrade loan in the amount of {$30000.00}. 
I informed her that if it is legitimate, please send official documents to my home address via USPS. She said they already have. I have not received any documents. I informed her that I believe this to be a scam and instructed her to stop calling. 

I do not have a {$30000.00} upgrade loan. I've pulled my credit report and there is no delinquent debt on my account. I believe it is either a scam or they are calling the wrong person. I don't know how to stop the calls and/or resolve the issue.
Consumer complaint received 2021-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, On XX/XX/XXXX I noticed that my credit score on XXXX had took a BIG decrease on my points of XXXX  points. So I called XXXX on XX/XX/XXXX and talked to a person name XXXX to ask why a big drop on my points when I was doing fair on my points. Well XXXX who is a specialist stated to me that Capital One Bank USA put a nasty remark on my profile on XXXX all because I wanted to Dispute the Double Jeopardy Accounts on my Credit File. Now I'm not sure if XXXX and XXXX will be affected by this nasty remark, but if so I want all three credit agency to be notified and not affect my points. 
I filed a Dispute with XXXX, XXXX, and XXXX about Capital One Bank USA with the same account as XXXX/XXXX. In my letters I explained how I wanted Capital One Bank USA removed from my credit report because it was a duplicate account with a different name. XXXX was sold to Capital One Bank USA . However I was always in good payment with XXXX/XXXX  it's just Capital One Bank USA bought XXXXXXXX  Accounts from every customer. So back in XX/XX/XXXX my husband and I fell on HARDSHIP and settle all our debts with Freedom Debt and paid partial to Capital One Bank USA in a settlement. Have copies to send you. Also I have been trying since XX/XX/XXXX to dispute all inquiries from XXXX and XXXX dated on XX/XX/XXXX that I did not authorize or give permission to anyone to pull my credit report. If you can look at the attached paperwork you will see which one I have been trying to dispute with XXXX and XXXX. XXXX have removed all inquire but XXXX and XXXX will not remove and giving me a hard time. Please take a look at Capital One Bank USA and see why they have retaliated against me by leaving a bad remark on my credit file with XXXX. But also this bad remark may be on XXXX and XXXX in a few days. I really want Capital One Bank USA removed from my credit report now since they have been rude and with the double account. Thank you for your time in this matter.
Consumer complaint received 2022-04-13
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. (PA)

XXXX XXXX Bank has been notified multiple time about the inaccurate reporting of this account. I have disputed this account directly with them as well as through this CFPB portal before. They have gone well past 30 days without communicating to me and have failed to keep correct phone call logs if when I have called. This account was paid off and closed by XXXX XXXX bank. It was reported to have a late fee after it was closed. And the account from XX/XX/XXXX to XX/XX/XXXX had late payments. But was never charged off. And when I originally started to complain about the account XXXX XXXX bank added a full year of new late payments onto the account that showed me being late in XXXX!!!! XXXX XXXX Bank after months of me complaining agree to fix the account but not remove it. 

They updated the account inaccurately twice after that. I called and even submitted a complaint through CFPB portal and that investigation went no where. Never hear from the credit bureaus or from XXXX XXXX Bank. I stopped fighting this once the pandemic happened. My last attempt to fight this was XX/XX/XXXX. I called up to XXXX XXXX Bank on XX/XX/XXXX. And tried to goodwill this account deleted from my credit reports, because it is still showing inaccurate information. I was told by the lady on the phone, that she would be sending her boss a email and that someone would be calling me back that same DAY. I waiting 8 days and no one reached out to me. I finally called back yesterday XX/XX/XXXX and I was transferred 7 different times to people at different levels within inside XXXX XXXX Bank. And I was told that they were not going to do anything for me. Refusing to connect me to the corporate office.I was told to file a complaint and leave them alone. But this is when I got really upset. I was told that they have no record of me calling in on the XX/XX/XXXX!!! How can XXXX XXXX Bank be able to furnish my credit report when they cant keep correct phone call logs.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hunt & Henriques (CA)

I am disputing improper service of a legal document Both my wife & I was out shopping on XX/XX/21 which I can provide proof of date & time with receipts. I came home in the evening and noticed on my door there was a copy of a summons & complaint shoved in the crack of my door as if I was served.
Consumer complaint received 2020-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (WI)

This situation goes back more than a decade, we had used CFPD in the past and found what we believed at the time a reasonable agreement. 
We had two loans with CitiMortgage a first and a second. We faced them in court on the first mortgage and they decided to drop the first and clear the title to the loan. They then added a {$200000.00} " corporate loan '' to the second mortgage. That is where CFPD stepped in and the processor at the time agreed and stated the amount due {$72000.00} was the new amount but that was not the payoff amount. That is the deceptive part of the process. After agreeing to remove the " corporate loan '' we began making payments. What was no disclosed in the agreement was the total amount owed? It turns out every time the loan processor was changed along came thousands of dollars in fees to my wife and I. It is not clear if the interest on the " corporate loan '' was ever removed. 
We did hire XXXX XXXX to look into the matter and paid for his services. As he was dealing with the mortgage companies we were running out of time so he suggested we file bankruptcy to allow us to continue our process. 
Nothing has changed from the mortgage point of view other than an offer to pay a 40-year mortgage and owe a balloon payment of {$100000.00}, which he suggested was a good deal because we'd likely be dead before the balloon payment was due. 
The second mortgage started out at {$75000.00}.
Consumer complaint received 2020-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I didn't purchase item debt they are trying to get money to pay. It was purchased by a Mrs. XXXX XXXX XXXX, residents last known address was XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX XXXX  XXXX XXXX, XXXX, GA. Her phone number last known no longer of service, because the vehicle they seeking payment for past balance of was completely in her name. Also, On XX/XX/XXXX in a court proceedings Mrs. XXXX requested courts to award her the vehicle money owed on plus a vehicle which I purchased with cash when I first got out of XXXX XXXX XXXX XXXX and XXXX XXXX from having to have XXXX services in order to walk or take care of myself from a XXXX and a XXXX XXXX due to XXXX  in my sleep and I had a XXXX and a XXXX XXXX a wound up in at XXXX XXXX XXXX hospital in XXXX, GA, a XXXX Hospital on XXXX XXXXXXXX fighting for my life on XXXX XXXX until XX/XX/XXXX. I took out a title loan to get the money which I loaned to Mrs. XXXX for the down payment on the vehicle they are seeking money on balance owed which I believe was around $ XXXX {$5600.00}. I talked to them about this issue, but insisted to ruin my credit which was at time when vehicle got repossessed and I couldn't do nothing to make sure Mrs. XXXX made the payments on said vehicle due to the fact on XXXX XXXX I was placed under XXXX  for XXXX XXXX XXXX, for pulling a XXXX on a guy who was staying at Mrs. XXXX residence after the guy XXXX XXXX me after just getting out of hospital and was deemed XXXX after I got out if the XXXX  facility, due to Mrs. XXXX false statements when guy called the cops on me. I do know that they resold said vehicle for an undisclosed amount, because the dealership told me that it was resold. Also, the creditor sent me a payoff offer to clear up debit to get off my credit FOR the amount of $ XXXX {$900.00}
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/2021 I mailed out a copy of my consumer report concerning inaccurate information being reported. Not only did I not give permission for this information to report to begin with but it has been proven as incomplete, inaccurate and unverified by XXXX. I have since provided actual documentation proving exactly that. It is misleading and harmful to myreport and well being as a consumer. I understand these companies are given 30 days to respond but they never had my permission nor any other permissible purpose to furnish this wrong information at any time or at all. I demand they comply with the law and remove these damaging accounts immediately.
Consumer complaint received 2020-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

On XXXX at XXXX, A phone number registered to Portfolio Recovery ( XXXX ) called me multiple times. They call several times a day from different phone numbers and area codes. The debt is legitimate, but I have sent them correspondence to stop calling and send written correspondence instead, but they have not.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-03-30
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: EQUIFAX, INC. (CA)

Under the California Consumer Privacy Act ( CCPA ), a California state law, I am entitled to find out what personal information Equifax has on me, to prevent their sale of such information to other parties, to have my personal information deleted, etc. Here is a summary of the California law : https :  //oag.ca.gov/news/press-releases/attorney-general-becerra-issues-advisory-outlining-new-data-privacy-rights Which states : CCPA grants new rights to California consumers Right to know Consumers may request that businesses disclose what personal information is collected, used, shared or sold by the business, in both categories and specific pieces of information ; Right to delete Consumers may request that a business delete the consumers personal information held by both the business and by extension, the businesss service providers ; Right to opt-out Consumers may direct a business to cease the sale of the consumers personal information. As required by the law, businesses must provide a Do Not Sell information link on their websites or mobile apps ; Rights for minors regarding opt-in consent Children under the age of XXXX must provide opt-in consent, with a parent or guardian consenting for children under XXXX ; and Right to non-discrimination Businesses may not discriminate against consumers in terms of price or service when a consumer exercises a privacy right under CCPA. 

I attempted to accomplish this by telephone but was not successful, they refused to accommodate my request. I spoke with XXXX who refused to identify his last name but said that he was their supervisor at XXXX. Equifax was evasive and nonresponsive to my legal requests. Equifax wanted me to answer various truly inane questions such as : 1. To provide a compilation of my closed credit card accounts. 

2. To provide the minimum monthly payments required for various accounts. 

3. To confirm/deny that my grown adult child owns real estate in another state. My child does not live with me and I have no idea if they own real estate in another state. 
This is immaterial to my legal request under California law. 

This is absurd. They don't need me to research all of that data to obtain my rights under California Law. I need assistance in pursuing this issue to satisfactory resolution. Equifax continues to be evasive and nonresponsive to my legal and legitimate requests.
Consumer complaint received 2020-03-30
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. (AR)

I went to file my taxes and I was told by my tax consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX  XXXX XXXX {$210.00} XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Both Equifax and XXXX  are reporting an account on my credit incorrectly. I have contacted the company from which I had the account ( XXXX XXXX XXXX Credit Card ) to have it corrected. The company sent me all of the documentation from my account. I disputed the reported information with both agencies twice in writing via certified mail by submitting the documentation from the creditor to have it fixed. All disputes were closed without the correct information added to my report. Both agencies actually did change the information making it worse and are now reporting it in a manner that is hurting my credit score even more. I am trying to purchase a home and this is hurting my score which could impede my ability to buy or cost me more money on my loan.
Consumer complaint received 2020-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my tax consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX  XXXX XXXX {$210.00} XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}