davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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: U.S. BANCORP (IL)

Someone opened a fraudulent account with my personal information in XX/XX/2019 for the amount of {$720.00}. I sent out documents to credit bureaus with this fraudulent account.
Consumer complaint received 2020-01-09
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 — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (NY)

Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I disputed the above with XXXX and Source Receivables Management but have not received any correspondence. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for prior termination of my account. This is a XXXX time I am placed with a collection agency, at this point this is harassment. Prior collection entries was removed and XXXX placed me with another collection agency, with a balance of {$200.00} or unspecified balance. Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for. I had only a pre- paid cell phone service with my own phone, no agreement, paid two months in advance and I called to cancel the service!
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items found in my credit report. There are several inaccuracies in my credit report that I would like to bring to your attention. 

Firstly, regarding the XXXX inquiry, I would like to inform you that inquiries have reached the statute of limitation, and therefore should be removed from my credit report. 

Secondly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Thirdly, the account number XXXX from XXXX XXXX has questionable information regarding its name and number. I demand that you either clarify this information to me or delete this account from my credit report immediately. 

Fourthly, the account number XXXX from XXXX and account number XXXX from XXXX have both been charged off, yet they still have a payment history. Please delete these accounts from my credit report immediately. 

Fifthly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Sixthly, the account number XXXX from XXXX XXXXXXXX XXXX  is unfamiliar to me, and I demand that you remove this frivolous account from my credit report immediately. 

Seventhly, the account number XXXX XXXX XXXX has been verified by you, yet the other bureaus have not been able to do so, and they have removed it. I demand that you delete this inaccurate account from my credit report immediately. 

Lastly, the account numbers XXXX and XXXX from XXXX XXXX XXXX  are unfamiliar to me, and I demand that you remove these frivolous accounts from my credit report immediately. 

Furthermore, the inquiries from account numbers XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX have all reached the statute of limitation and should be removed from my credit report. 

I kindly request that you investigate these inaccuracies and take appropriate action to correct them. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Freedom mortgage allowed two escrow payment deductions from my account for annual property taxes. I worked diligently with the local county government to have this corrected and to have a refund check issued. The refund check has not been credited back to my account and I have sent communications to Freedom Mortgage.
Consumer complaint received 2022-12-27
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 (MO)

I have 4 accounts with capital one. 100 % pay history. I was wrongfully terminated which unemployment found to be in my favor. The day I lost my job XXXX contacted all of my financial institutions and requested removal of all ach and automatic payments to manage more hands on. No accounts were past due at this point. It's been a nightmare since. I set up pay plan w>the capital one. I asked to not be reported and I was protecting my pay history. The agent said no problem. 3 separate payments on 3 separate accounts was to get me into the new year. with full access to all accounts. First payment in XXXX XXXX XXXX All minimum payments to get me through until my unemployment was approved. I am still waiting on Social Security determination. I receive my first unemployment this week sometime beginning XX/XX/22. since. I made first 2 agreed payments a 2 week early last payment was to be 5 days early. That's when I checked my XXXX report and my credit score dropped XXXX and my acct. delinquent for non payment. I contacted them they said they had no record of a hardship pay plan. or any notes attached to my account. So I said okay let 's set one up. Regardless of my situation and me telling them I have no money coming in they force you to agree to next day first payment which automatically puts you behind and locks your account. The late fees put my account over drawn I was charged the maximum more than once in a billing cycle. and this was 5 days before It was due. Not my inability to pay or lack of due diligence. There is much more. this is but 1 of my many disputes for fase reporting, improper record keeping, discrimination, and removal of card rewards and incentives when account is still in good standing. I want my name published on here. I've been bullied and left destitute after pleading for hours over conditions that are out of my control. ach merchants have a access number to my accounts that I nor Capital One have access to. Which means I don't have full control over my account Neither does Capital One. That alone removes my responsibility of debt. And no where in any agreement is that displayed in laments terms or verbally addressed for the consumer. When I asked for that number from capital one they got defensive and aggressive. and illegally altered accounts and charges and fraud disputes that has left me alone moneyless during holidays and Over 100 hrs of sitting on phone and being transferred. When my accts we're in good standing I was treated with dignity and respect. When they were not ( no fault of my own ) and I was able to prove it was not my fault but in fact their mistake. I've been transferred, yelled at, hung up on and treated different even laughed at as they were hanging up on me. every call says its recorded yet they say there are no records or notes. please attach my name to any publishings I'm ready to go all the way with this. enough is enough.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have sent numerous requests to XXXX, Equifax, and XXXX for them to update my credit reports from the incorrect addresses and names that re reporting on my credit. They keep ignoring my requests and letters so I am formally filing a dispute for it to be deleted immediately. 

XXXX is reporting the incorrect names of : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax is reporting the incorrect addresses of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax is XXXX the XXXX names of : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

I opened this account online ... everything was fine until I mobile deposited a check, they froze my account the next day and they wont let me close my account unless I go into a branch in person which is very difficult for me as Im XXXX and live on ssi and I have no mode of transportation, not to mention every month td bank would send me a statement and just take {$1.00} every month from the checking account to pay for paper statement fee ive tried everything in my power to work things out with this bank but they would not close my account neither send me back my money I Believe this is unconstitutional!!
Consumer complaint received 2022-01-29
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. (TX)

After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.
Consumer complaint received 2022-12-26
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. (CA)

Ive recently checked my credit report and I am deeply saddened and XXXX XXXX  as of lately due to the uncomfortable situation im in in regards to the inaccuracies and errors on my credit report.Under 15 usc 1681 ( congressional findings and statement of purpose ) ( a ) accuracy and fairness of credit reporting. Everythingthe credit bureaus furnish must be 100 % accurate period.
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MD)

PLEASE NOTE THIS IN CORRECTION TO Complaint Number XXXX previously filed. Wrong Contract and Purchase Price was originally Uploaded. 

I have been attempting to complete a loan modification for over 3 years. SN Servicing unwillingness to work with me forced me to file a Chapter XXXX bankruptcy ; which I am currently in. However, I also have submitted to SN Servicing to  complete a short sale of my home in XX/XX/2019. I received a fair offer of {$150000.00} which was the amount of SN Servicing BPO of my home value. The offer was reviewed and counter at {$230000.00} which was decided in XX/XX/2019. Since this time period I/we have been attempting to negotiate a reasonable purchase price ; however, the communication and response from XXXX XXXX has went silent and they are now only requesting to have the bankruptcy stay released to pursue foreclosure proceedings. I now have a ratified contract confirming a {$230000.00} purchase price subject to home appraisal. I am requesting assistance with XXXX XXXX to accept the short sale offer at a fair and reasonable priced based on market analysis of home.
Consumer complaint received 2022-12-26
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. (MS)

XXXX XXXX XXXX, Experian, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furn End of Report
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

I can't get through to fifth third bank, I call there number and hit option 3 and it will put me on hold for 2min 19 seconds and put me on a voicemail saying someone will call me back. I've called them daily for the last month and a half. Not one call back I tried to record the call my phone won't let me. So I haven't been able to apply for forgiveness or anything cause I can get through. I've talked to customer service and I talked to someone in refinancing and they all send me down the same road voicemail.
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (IN)

Despite the fact that I never gave any company authorization to contact me as the original creditor and executor, they did so frequently and abusively. Under the Fair Debt Collection Practices Act, 15 USC Section 1692, I was a victim of invasion of privacy.
Consumer complaint received 2020-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I use to have a Cabela 's Visa credit card in which I set up a annual recurring charge with XXXX for XXXX XXXX. Cabela 's was sold to XXXX XXXX and XXXX XXXX decided to use Capital One as their Visa card company. When my Cabela 's card expired, Capital One sent me a Visa card in the mail. I called Capital One and told them I did not want their card and that I was going to destroy the card which I did. Later I kept getting emails from XXXX stating that my XXXX XXXX subscription was expiring. I then paid the subscription using XXXX and another credit card in XXXX. In XXXX I receive a credit card statement from Capital One showing a balance of {$99.00} on a card that I did not have. On XX/XX/XXXX, I called Capital One and ask how XXXX could charge me on a card that I never activated and they stated that if a merchant contacts XXXX, that XXXX will give them the card number. I told them that in my opinion it was fraud since I never activated or have used the card. They told me to contact XXXX customer support to see if XXXX would issue me a credit for {$99.00}. In called XXXX and explained my situation and they told me to contact Capital One and have Capital One start a fraud investigation. They also gave me a reference # XXXX to give to Capital One. I called Capital One and they said that they would start a fraud investigation which would take about 10 days to completed. On XX/XX/XXXX, I called Capital One 's fraud department to check on the status of my fraud investigation. The rep I spoke to told me that Capital One had not issued a fraud alert on the {$99.00}. He then stated that he would issue one himself and I should hear something in 10 days. On XX/XX/XXXX I received a letter from Capital One stated that my fraud complaint has been resolved. On XX/XX/XXXX, I received another letter from Capital One stating that they have found no evidence of fraud and that my account would be adjusted. On XX/XX/XXXX, I received a credit card statement from Capital One showing the {$99.00} charge. I called Capital One on XX/XX/XXXX to see why I was being charged for something I did not authorize. Their fraud department told me that I was responsible for the charge which I disagreed and ask to speak to their manager. Their manager XXXX tried to explain to me that it was my fault and I needed to pay the {$99.00}. After a few minutes of arguing with her she finally said she would initate a three way call between myself, XXXX and herself. By coincedence, the XXXX rep was the same one I had talked to on XX/XX/XXXX. I went on to state my case and he agreed that I had paid the subscription on XX/XX/XXXX using XXXX. Three days later I am still waiting on a response from Capital One and XXXX about my case.