davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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. (IL)

On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I paid my credit card on time and paid the balance in full every month. 

Now Capital One is saying there is fraudulent activity on my account because They are making no interest on my account. Although my account is paid in Full I ca n't use my account because they say they have to investigate fraudulent Activity. 

Capital One is Discriminating against me because I am XXXX. I want An investigation into Capital One policy of Discrimination against XXXX Who pay their bills on time and they do n't make any interest on them. 

Waiting to hear you. 

XXXX XXXX
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Received an inappropriate letter from Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. They wanted me to update my AutoPay email alert settings. The account they referenced is closed and has been for sometime. We do not answer or even open their emails since we do not do business with them. This letter 'scared ' my wife, wondering what was going on. Can you stop this kind of harassment?
Consumer complaint received 2022-12-28
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. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.
Consumer complaint received 2021-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I refinanced my mortgage through my original lender ( Lakeview Loan Servicing , LLC - XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) on XX/XX/XXXX and it was completed in XX/XX/XXXX. I provided my insurance policy ( ies ) information and they were included in my closing package. First, my homeowner policy was canceled due to non-payment, though I had plenty of escrow available. I contacted XXXX  ( mortgage servicer ) and it was resolved and policy was reinstated. Then I was notified XX/XX/XXXX, that my wind insurance was canceled ( XX/XX/XXXX ) due to non-payment. I contacted XXXX again, and they were showing a valid escrow amount, but the title company XXXX or XXXX marked the policy as paid. I learned this after speaking with XXXX XXXX on XX/XX/XXXX. Mr. XXXX advised me to contact XXXX, which I have done twice via VM as they do not actually speak with you, and via email, with no response. I do not believe I should have to resolve this due to the lender 's error. I have tried numerous times since XX/XX/XXXX to contact the lender, but their IVR sends you into a perpetual loop that never connects you with a live agent. This lender has made errors on every refinance I have performed, to include when they violated a previous refi contract where the refi fees were to be rolled into the new principal, but they instead used my escrow to pay the fees and my policies were canceled. This was only resolved after mailing a letter to the CFO. I have 30 days from the date of policy cancellation ( XX/XX/XXXX ) to have it reinstated. Please expedite if possible. Thank you.
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity ThefXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2020-03-29
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. (SC)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate
Consumer complaint received 2021-10-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (OH)

National Credit Adj is reporting a collection account to my credit reports. They did not send a notice or provide an opportunity for the debt to be validated or disputed. I mailed a certified letter to the company requesting validation of the debt on XX/XX/XXXX XXXX They did not respond and continue to report the debt.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (TX)

I am concerned with the way the payments i am making or have made are being made on the account. I only make purchases on 6 month no interest or in XXXX of XXXX i started a 24 month special finance purchase that is {$130.00} per month. 
From the beginning of the start of the special finance purchase, that seems to quote the amount that it would have cost had me and the seller not made an agreement on a lesser amount. 
The amount they were asking for as minimal monthly payments were made plus and suddenly what i saw was the payments made were not being placed on the items on the account under the special finance purchases. 
The payments were being placed on one item that is set to expire in XXXX and leaving the items that i was making payments minimal or more to be placed somewhere else and leaving the items that i had six months to payoff to remain with no payment amount being applied to them to come to the point of about to expire. 
An item on the account that was to expire XX/XX/XXXX had a balance of {$57.00} i made the payment of {$58.00} in XXXX before the expiring date. They took the payment and placed put on the expiring item and put the other some where else and when i inquired about the total account balance not matching the total of all the items added up, i noticed that the the amount left unpaid on the expiring item was placed on the total balance and no explanation given has satisfied me and from the way it seems they are not really interested if i am satisfied. 
I have kept up to my end of the agreement to pay off the loans before they expire or make the payment on the one that interest has already been given in the total of payments over the 24 month period. 
The same thing happened in XXXX or XXXX of last year that i called numerous times before anything was done, even had to speak to a supervisor before they did some adjustments but i am not sure if the adjustments was benefiting me since when i asked them to send a layout of how they came up with the figures to make the adjustments, not was given to show this.
Consumer complaint received 2021-10-14
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. (NC)

To whom it may concern, I have been trying to get inquiries removed for a while now that i never made a few times now. The last time i went to cfpb they sent me a file when closing saying not enough proof so this time i took pictures of the inquiry 's in question. I am being hit with a bunch of them that I never made. All of the following needs to come off my credit report XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX  XXXXnquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-10-14
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. (PA)

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX  on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 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. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file
Consumer complaint received 2021-10-14
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. (WI)

I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY CHAP XXXX
Consumer complaint received 2020-03-29
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: Santander Consumer USA Holdings Inc. (TX)

I have written 3 dispute letters to the following company to validate and verify the debt they claim I owe them. They have failed to respond to me in writing in the 30 days allotted by the FCRA. 
1. ) Santander Consumer USA 2. ) XXXX XXXX XXXX. 
3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX TX
Consumer complaint received 2021-10-14
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. (NC)

I have submitted the affidavit form XX/XX/2021 which was received by certified mailed stating that I was a victim of identity theft to Experian who has not fully investigated my case of my address, names, and inquires that where done under my name by someone else.
Consumer complaint received 2020-04-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MIDFIRST BANK (PA)

In XXXX I took out a mortgage with midland mortgage. In XXXX I got divorced, I gave the house to my ex wife. I had an attorney draw up property settlement agreement giving my ex wife the property. I shortly after that filled out and notarized the mortgage assumption paperwork Midland Mortgage sent me. I have been told several times by midland mortgage I am no longer on the mortgage and do not have any rights to information pertaining to the mortgage. My ex wife has modified the mortgage two times in the last 9 years. Both times in her name only. However Midland Mortgage stated that they have not released me from liability on this mortgage. Its very confusing because if Im not on the mortgage and she can change and modify this mortgage without my consent however it still reports to my credit. Please help me understand why she assumed the mortgage however I am still responsible? Thank you
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

Predatory practices of Rocket Mortgage on XX/XX/XXXX. After providing extensive personal financial information, refusal to provide rate quote and then refusal to provide fee quote in federally mandated form. Requested that they provide the quote in this form and was refused until after I completed a full application in writing after already providing full application orally over the phone.
Consumer complaint received 2020-04-09
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. (FL)

I received a call from fraud investigator about somebody trying to borrow {$40000.00} in my name. He gave my SS #, DOB, and Drivers license number. I requested a copy off the license and he sent it to me via e mail. It is a fake with wrong expiration date and a younger man picture. I had received a couple of Banks letters declining my loan application but I had not made any so I ignored them. I contacted Experian and asked for a security freeze. There I found several requests for loans that I had not authorized or made.
Consumer complaint received 2020-03-29
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. (CA)

I have been disputing 7 closed accounts with Experian with no results of resolutions. Specifically with providing me with proof that I have asked for under my rights per FCRA section 60 ( A ) ( 1 ). Pertaining to late payments and continuing to report late payments after the accounts are closed. 

1st letter of my dispute was sent certified mail requesting the the 7 closed to be validated per FCRA section 609 ( A ) ( 1 ). Please see attached certified mail dated XX/XX/2020 with USPS Tracking # XXXX. 

Experian came back with verifying my disputed accts as " accurate and validated '' thru data furnisher and updating the accts. But the reported info are the same with no changes. However they have completely ignored all my requests with providing documentations that validates the inaccuracies of their reportings.
Consumer complaint received 2021-10-14
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. (SC)

I have sent multiple request for validation of debt via a contract with my signature stating that i have agreed to paying back a debt and or owe debt to collection agency listed on my credit. I also requested that those accounts be taken off of my credit until proof can be submitted and all three credit bureaus including collection agency have failed to send me requested validation on multiple occasions. And debts are still on my credit and has not been removed
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd. (AL)

I was served papers last week stating I was being garnished for a credit card from XXXX XXXX XXXX taken out in my name on XX/XX/2000. I was a XXXX XXXX XXXX XXXX at this time and I have never had a credit card in my name during that time. someone forged my name and I can not pay this garnishment. I am willing to do hand writing sample to compare the signature and prove it is not mine.
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LendingPoint Holdings LLC (CA)

XXXX XXXX XXXX reported a collection to personal credit report last month .... Prior to that there was no notice of collection, letter, call or inquiry on this debt they claim is owed to them. Request for validation of debt came back with a simple print out stating that 24k+ was owed to them from the loan originated in CA back in 2017 at 29.66 % ... It is a known fact that CA statutory limit on personal loans is 10 % .... isn't this a usury? After disputing the accuracy of this account with the buraus XXXX XXXX groups responded with " full validation and confirmation of total accuracy of this account '' to all 3 CRAs However, could not produce signed contract, proof of origination, proof of any payments made on this loan in the past and no proof of personal identification that would prove they have the right person on this collections and who the original creditor/lender was besides the fact that this is originated in the state of CA ...
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (PA)

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with AFNI INC on Sunday XX/XX/2021. I request that this account is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 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. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc. (MD)

This is a continuation of complaint XXXX which was closed due to company response. While the company, Zillow Home Loans, responded, they submitted a check to us that was sent to XXXX XXXX  but not for our mortgage account. XXXX XXXX  stated the remittance note with the check was not for our account. Since the remittance has protected information for another account holder, XXXX could not issue us a copy of the notice. This complaint is NOT resolved.