davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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 (WA)

I had a credit limit $ XXXXI never asked to increase the credit amount.Somehow my credit limit becomes $ XXXXI did return the purchase to Neiman Marcus last call and to the store in XX/XX/XXXX.I do not get any refund Back on XXXX I ask at first despiute the charges on XXXX XXXXAll the tome when I ask about hardship and despuite the chargesNeinan Marcus representatives hang off the phone .It happened today too.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I am being charged for items I return. I was promised a refund in the amount of {$1700.00}, {$820.00} and {$420.00}. I never got my refund.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

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 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 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (SC)

I paid off my account in full in XXXX and canceled my card because a political organization kept putting {$50.00} donations that should have stopped in XXXX and the credit card company said they would stop putting them on my card on XX/XX/2021 but didn't. 
I am still getting {$50.00} put on every month by the credit card company even here in XXXX after my account was closed in XXXX. 
I contacted the political organization in XXXX or XXXX but they had no record of my account so they said they could not stop the charges. 
Why is the credit card company harassing me after all these months. I am a XXXX year old former retired XXXX with XXXX XXXX and XXXX XXXX XXXX and I feel like I am going to have a XXXX or XXXX XXXX  every month when the credit card company sends me another email saying I owe them money. I owe nobody anything and have paid every bill I ever made. I was a loyal customer for 20 years and they treat me like a deadbeat trying to beat them out of {$50.00}.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I contact the consumers reporting agency notifying them that there was inaccurate information on my report. They just responded that the information was verified. Without solving the true issue at hand that a debt collector was reporting false information on my report which was damaging my credit file. The debt collector reported that my payments status was payed as agreed to XXXX and XXXX, Meanwhile reporting to Experian that the status was 30days late two ( or ) three time. That statement is not a factual statement. This is my credit report that is at state. I need all factual and accurate information on my report only.

15 U.S. code 1681s ( A ) ( 1 ) A States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. code 1681e States Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c. This title and to limit the furnishing of consumers reports to the purpose listed under section 1681b of the tile. 

The account listed below reported inaccurate information XXXX XXXX Account # XXXX
Consumer complaint received 2021-09-17
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: Experian Information Solutions Inc. (SC)

I entered into a lease agreement with XXXX by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the XXXX class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a 3rd party collections agency that XXXX sold the account to called XXXX Management. The charge off for XXXX is not set to be removed until XX/XX/XXXX and the account with XXXX management, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both XXXX and XXXX Management numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.
Consumer complaint received 2022-09-17
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 — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service (AE)

Due to being overseas the past three years on a XXXX I had several late payments reported to my credit. I reached out to the company recently due to finding out some military benifits while on XXXX  overseas. Realizing this while I was still overseas I contacted them. Asking them if I provide proof to please remove those late payments. However the company is very unwilling to work with deployments unless they are provided BEFORE any late marks accrue. However due to being overseas I was not in contact. This has created hardship on our family because we are now unable to get a house due to the remarks on my credit, with this card alone. I have requested multiple times to have them help me and every time they turn me away, the card is even paid off now. I finally got a more forward answer the first time complaining through this site, they told me to send orders, which we have. It has only been a couple days but we still havent heard anything if they will remove the late remarks on my credit. Its frustrating because this is a very hard time for our family and its time sensitive as we have no options for homes until this is taken care of. I have even requested a call to discuss with the XXXX or credit department but nobody will call me.
Consumer complaint received 2021-09-17
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: Experian Information Solutions Inc. (FL)

I have been to www.experian.com several times during XX/XX/2021. There is no way to dispute their report that I am using % 40 of my credit. I called to discuss this with them on XX/XX/2021. I called several times and I keep getting transferred and disconnected. The problem they can not understand or explain is why all my creditors have reported paid in full, no late payments, and several closed accounts, Experian still cites % 40 usage as the reason for my low credit score.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I have been charged late fees twice by a Wayfair Comenity card most recently on XX/XX/XXXX for a payment received on XX/XX/XXXX. The bills ALWAYS come late giving little opportunity to pay them and they refuse to communicate or work with me despite trying to call repeatedly and communicate with them and explain my situation
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates (TX)

The Collection Company that is trying to collect right now is called Stafford Group & Associates. It seems that the original company was called XXXX XXXX XXXX, whom I have never heard of and the company is no longer in operations. My credit report says that the account was opened XX/XX/XXXX. From what I understand by research XXXX XXXX XXXX is an independent financial services firm helping people to manage and grow long term wealth??? I purchased my current home in XX/XX/XXXX, I would have never looked for a company of this sort, nor did I need them. It seems as though XXXX XXXX XXXX sold a bunch of fraudulent accounts to the Stafford Group and Associates and the have been trying to collect on these accounts and these accounts are showing up on certain Credit Bureau Report and affecting consumers who have no idea what these accounts are about. There are multiple complaints with the XXXX XXXX XXXX that are very similar to mine. Most of them are complaints by consumers stating they have never heard of this company ( XXXX XXXX XXXX XXXX and it just showed up on their credit report by a company called Stafford Group and Associates, who you can not contact. I believe this is one of the phone numbers, XXXX. I believe the address shows up as XXXX XXXX XXXX, XXXX Ca., XXXX. XXXX is telling me to contact them to ask for documents and you can not reach anyone and XXXX is just taking their word that these are legitimate accounts because I disputed on my XXXX Credit Report and they say it came back as legitimate. This is not on any other report except XXXX.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

I tried to open an online account with TD specifically because it could be done online. There are no TD branches in my town. During the process, the website errored out. I called the 800 number to try to finish it online and was told 1 ) I did not complete the process and sign for the account so it would close if not funded, and 2 ) I was also told it wasn't possible to correct over the phone and that I had to go to a branch. I told them then that wasn't possible given transportation difficulties and the pandemic. Again, the phone representative said the accounts would just close if not funded. A month later, I get a statement. I called AGAIN, and was told the same thing by TD, who tried to refer me to a branch in a neighboring town. Again, the reiterated that travel was not possible and was told by the TD representative that if the account was not funded, it would be closed by TD. A month later, I received another statement, this time showing a fee of {$25.00}. I called again, ... same thing. I was told only the local branch could close the account. I called that branch on XX/XX/XXXX spoke with the manager, XXXX, who told me it would be closed and she would confirm that for me once done. XXXX just called ( XX/XX/2021 ) telling me i had to make the trip to the branch. I reiterated for her that she was asking me to close an account that I NEVER SIGNED FOR AND SHOULD NOT HAVE BEEN OPENED and reminding her of the pandemic risk. TD opened an account without my signature, NOW is claiming I have to take unnecessary risks, time, expense and travel to correct their mistake. They are refusing to correct this via mail, internet or any other reasonable manner, even though I am going out of my way to work with them to find a suitable solution that does not involve health risks or a time/cost burden of travel.
Consumer complaint received 2021-01-05
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LoanCare, LLC (NY)

I HAVE A MORTGAGE LOAN WITH LOANCARE # XXXX. I HAVE MADE NUMEROUS COMPLAINTS ABOUT THE WRONG INFORMATION BEING ON THE LOAN. MY HUSBAND XXXX XXXX IS DECEASED AND I HAVE SENT THEM THE DEATH CERTIFICATE. I HAVE ALSO SENT A COPY OF THE DEED WHICH INCLUDES MY SON IN LAW XXXX XXXX. THE LOAN HAS 3 BORROWERS AND I NEED THE XXXX XXXX NAME REMOVED AND HAVE THE REMAIMING BORROWERS XXXX XXXX AND XXXX XXXX ON THE STATEMENTS FOR TAX PURPOSES. I HAVE STARTED CALLING LOANCARE FOR A FULL MONTH NOW AND STILL HAVE NOT GOT IT RESOLVED
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M&T BANK CORPORATION (DE)

My name is XXXX XXXX. I am a victim of a scam through social media. The person was posing as a family member and wanted me to go into an investment with a company with a man named XXXX ( his XXXX name is XXXX ; his number is XXXX ) .He then scammed me into investing in BitCoin . This was my first time ever investing in a company this big. Bad checks were directly deposited into my bank account, which resulted in a {$10000.00} overdraft. I have met with the bank officials and have talked to the police about this and the police opened an investigation. The bank officials told me that I could be held responsible because I gave out my information. The bank required me to pay the {$10000.00} in full, which I am financially unable to do. Therefore, they closed my account and the amount went to collection. The police opened an investigation, but they told me that they are at a dead end on the case and there are no clear or defined suspects to charge. I provided all of my documents to the bank officials and to the police and I am willing to provide them to whoever is able to help me with this matter.
Consumer complaint received 2021-01-05
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. (GA)

I am been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-02-27
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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
Consumer complaint received 2022-11-01
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. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

In XX/XX/2019 I made a mortgage payment to XXXX XXXX Loans. I did not realize that XXXX XXXX Loans was the new servicer. XXXX XXXX Loans did not forward my payment to XXXX XXXX Loans until XX/XX/2019. By that time my loan was sold to XXXX. XXXX began servicing the loan on XX/XX/2019. I have reached out to all three companies repeatedly for several months ( via phone and email ) and provided proof of payment but no one has been able to get my payment recorded properly. I am XXXX XXXX military ( XXXX XXXX ) and currently on temporary duty assignment away from home. I should not have to continue to reach out to these companies with no resolution. I would like my credit report fixed and any late fees/interest credited to my loan. I believe all three companies are in violation of RESPA and FCRA.
Consumer complaint received 2021-09-17
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. (MD)

Good day, to whom it may concern, I am writing you today because I sent out dispute letters to Equifax on XX/XX/21 and it's been now almost 60 days and they have NOT responded to me at all regarding the inaccuracies that's being reported on my credit report. They are not taking me or my situation serious and this is causing me stress and built up anxiety because it's hurting me from getting a new home. I'm being seen as risky when I'm not and it's not fair that due to their mistakes I'm being labeled as risky when I'm actually not. I tried calling and emailing them still no reply.
Consumer complaint received 2021-09-17
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. (WI)

My credit score dipped XXXX points in XXXX. I now see remarks on all my files from XXXX just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the XXXX! I was in the XXXX 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told XXXX that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because XXXX did not report me correctly. This should show PAID as HUD paid those XXXX months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I have had an FHA mortgage with NFCU since XX/XX/XXXX and was forced to put my mortgage in forbearance in XXXX or XX/XX/XXXX due to hardship and Covid-19. I am XXXX and am required to XXXX  but have just become XXXX  for XXXX so this makes this all even more difficult to handle. 
I just found out that my XXXX  credit score dropped AGAIN, this time by 16 points because Navy Federal Credit union keeps adding to my balance despite everything I have read to the contrary, including their own statements that as long as you were current when going on forbearance, your credit will not be negatively affected by doing so. BUT, that is not correct and I have had my mortgage balance increase considerably since I started and because of that, my credit has been negatively affected several times over the last year. An increased mortgage balance is a red flag to credit bureaus as is the mortgage being reported as in forbearance or deferment which in turn eliminates your ability to get credit or for a potential creditor to loan money in this time of crisis for a customer or borrower. I can show through credit reports over the last year of the increase to my balance and the decrease in my credit score which is in violation of the CARES Act. I have tried to resolve this with NFCU in the past and today while attempting to log into my mortgage online through Navy Federal 's website, found out that I am LOCKED OUT of my mortgage. I will attach screenshots to verify.