davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Los Angeles Collection Service, Inc. (UT)

Los Angeles Collection Service : This debt is past California 's statute of limitations. I was unaware I owed this debt. However, I had my credit pull in XXXX of 2019 and it was NOT on my credit and it was reported later on in 2019 - Even having been past the statute. I do not owe this debt. This debt needs to be removed from my credit file IMMEDIATELY!
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Capital One because all three credit bureaus, XXXX, XXXX  and XXXX  deleted the Capital One account. I received an alert today. When I spoke to the bureaus informing them that they deleted the creditor which I paid the account to a XXXX balance, which by deleting the account it decreased my credit score. The 3 bureaus indicated that Capital One deleted the account and they are the ones who have to reinsert the account back to the 3 bureaus. I had previously discussed this issue with Capital One because the account was showing deleted from XXXX, I received an alert about the deletion. Well, instead of reinserting the paid credit card account, it was deleted from all 3 credit bureaus. I called Capital One today XX/XX/20 after speaking with the bureaus and explained to the representative that according to the 3 bureaus that they, Capital One had deleted the account from the bureaus and they stated that Capital 1 had to reinsert. She didnt comprehend what I was stating, therefore I requested to speak with a supervisor. She connected me to an individual by the name of XXXX, who was extremely rude and unprofessional and he did not have a clue whatsoever in regards to what he was talking about. Hes telling me that the account was deleted from the credit reports because of Corvid 19. I stated to him, that had nothing to do with my account. I paid the account months before the Coronavirus and the account reflected a XXXX  balance. I tried to explain to him that the only thing could have possibly been inserted on the credit reports in general was that it was perhaps a notation of a major disaster, and not reporting late payments for 90 days. I tried to tell him that isnt what was going on in my case. I tried to tell him the account was paid out before the coronavirus and there was no need for my account to be deleted and he again said that is why it was deleted. This XXXX character, from XXXX, FL, kept cutting me off, telling me to wait, informing me I dont know what Im talking about, when I was merely trying to explain what transpired. I got upset and raised my voice and informed him, he was no help, extremely unprofessional, hes extremely rude, clueless and I would like to speak to someone else. He refused & nastily said, he could not help me. He needs to be terminated.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint Regarding Incorrect Address and Name Spelling on Credit Report Dear : Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding inaccuracies present on my credit report, specifically pertaining to my address and name spelling. The information provided in my credit report is erroneous and does not accurately reflect my personal details. 

XXXX. Incorrect Address : The current address listed on my credit report is [ Incorrect Address XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ], which is not my residential address. This discrepancy could potentially lead to misunderstandings and complications in financial transactions. My correct residential address is [ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX ], which I have provided consistently to financial institutions and credit agencies. 

XXXX. Name Spelling Error : Furthermore, my name is misspelled on the credit report. My correct name is [ XXXX XXXX XXXX ], but the report lists it as [ XXXX XXXX, XXXX XXXX, ]. This misspelling not only undermines the accuracy of the report but also creates confusion and may impact my creditworthiness. These inaccuracies are concerning as they could adversely affect my ability to access credit and financial services. I have taken the necessary steps to ensure that accurate information is provided to credit reporting agencies, yet these errors persist, reflecting a systemic issue that requires attention. I kindly request that the CFPB investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I would appreciate guidance on how to prevent similar issues from arising in the future. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXXXXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 XXXX XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX XXXXXXXX, ( 6 ) XXXX XXXX XXXX XXXX XXXX, ( 7 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (SC)

XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the Experian, XXXX and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.
Consumer complaint received 2024-02-26
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the XXXX, Transunion and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.
Consumer complaint received 2020-06-16
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: EQUIFAX, INC. (SC)

XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the Experian, Transunion and Equifax. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I received a notification from a credit monitoring company that on XX/XX/2023, someone opened a new credit card in my name ( or my maiden name ) at Best Buy. I did not open a credit card at Best Buy. On XX/XX/2023, I got a voicemail from Best Buy saying that they tried to send me mail but it was returned as undeliverable. I called Best Buy and they told me the fraudulently opened credit card has a balance, but they were going to close the card because of my fraud report. I don't know anything about the person who opened the account, although they apparently had my phone number as well since Best Buy contacted me.
Consumer complaint received 2020-06-16
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: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union has yet to resolve the pressing matter I have disputed with them in regards to the reporting of inaccurate information on my personal credit report, I have no recollection of this account and have previously informed them that I was a victim of Identity Fraud due to various data breaches. Multiple attempts have been made to resolve this issue with Navy Federal Credit Union. Unfortunately, the problem remains unresolved.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Please see attached copy of our XX/XX/22 letter to three Bank of America ( " BOA '' ) senior executives. 
As explained in detail in our attached letter, on XX/XX/22, Bank of America erroneously charged our XXXX  account {$1600.00} for " XXXX PAYMENT REFUND ''. 
The charge is entirely spurious. 
Whether the spurious charge came about innocently, through a BOA clerical data entry error - or, as the result of fraud perpetrated by a BOA employee or by some outsider who duped BOA staff, there is not now, and never has been, any basis whatever for it. We neither requested nor received any such refund. 
If a {$1600.00} refund was in fact paid, it was paid to someone other than us, via an account other than any account of ours. Regardless, BOA should have, but obviously does not, maintain effective internal controls to prevent any ACH payment refund from being sent to an account different from the one from which the payment being refunded was originally transmitted. BOA management 's failure to have such controls in place is shocking and inexcusable.
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are nit mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX   XXXX {$18000.00} XXXX XXXX  XXXX {$25000.00} XXXX XXXX   XXXX {$3400.00}
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I had an account with XXXX, at the end of the term, I already returned their modem and provided them with the XXXX tracking number, and they acknowledged that the shipment has arrived at XXXX, but they misplaced the modem in the warehouse and can not locate it. However, they kept sending me AmSher for debt collection. 
[ see attachment for proof my shipment, and name of customer service rep who acknowledged they received the shipment ) I called AmSher ( XXXX XXXX XXXX XXXX, AL XXXX ) and they failed to remove the collection. 

This is fraud from XXXX on a massive scale to defraud hundred of thousands of unsuspecting customers who have a modem/router that they lent them to use while being a customer. 

Please take decisive action and fine XXXX before they hurt more former customers like me. 

Thanks so much XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2020-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Good Afternoon Capital One Executive Office ; Listen, I'm going to try this again! This is in regard to an alleged " AUTHORIZED USER '' account that keeps reporting on my credit report which I never gave anyone my personal consent to be added. This is definitely a breach of my privacy and I'm not quite sure that happens. There is a credit card from your company added on my credit report that says that I'm an authorized user and the balance is {$260.00}. To make it clear, I did not authorize anyone to add me and I would like to get this resolved. I was just sitting down with my personal financial advisor and he mentioned that I'm still on this account, and I'm asking AGAIN, that you please remove and delete this account from my credit profile and remove any responsibility.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

Re : Ford XXXX XXXX XXXX I renewed my XXXX Lease ( traded in XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX in XX/XX/XXXX ). I normally have my lease payment set up on autopay and I was under the assumption that nothing would change with the new lease starting since it was still with Ford and it was a simple swap. It was not until I noticed that a paper bill showed past due that I realized something was wrong. At that time, I immediately scheduled the full payment to catch up the bill to be current on XX/XX/XXXX ( only 34 days late for the XX/XX/XXXX payment ). I then went and made sure that it was again set up for autopay later in XXXX. Prior to this paper notice, I never received any notices or warnings or any sort of information that would let me know that Ford would report a late payment to the credit bureaus, especially for a payment that was 34 days late and was paid in full immediately. 

All I am requesting is that this late payment be removed from my credit report. I have no other late payments or any blemishes on my report and I do not feel that Ford handled this situation with any sort of professional due diligence. Had I received a  phone call or anything of that sort, I would have paid it immediately, but no communication was received until it was too late and I was never informed of the late payment being reported until I was attempting to refinance my home and the mortgage broker let me know.
Consumer complaint received 2020-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

this is the 2nd or 3rd time this " agency '' has sent a letter saying we owed money and they will settle it for less. 
We, however, were never behind in any payment to this office. I confirmed this fact each time I received a letter from this collection agency. I believe them to be a complete fraud trying to get money out of people who may not be aware.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MA)

I have applied for refinance of my primary mortgage for 15 years on XX/XX/2020 with XXXX XXXX from US bank. They did a rate lock which was to expire in 3 months. 
They took initial deposit of {$390.00}. 
They collected some documents from me but did nothing, their loan office XXXX XXXX XXXX, just put me on hold for hours together while talking to someone else. After 4 months of doing nothing with my application the loan officer finally said that they have fired their Underwriter who was incompetent and now my loan application will move faster. I asked them to refund my {$390.00} so that I can get my refinance application somewhere else but they refused to refund the money. The lock period expired and the rates went down considerably but they refused to put another lock for lower rate. Now I am in this limbo where I do not know what I can do? The consumer should not be made to suffer if US bank choose to hire incompetent employees who can not do their work.
Consumer complaint received 2020-06-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America again I have been having problems with Bank of America saying they don't receive my payments in time. I always send them Certified and track when they arrive. The last two months they said they didn't receive my equity payments. Although they cashed the checks for both months. Before that In XXXX they said they didn't receive my Mortgage check they also cashed that and didn't apply it to my accounts. 

This Morning I received a email saying they have not received my XXXX Payments. I sent both payments in a envelope and included the account numbers on both checks. 
I sent this as always certified # XXXX the envelope was received on XX/XX/XXXX XXXX at XXXX XXXX. 
This bank has been playing these games for years. Someone needs to regulate what they are doing. If I didn't send it Certified they would say they never received the payments. 
I was all late charges send back or accredited to my accounts including the two months I paid the Equity loan and they said they didn't receive it.
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$120.00} XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXXXXXX {$44000.00}