davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OH)

XX/XX/XXXX, I applied for a platinum Card through American Express. I was denied due to a bankruptcy that is being reported in my Experian report. I explained to them that evening that I was a victim of fraud and identity theft and there were some items reporting illegally and incorrectly on my Consumer Report. They stated that I can reply after that item was removed. I informed them that Ive already given a financial asset according to the Uniform Commercial Code, and that was converted into a securities with the ability to be sold to a third party and traded according to documentation submitted by the company to the SEC. XXXX XXXX a representative informed me that I can send an email to the chairmans office and someone would get back to me in 3 business days. I submitted an adverse claim to the chairmans office email on XXXX XXXX and no one returned email, I sent an additional email as a follow up to the same email and still to this day, I have not received response as promised. I called again today, XXXX XXXX and was told by the first representative that he is aware of the application being a financial asset according to the uniform commercial code and that he knows about the uniform commercial code. I asked why I would be denied an extension of my own credit being that I have a security, a financial asset with the ability to be traded across the market according to the financial documents that American Express has on their investors relations and the Security and Exchange Commission documentation. It is also in line with the regulations set forth with the XXXX. The gentleman did not have an answer for that. By the continued denial, American Express is willfully committing securities fraud, tax evasion for not reporting all securities as well. I also explained that XXXX is a third party and therefore the information reported by them is hearsay as well as invalidated. XXXX is already investigating the reporting due to the laws that are violated by their reporting methods as well as being the only credit agency that has the bankruptcy listed. Everyone else has applied with the laws put forth by Congress.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My XXXX  handled all of our bill paying up until XXXX XXXX XXXX  XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My XXXX  always got the mail, I never even had the XXXX XXXX XXXX XXXX XXXX  Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit report says these companies I also have debt with despite me not taking out cards or loans with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (SC)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am unable to determine the expiration date of my 0 % promotional rate on my existing balance transfer. The information is not available anywhere on the website, or on any of the PDF monthly statements. I would like to know when my promotional periods ends, so as not to incur any interest charges.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. ()

Flagstar Bank has a forbearance process due to COVID-19 for those needing to bring loan current, and modify terms. The main issue it appears, none of their systems take to each other. Meaning, if you call to speak with someone, and they input the request does not mean anything. You still must go online and submit the application, which is not clear on requirements, and criteria. I was promised a six-month reprieve until XX/XX/2022. However, I received a " Notice of Default and Intent to Accelerate '' letter stating the {$23000.00} must be paid by XX/XX/2022. 

The notice sent has a phone number XXXX to contact. However, when contacting the office, and no one is available. I have left a couple of messages within the past 2 weeks. The message system even leaves your contact number in the queue for a return call. I'm concerned, the left hand and the right hand are not talking to each other purposefully.
Consumer complaint received 2019-12-17
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. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  XXXX  ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS BOTH OF THE ACCOUNTS ARE FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT.  I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (PA)

Experian removed XXXX XXXX XXXX from my report in XXXX for identity theft now its o back on my report as of today XX/XX/XXXX From the original creditor XXXX. They removed it and placed it back on my consumer report.
Consumer complaint received 2022-01-03
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. (FL)

I have sent letters and affidavits to all 3 credit bureaus XXXX, XXXX, and Experian all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters
Consumer complaint received 2022-01-03
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. (FL)

I have sent letters and affidavits to all 3 credit bureaus Equifax, XXXX, and XXXX all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters
Consumer complaint received 2022-01-03
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. (FL)

I have sent letters and affidavits to all 3 credit bureaus XXXX, Transunion, and XXXX all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

On XX/XX/2022, I received an email that my credit score with Equifax dropped. Upon checking my score dropped XXXX points with no explanation. There are no late accounts or collections are no hard inquiries to cause such a drop. I spoke with representative XXXX who gave me the runaround and XXXX a supervisor how also had no explanation. I was told that they couldn't address this over the phone. I requested a letter and received the run around again. All of my accounts will show paid on time and as agreed. I find that Equifax is being deceitful in their practice and would appreciate this matter being looked into.
Consumer complaint received 2019-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting incorrectly that I am (90 – 120) days late on the XXXX  – partial account number XXXX.  (Please see page attached from my credit report.)  This account reports a $XXXX  balance and $XXXX  past due.  Please keep in mind that it is impossible to be late on an account that has a $XXXX balance.  This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.  I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TN)

Ok, first off I filed a dispute, and then I get another collections on my credit report. Well that is not appreciated and not very good business tactics. I Mean I have no idea who u are or what debt ur trying to get but im the wrong person.Everytime I have tried to get this off of my report it ends up right back on there WITH NO EXPLANATION! so there for if this is not off my credit I will get a lawyer IMMEDIATELY. I have a family to raise and all this covid 19 going on and now I have to deal with a greedy company trying to give me the SAME DEBT TWICE SO THEY ARE TRING TO CHARGE ME IM ASSUMING FOR THE SAME DEBT UNDER 2 DIFFERENT COMPANY NAMES " XXXX XXXX XXXX  '' AND " COMMONWEALTH FINANCES '' THAT ALONE IM CERTAIN HIGHLY ILLEGAL! AND ME NOT EVEN KNOWING WHO U ARE TO START WITH. NO ITS NOT GOING TO WORK LIKE THAT IM NOT THAT PERSON. SO THIS NEEDS TOOK CARE OF AS SOON AS POSSIBLE CAUSE IM NOT PAYING SOMETHING THAT IS NOT MINE UR TAKING FROM MY FAMILY WITH ALL THIS AND I DONT TAKE THAT LIGHTLY. SO THIS IS ME ASKING NICELY TO TAKE IT OFF MY CREDIT REPORT
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out 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
Consumer complaint received 2023-01-22
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: CITIBANK, N.A. (KS)

Our new cards were sent by Citibank ( XXXX XXXX ) mailed to my home address XXXX XXXX XXXX, XXXX, VA XXXX and forwarded to my old address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO, XXXX. Below are all the charges : XXXX XXXX XXXX XXXX XXXX Charges : XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX, KS for the amount of {$230.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$11.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$50.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX XXXX, MO for the amount of {$12.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX  XXXX, MO for the amount of {$12.00}
Consumer complaint received 2021-08-30
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. (TX)

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 2022-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

On XXXX XXXX, XXXX I was notified via email from PayPal that I had sold an oil painting to a collector in XXXXXXXX XXXX, XXXX for {$490.00}. USD. The collector had seen the work on my website. This was a first for me via PayPal. I logged on to my account and minus a fee of {$25.00} my account showed a balance of {$460.00}. On XX/XX/XXXX I had to go to Paypal 's Resolution Center to provide additional information which I gave.I provided a link to my bank account. I called PayPal who told me to upload info about shipping info via USPS which I did. I was told money would be transferable when my package was received by XXXX purchaser. I tracked progress of shipping through USPS and purchaser received the painting XX/XX/XXXX. On XX/XX/XXXX I received an email from PayPal saying my info was under review. On XX/XX/XXXX I received another email from them saying that I can no longer do business with PayPal. I called again. On XX/XX/XXXX XXXX AM another email said my acct. had been partially restored. At XXXX another message said I can no longer do business with PayPal XXXX 
This is outrageous behavior : what have I done wrong? I am caring for a sick wife with XXXX  XXXX and need the money now, not in 180 days as PP said. If this can not be resolved I have no choice but to contact a lawyer and sue, something I have never done in my XXXX years.
Consumer complaint received 2023-01-22
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: FirstPoint Collection Resources (FL)

I am writing to inform you that I have yet to receive any information or documentation from your company regarding a wet ink contract stating that I own the debt in question. Despite my multiple attempts to reach out to your company for the original documents, I have been denied. 

As per the Fair Credit laws, I am requesting that this debt be removed from my record immediately. Failure to do so will result in me taking legal action based on related laws that pertain to this violation.

I have made three attempts to contact your company and request the original documents, but I have yet to receive a response or any information that would indicate that I am indeed responsible for this debt. The Fair Credit laws require that consumers have the right to review and dispute any debt that is reported on their credit report.

I understand that errors may occur, but it is the responsibility of your company to provide me with the necessary documentation and information to properly review and dispute this debt. By denying me access to this information, your company is violating the Fair Credit laws and my rights as a consumer.

I hope that this matter can be resolved quickly and efficiently, and that your company will take the necessary steps to provide me with the original documents and information that I have requested. I look forward to hearing from you soon.
Consumer complaint received 2023-01-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have had multiple hardships including the death of my husband I submitted a completed application for loss mitigation in hope of got ta modification when i came out of forbearance in XX/XX/2021. I was sent an acknowledgment letter from XXXX XXXX XXXX they assured me they sent my file to underwriting but they never answered the application the next thing that happened was they sold the servicing rights to Rushmore loan management company and they wont even talk to me they have been seeking aggressively to take my home, I was approved XXXX from HAF but they wont discuss a settlement with me. They motioned for summery judgement and I am still awaiting an answer on the modification I am a two hurricane survivor i experienced job loss due to Covid 19 right after my husband and co borrower died. I am receiving XXXX XXXX XXXX XXXX and could afford the payment now but they dont want the money. They mis placed funds i paid in lost my escrow a lot of violations have occurred please help me
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (FL)

I dont know which company name XXXX XXXX and XXXX Net Credit This company post some debt on my credit report and I did not own any money with those company. I try to contact them but no one can explain to me where is the account come? They just tell me to pay it, but I have never do any business with those company. Please help me investigate this matter! Thank you so much!
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (NY)

I have these items that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-12-17
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: Experian Information Solutions Inc. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX   XXXX. ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (MD)

I called Truist Banks Bankruptcy Department because I filed Bankruptcy and included Suntrust Bank who Truist apparently bought out. I spoke with XXXX XXXX at Truist Bankruptcy department who pretty much said my Bankruptcy doesn't count and I still owe them over {$600.00} in order to open an account. My question to them was about # 1, how can you ignore a bankruptcy discharge that you were included in and # 2, how can you still collect on an account from 2015? Isn't there some statute of limitations to collect on a bank debt in Maryland? That account is XXXX XXXX XXXX now and the representative insisted that the debt is valid and I believe it isn't.