davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Financial made an offer on their XXXX Page in early XXXX offering to help their customers through the COVID-19 crisis. Based on this offer, I made a request for a Credit Line increase. Despite a near perfect payment record ( one late payment ) with my Credit Card account, and a perfect payment record with my Auto Loan with Capital One, this request was denied on XX/XX/XXXX,
Consumer complaint received 2020-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

My family and I are going through a difficult and stressful  situation made even more stressful by my new mortgage holder, M & T Bank. Just before XXXX last year we discovered that our dishwasher was leaking for quite some time. It was to the extent that our kitchen and adjacent bathroom floor were damaged, and mold had started to grow. The workman who discovered the leak advised us to contact our insurance company. The insurance company sent in teams to block off the kitchen area, remove the counters, flooring, and to conduct mold abatement. When this was completed and the tests came back negative, the insurance company recommended a contractor, XXXX XXXX XXXX, to reconstruct the kitchen and bathroom. We signed a proposal with them and they were scheduled to start after the XXXX holidays. 

On the day the contractor started work, I paid {$2500.00} towards the half of the {$31000.00} we agreed to pay them at the start. The remainder will be paid when the work is completed. Around that time we received a check from the insurance company for {$24000.00} made out to myself, my wife XXXX, and M & T Bank. 

XXXX took the check to the M & T branch in XXXX XXXX to get it endorsed. They refused and instead gave her a number to call. They also advised her to get a home equity loan. XXXX called the number and was given an address and information to mail the check along with several documents. She complied, endorsed the check, and posted it with the documents. This was over five weeks ago. During this time, we received at least five calls from the bank requesting all manner of seemingly unrelated additional documents : some documents we already sent to them, some documents we don't possess, and some documents that are completely unknown to us. 

We sent the check to be endorsed and returned so that we can pay the contractors for their work. Instead, M & T Bank cashed the check and is now holding on to the funds. As a result, work has stopped on the repairs and my family and I are without the use of a kitchen and a bathroom, 162 days and counting. We are unable to even accommodate our son with XXXX at home because of this situation. Given the current state of affairs and the restrictions brought about by the coronavirus outbreak, there is no telling when our hardship will be resolved. All this difficulty my family is facing could have been avoided if the bank had done the right thing in the first place. 

To make matters worse, the insurance company refuses to compensate us for the continued inconvenience, even though it is a coverage included in our policy. 

We would greatly appreciate any help or advice you can provide.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Im a victim of identity theft someone got my XXXX  card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Consumer complaint received 2020-03-23
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. (NY)

Im a victim of identity theft someone got my XXXX  card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eagle Accounts Group, Inc. (TX)

CHILD SUPPORT PAYMENTS ... ... OAG CHILD SUPPORT ENFORE IS ON MY CREDIT REPORTS ... ... THESE ARE NOT MINE PLEASE HELP ... credit scores are in bad shape due to this being on my accounts .... there 10 's of thousands XXXX XXXX IN TEXAS ... PLEASE HAVE THESE DELETED .... THANK YOU
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We closed our Capital One account a few months ago after the general public learned they had been hacked. The company had no problem doing this. For the past couple of months we have been unable to access our account online but Capital One is still taking money from our checking account on a monthly basis since we did set up auto pay. The last payment was withdrawn on XX/XX/2020. We did not receive either a statement or a notice that the payment was made. We called Cap One today XX/XX/XXXX-20 beginning at XXXX and after being transferred 3 times and almost 2 hours later we were cut off and no resolution to our problem took place. 
Our first call ( after a 10 minute wait ) was answered by XXXX who stated she could only do verifications and transferred us to another person ( after a 20 minute wait ) named XXXX or XXXX or something like that. She had a heavy accent. After several times trying to understand our problem she said she couldn't help because the account is closed and we were transferred to another place. After a 1 hour hold we were cut off without speaking to anyone. 
We are frustrated and feel ripped off that we are not able to see our account but yet they are taking our money. 
We aren't sure if Capital One is practicing fraud, deception or just plain bad business but we want online access and out of this card completely.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$580.00}
Consumer complaint received 2020-03-23
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: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/XXXX Regions deleted from XXXX  & XXXX  credit reports Long term Good Credit Never Late Paid Early {$50000.00} Mortgage Loan information IN RETAILATION TO MY ID THEFT REPORT XX/XX/XXXX OF REGIONS CREDITCARD.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2020-03-22
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. (GA)

On XX/XX/XXXX I noticed several inaccurate and erroneous information on my credit report accounts, and discrepancies that cause my credit score to take a deep dive in scores. I am submitting this complaint pursuant to FCRA 15 U.S.C. section 1681 ; 1. I noticed that XXXX  account is reporting that I am not paying on the debt owed. I state that I made payment arrangements with XXXX  and I have met the agreement by paying more than the minimum arrangements. The reporting from XXXX  is incorrect.

2. I contend that FICO, Equifax, XXXX, and XXXX  all credit bureaus have applied unfair practices to calculating my overall credit score. I state that my payment history is more than 90-percent and I have no Derogatory marks or collections on my credit report.

However, my credit score is lower than when I had numerous accounts owed on and collection acccounts on my credit report more than three years ago.

3. I state that the credit score is not consistent with my overall credit score which was XXXX in XX/XX/XXXX. I contend that my credit score is not fairly calculated and assessed by the Credit Bureaus. 
Therefore, I am requesting an investigation into this matter and ask that this Bureau review my claims and order the Bureaus to re-calculate my credit scores in keeping with Fundamental fairness practice.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (GA)

XXXX is obligated by the FCRA to report accurate accounting. A charge off account from Kia Motors is reporting on my credit report. According to IRS publication Topic no. 431, Canceled debt Is it taxable or not? States : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. 

A charge off is considered income by the IRS and income can not be reported on my credit report. 

Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This charge off displays under XXXX  reporting system only.
Consumer complaint received 2024-01-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EGL US, LLC (FL)

Account was discharged through Bankruptcy filing in 2018. Balance is still current and has ballooned up to XXXX from XXXX that I originally owed. I have called, emailed, and sent letters requesting this to be removed and they won't bulge. They are violating the bankrupcty laws and FDCPA.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESE COMPANIES.
Consumer complaint received 2024-06-24
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. (NV)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-23
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. (NV)

I have a few items on my credit report that were reported as fraud, and no knowledge of the accounts, and the credit reporting agencies simply notified the creditor who said yes we believe this is his and just continue to report Agent information on my report even when Ive asked for copies of signed applications of purchase receipts and supplied a police report and identity theft report I get nothing back other than weve investigated this and the creditor said it was valid
Consumer complaint received 2024-08-21
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing me significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX has been reinserted onto my credit profile without notice as required by law. Please see attachment for further details
Consumer complaint received 2020-03-23
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)

Im a victim of identity theft someone got my XXXX  card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (CA)

( Related to XXXX-XXXX-XXXX  # XXXX & FTC XXXX with XXXX & FTC XXXX with XXXX  ) On XXXX, Discover approved COMPLAINTANT 'S credit line application that was pre-approved. After that, COMPLAINTANT has put in a separate application for a checking account. SSN, Passport, Driver 's license, and utility bills were all uploaded for each application. However on XXXX, when COMPLAINTANT called Discover, its representatives and COMPLAINTANT had the calls disconnected for 8 times until 9th and 10th calls went through. ( After each time COMPLAINTANT stated his SSN, DOB and address, calls were suddenly disconnected ). Later on there was an error on the application which required COMPLAINTANT to put in another application to successfully generate a check account. On XXXX around XXXX XXXX  PST, COMPLAINTANT attempted to setup a XXXX profile within Discover banking website. COMPLAINTANT is a user of XXXX cellular tower in the area via mobile-virtual-network-operator " XXXX XXXX. '' Discover uses SMS number XXXX to send temporary passcode to its users. However, from XXXX to XXXX XXXX, COMPLAINANT has experienced delays in receiving these codes via SMS text or emails. Sudden surge of text messages within 2 second span of time clearly shows that some other factors were preventing these messages/calls from going through. This has been a recurring issue and COMPLAINANT has corresponded with " XXXX XXXX '' around XXXX and its representative has indicated that there's no widespread issues with XXXX  cell-tower affecting other users in COMPLAINTANT 's area nor in general. " XXXX  XXXX '' indicates that this is possibly due to usage of " femtocell '' or cellular network / IMSI catcher/ etc in COMPLAINT 's neighborhood area as no issue is reported with XXXX network nor " XXXX XXXX '' customers in general. On a different note, COMPLAINTANT has reached out to Discover on XXXX at XXXX XXXX for XXXX XXXX/XXXX issue. Its debit card remains on XXXX XXXX XXXX/XXXX  system yet credit card was not being added to XXXX XXXX system. Discover representative has blamed XXXX for refusing to allow its card on its system. COMPLAINTANT wonders how many of Discover or XXXX XXXX customers have their credit cards not be added on XXXX XXXX system. On XXXX XXXX, COMPLAINTANT has emailed Discover per its request for investigating this issue further.
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I filed an FTC report on XX/XX/2020 when I discovered that I had been a victim of identity theft. Capital One Bank USA N received a letter for 2 identical accounts reporting to my credit file. The letter was mailed certified return receipt and it was ignored. Capital One Bank USA N 's account is reporting the amount of {$1800.00} with another company ( XXXX XXXX XXXX ) also reporting the same account with a balance of {$1800.00}. The same amount due, proving the debt had been sold. ( 3 accounts total ) NO CONTRACTS WERE PROVIDED to show the amount paid for the alleged debt. 
XXXX XXXX XXXX received the exact letter mailed to Capital One Bank USA N also certified return receipt and XXXX XXXX XXXX and 1 of the Capital One accounts was removed from my credit file within the 15 days as requested in my notice. Neither company has responded. It has now been more than 30 days. 
All information was also forwarded to XXXX, XXXX, XXXX, XXXX XXXX, & XXXX because Capital One Bank USA N had still not responded. 
It had came to my surprise that XXXX, XXXX  , & XXXX  had all allowed Capital One Bank USA N 's fraudulent account to update on my credit file and decrease my credit score. I sent Capital One Bank USA N another Notice certified return mail received XX/XX/2020. Capital One Bank USA N is  aware this is a fraudulent account and on XX/XX/2020 Capital One Bank USA N EMAILED a bill requesting payment arrangements. 
Capital One Bank USA N 's response did not include a MAILED signed letter under penalty of perjury by the authorized representative of Capital One Bank USA N.

Capital One Bank USA N has not provided any documents proving their account belongs to me, they are not HOLDERS in DUE COURSE with the original contract signed by me with my wet ink signature and they are fraudulently updating my credit file. 
This account is listed as closed/charge-off and is currently updating in violation of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq.

If this account is not removed from my credit file immediately I will be forced to sue Capital One Bank USA N for damages for repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq. 
No further action will be taken against the Capital One Bank USA N and the XXXX XXXX XXXX accounts that were removed. 
Attachments included.
Consumer complaint received 2020-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

Great Lakes Student Lending XX/XX/2020 I sent email to complaint department about Billings and telling them they are emailing me past due notice and telling me Im past due for future payments. I again called today and spoke to XXXX in customer service and she filed more information. I have faithfully paid this over many years and the billing is stressful because its very threatening and its against the FDCPA to tell me Im past due when Im not due. I have paid from over $ 50k down to $ XXXX and this is a clear violation.