davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone has stolen my identity and added accounts to my credit history I don't even know of. I am not sure how but I am determined to get this resolved because I am on the verge of losing my job! All because someone somewhere is acting as me or impersonating me somehow. I did not consent to any of these accounts and will like them removed immediately!
Consumer complaint received 2020-06-11
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: CURO Intermediate Holdings (IL)

I have settled my account for {$800.00}. The balance was {$1200.00}, and the collection is showing that I owe {$430.00}. I have filled disputes.and its coming back as accurate. Thats ridiculous.
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have many attempts to remove some items from my credit that does not belong to me. I think they are caused by identity theft. I am often out of town or the country for government contracts. Someone may have used my information. I sent a letter to the credit bureaus on XX/XX/2020, but that situation has not been resolved.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (NC)

XXXX  XXXX XXXX  : Not Mine XXXX XXXX : Not Mine XXXX XXXX : Paid them off and will not remove the account XXXX XXXX : NeverLate
Consumer complaint received 2020-08-11
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)

My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the XXXX breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXXXXXX {$110.00} 2 ) XXXX XXXX {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX  {$730.00} 5 ) XXXX XXXX {$60.00} 6 )  XXXX {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 )  XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 )  XXXX XXXX {$500.00}
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened my CapitalOne SavorOne credit card account in XX/XX/2019. When I applied online, the CapitalOne website offered me a new card member offer which stated : Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening Further, it also offered me 0 % APR for 15 months and it stated : 0 % intro APR for 15 months ; 15.49 % - 25.49 % variable APR after that When I got accepted, the website said congratulations you are approved and your card will be delivered. I have not been given the cash bonus after spending {$500.00} within the first three months and I am also being charged interest on my purchases. I have different terms and conditions agreement than what was represented to me when I applied for the credit card. 

I called the company and asked them why do I have different terms and conditions? They said we did not approve you for what was advertised. And I asked them why was I not notified about change in terms and conditions? The guy said we are sorry but we can't do anything now. Its just a small interest amount so pay it otherwise we might report you. 

I have been trying to resolve this issue and one of the CapitalOne customer service agents agreed that this might be false representation on our side. So he opened a case for my complaint. The application department got back to me and said there is nothing we can do, it is above than my powers and we will not accommodate you.
Consumer complaint received 2022-10-30
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (TN)

DEAR XXXX! 

I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like LVNV FUNDING  NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND XXXX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH FIRST KEY BECAUSE OF THESE COLLECTION AGENCIES AND XXXX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.
Consumer complaint received 2020-06-11
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. (CO)

I called equifax fraud department and asked if they had already had my police report and stuff on file from last year and they didnt. I was trying to dispute unauthorized inquires and wouldnt dispute them and I cant get a hold of XXXX  where someone could help me.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (AL)

I have been in regular contact with my previous mortgage company about their reporting of my account on my credit report. They have agreed to remove late payment and account entirely from my credit report and have not done so. The account is paid in full and they have not yet removed nor will they submit to me a statement of removal, even after disputes through credit agencies.
Consumer complaint received 2020-06-11
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Consumer complaint received 2020-06-11
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. (GA)

XXXX XXXX XXXX  is trying to collect on behalf of XXXX XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (CA)

I opened an account with them 4 years ago and they immediately closed my accounts without providing any reasons at that time. I chose to submit to humiliation at that time. However, I was trying to give them a second chance last week but they did the same thing again - closed my checking and saving accounts on the second day that I opened them. Again, no reasons! I have banked with serval banks and never seen such a ridiculous bank like XXXX. Will never do any business with them anymore for my whole life!
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received a letter from XXXX XXXX  about my XXXX credit card account. The letter stated that my credit limit with XXXX was decreased from {$900.00} to {$260.00}. Which my balance is about {$220.00}. I have been having this account for about 5 years. Never had a problem with XXXX or the financial institution before. When I called XXXX to find out what the problem was, they told me that I had to call Transunion ( reporting agency ) to dispute the information in the letter. I informed them that I pay XXXX XXXX   and not Transunion for my XXXX account. XXXX had run my credit and I did not give them permission to run my credit again. Initially my credit was run and this is how I got the account. I did not give XXXX permission to run my credit report, when I have an open account with them. I did call XXXX, and they could not give me any answers, but that's ok because I know they were wrong in doing so. I am going to pay this account in full as of XXXX XXXX. I want this complaint to be filed against XXXX XXXX  and if possible against Transunion. The information that Transunion reported is incorrect, and I want it removed. I called Transunion and their operator was not in the United States, and they could not even communicate with me about my problem.
Consumer complaint received 2020-06-11
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

A collection agency called Sunrise Credit Services flagged my account on XXXX credit report on XX/XX/2024 stating that I supposedly owe {$1800.00} to an electricity utility company ( XXXX XXXX ). The account is not mine and the name they have on file is not my name. I called the electricity company on XX/XX/XXXX and XX/XX/2024 and they could not find anything on file with the information I provided to them. This collection agency never sent any official document, they just placed a collection on my credit report. 

I called the collection agency as soon as I got the notification from XXXX that my account had been flagged on XX/XX/2024 and also called them again on XX/XX/2024 and the people I spoke to were very verbally aggressive. They didn't want to provide me a validation letter of the debt. They asked for personal information, which unfortunately I made the mistake of providing them with my SSN. I read online that this company is known for this shady type of business and they have been doing that for a while. I already disputed the collection with XXXX. This company wants to make me pay for a debt that is not mine. My biggest concern is that I provided them my SSN. I froze my credit with XXXX, XXXX, and transunion. Any help would be appreciated.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Attn : XXXX XXXX XXXX, CEO BANK OF AMERICA N.A XXXX XXXX XXXX XXXX XXXX, NC XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX Bank of America # XXXX Foreclosure case # XXXX XXXX XXXX XXXX  MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSE As the Pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 

Since XX/XX/XXXX, our property has being victim of three ( 3 ) WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the ACE 2006-FM2. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of XXXX and its reputation. 

This account previously serviced by Bank of America N.A ( BANA ) was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release. 

The XXXX Family request XXXX/BANK OF AMERICA to dismiss the Wrongful Foreclosure case # XXXX and release property XXXX XXXX  XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

I have a loan with CB/VICSCRT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CB/VICSCRT with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-06-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

I was in the process of refinanceing my Mortgage, which I started in XX/XX/2020 I was working with someone from Lakeview Loancare Loan servicing, I had submitted all the info paper work and such and was told I would be closing the end of XXXX. I revieced an email on XX/XX/XXXX From XXXX XXXX Mortgage loan officer not to make my XXXX payment that we were close. I emailed hime several times and he responded that we are all good and close. well when I didnt hear anything back by XX/XX/XXXX I started to call the customer service line because XXXX was not answering my phone calls or emails. I found out that they kick out my refiance because I was 30 days late on my payment. I spoke to a few managers XXXX XXXX XXXX for one who said he was going to see what he could do .. I also spoke to a Mo XXXX and it is now a week later and I have heard nothing back. I made XXXX and XXXX payment now. but I want this refinance they had me locked at 3.1. This is not my fault and terrible costumer service on their part.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FORD MOTOR CREDIT CO. (NY)

I have a loan with FMC-OMAHA SERVICE CT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FMC-OMAHA SERVICE CT with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Around XXXX XX/XX/XXXX time frame, i was issued two store credit cards at Rooms to Go and Value City Furniture stores through Synchrony Bank . I received mail notification dated XX/XX/XXXX that the bank was closing both of the accounts listed. The reason given was based off my credit report/ score.1 ) Too  many Revolving Accounts ( i have no new credit, the same account on my files was there in XXXX when they approved my accounts ), Not enough balance paid off ( My Value City Card {$2000.00} plus balance was paid in full within 12 months on a 36 months finance, there hasn't been any new charges since the initial purchase in XX/XX/XXXX ). To many bank cards with high balance ( I've had the same credit cards now that i had in XXXX when i was approved for the cards in the complaint ), Too many delinquent accounts ( some of the collections on my account is not mines and the credit card accounts with a discrepancy accounts showing closed have been on my credit report since XXXX when these a cards was approved ). Since I've had these cards I have never been late or delinquent on a payment, I have paid my account at least 15 days early each month unless i had paid the account in full in-which Value City has a XXXX  balance.Based on my conversation with their customer service rep is the evaluate customers every 90 days, if so why did they elect to close my account now when the country has been going through a pandemic over the pass three month although the world is going through this time, i have still manage to make on time payments and my credit score is better now than it was when Synchrony Bank done their previous evaluations. I feel that this adverse action was taken out of retaliation based on a dispute i submitted in XX/XX/XXXX of a purchase i made in XX/XX/XXXX where Value City Furniture ordered and delivered me the wrong items and when they refuse to make the corrections I contacted Synchrony Bank where they conducted an investigation and on XX/XX/XXXX issued me a letter crediting my account for the mistake that Value City made on my account. After the credit adjustments was made I received two letters dated XX/XX/XXXX stating both of these accounts was being closed by the bank. Most credit companies if they felt a credit risk and you have been at good standing with that institution a length of time they will lower credit limit verse act in a way to help destroy a customer credit..
Consumer complaint received 2020-08-11
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: General Motors Financial Company, Inc. (MA)

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XXXX XXXX, XXXX XXXX, XXXX XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NJ)

I received a check from a user with {$2800.00} on XX/XX/XXXX and made the deposit to my Chase checking account. The status becomes from pending to deposited on XX/XX/XXXX and balance increased by {$2800.00}. After I saw the amount came to my account, I made a payment {$700.00} to the user too by Chase XXXX quick pay within the Chase.com. On XX/XX/XXXX, the check shows returned, the bank deduct {$2800.00} from my account, and I tried to contact the user, the user doesn't reply the message/phone/email. So I contacted the Chase bank, they just tole me nothing they can do from their end. The chase continues to deduct the amount from my account, and can not reverse the following payment I did. Chase has very misleading information which is a high risk for all the customers. It shows the money came to my account then reverse it the next day.
Consumer complaint received 2020-08-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ) and BK OF AMER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) and BK OF AMER with no successful resolution. There was definitely an error on their part.