davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a free credit report on XX/XX/XXXX from XXXX, and I noticed that there were 5 delinquent accounts under my name opened by an unknown individual. Two of those delinquent accounts were with Capital One : Acct # XXXX with a balance of {$1200.00} as of XX/XX/XXXX and Acct # XXXX with a balance of {$10000.00} as of XX/XX/XXXX. 

I contacted XXXX in XX/XX/XXXX and I started the process of disputing those accounts. Consequently, I had to freeze my credit with all the Credit Bureaus. In addition, I made reports to the POLICE department in my city ( XXXX XXXX, FL ) and to the FEDERAL TRADE COMMISSION in XX/XX/XXXX. 

I found out on XX/XX/XXXX, that an impostor ( probably the same criminal who opened the delinquent accounts using my personal information ) changed my address with the DVM in FL and a driver 's license was sent to an address in XXXX, FL that doesn't belong to me in XXXX. I had to send to the Florida XXXX a DRIVER LICENSE/IDENTIFICATION CARD FRAUD INVESTIGATION REQUEST for them to fix my address on my driver 's license. On XX/XX/XXXX, I received a letter from the Florida DMV informing me that they had corrected my address to my legal and only address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

In regards with the delinquent accounts with Capital One that were opened by a criminal, I have spoken with numerous representatives since XX/XX/XXXX from their Fraud and Recovery Department to no avail. I have submitted to them numerous times via fax and emails the FTC report, the Police reports ( two of them ) and my XXXX XXXX bills from to prove I have been living at my current address for the last two years to no avail since XX/XX/XXXX. On XX/XX/XXXX, I was told by two supervisors from Capital One that their investigations in regards to the delinquent accounts opened by an impostor under my name were closed and that I was responsible for those balances on those accounts. 

I contacted the office of the Florida Attorney General XXXX XXXX recently and I received information from that office in regards to the steps I can take against Captial One to remedy this dilemma. And, that's the reason I am submitting this complaint.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

Cfpb complaint inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This Conpany is reporting inaccurate opening dates, inaccurate High Credit limits, inaccurate Credit Limit, Last Reporting Date, inaccurate Date Last Active, inaccurate date of Last Payment. Each constitutes as a violation and has cause me and my family emotional distress and financial harm. 

XXXX Account # XXXX
Consumer complaint received 2023-03-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-08-11
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: TOYOTA MOTOR CREDIT CORPORATION (CT)

please review these accounts that appear on my credit report, they do not belong to me and are hurting me. 
Identity Theft XXXX CARD  Account Number : XXXX This is not mine. 

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

3. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-11
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: WELLS FARGO & COMPANY (CT)

please review these accounts that appear on my credit report, they do not belong to me and are hurting me. 
Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

2. Identity Theft WFDS  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. and they havent responded in over 30 days.
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (VA)

I applied for an Installment loan with One Main Financial on XX/XX/XXXX. I was not ready to secure the loan after I was approved. Two weeks later I was ready to apply for the loan, and I called the office and spoke to the same representative. I was told that I had to reapply. I explained that if credit information does not change within 30 days, why should I have to apply? She noted that she thought it would be a " soft pull '' on my credit report. I have approved again for the installment loan. To date, I have two " hard inquiries '' from One Main Financial, XXXX XXXX, XXXX, and XX/XX/XXXX. After realizing the two inquiries were on my credit report, I notified the One Main Office, and they said they escalated my issue. I received a notice regarding the confirmation of the hard inquiries.
Consumer complaint received 2021-08-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Location Services Holdings, LLC (KS)

Company XXXX states they will file with XXXX XXXX county if I do not pay {$260.00} for a unpaid Payday loan. They claim it's from XXXX  and they will take me to court. After I spoke to the guy I still got a call and so did a family member stating if I do not call I will be located at there house. They can not provided any proof of this loan from XXXX  and they can not send me anything in writing. Not on my credit report. The voicemail they leave also say this is legal notification by telephone. I asked which court house in XXXX XXXX and any documents but they said they don't have that information that it will be provided to me at court. The payday loan company does not show a loan for me in XXXX. But one over XXXXyears ago. I did tell XXXX XXXX this but said I can talk to the judge or settle this with them.
Consumer complaint received 2021-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I went to college in the XXXX. I consolidated my student loans into Federal Direct Loans XX/XX/XXXX, XXXX. I have consistently been on income driven repayment plans for the last twenty years. On XX/XX/XXXX I should qualify for forgiveness of the balance under the 20 years of repayments. I have been reaching out to Fed Loan Servicing for months and been given the run around. Most of their customer service representatives state that they are not aware of this program, only PSLF, of which I am not at ten years yet.

StudentAid.gov clearly states that : Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years. under income driven repayment plans. 

On XX/XX/XXXX, I received the following email after yet another inquiry on how to apply for forgiveness : Thank you for contacting FedLoan Servicing! 


We are showing that you chanced Income Driven Repayment ( IDR ) plans from the Income Contingent Repayment ( ICR ) plan to the Revised Pay As You Earn ( REPAYE ) repayment plan XX/XX/2017. By changing your IDR plan you started the IDR forgiveness time frame over. With the IDR forgiveness your loans would be forgiven and may be taxable. 

Sincerely, XXXX FedLoan Servicing This is absolutely not okay. FedLoanServicer changed my plan in XXXX  - when I only had four years left to go and now they are telling me that this means the clock started over and I now have an additional 16 years on top of the 20 I have already paid. 

Both plans are IDR plans ( what I was under before, and currently ). Nowhere does it say that switching between income driven repayment plans will mean you start another twenty years.

I have completed all the requirements asked of me to have the remaining balance forgiven, but FedLoanServicer is not allowing me to do that.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECKredi of Kentucky, LLC (NC)

I have gas payment programs for XXXX XXXX and XXXX. I had a couple transactions come back resulting from Non-Sufficient Funds. XXXX XXXX and XXXX used CheckRedi of Kentucky ( based in XXXX, Kentucky ) as their debt collection. I first received a call from them. I have also received numerous texts from them. Not only have they been calling my number numerous times throughout the day ( numerous days as well starting from XX/XX/2021 ) they have also sent me numerous texts. In addition to the many calls they place, they also texted my family members ( sister and father ) AFTER I already successfully made contact with them to discuss my debt/gas programs. I have screenshots and evidence to provide in regards to the excessive calls, texts, and the contacting of my family members. Lastly, I never received written notice from them regarding any debits or any notice saying I could dispute it until AFTER I already initiated payments to them to resolve the debt. 

I believe CheckRedi has violated sections : 805 ( b ) & 806 ( 5 ) of the FDCPA act.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$440.00}
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

I have contacted the office multiple times regarding my account, I am frequently told by the representative that # 1 there is a restriction on my account and # 2 I must speak to a supervisor. I provide the oral permission to remove any communication restrictions regarding the account, once this " occurs '' I am either transferred to a supervisor or their voicemail. No one ever calls me back. The last time I contacted the office, I was told to send an email providing a written statement to remove any account restrictions regarding communication. I have not received a reply to my email and when I called again, I was told that there was a restriction on my account still. I am confused as to why representatives are providing misinformation regarding removing the restriction while we are on the phone and thus have now moved to having me email to remove the restriction IF the task isn't going to be completed. I have contacted the owner of the account XXXX and the servicer XXXX and both companies state that contacting Stillman Law Office to remove the restriction is the only option. The representatives from both organizations do not understand why after numerous calls Stillman Law Office has refused to do their part. 

I have sent over multiple emails and a hosts of faxes to communicate with Stillman Law Office. I have contacted the office by phone a minimum of three times a month regarding the debt. After mailing a certified letter requesting to verify did I receive communication from Stillman Law Office regarding verification. All conversations, emails and faxes regarding resolving the account lead to dead in roads. I am instructed by supervisors to email over settlement offers, payment arrangements etc but I do not ever receive a response.
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (IL)

My identity was apparently used fraudulently to obtain services and credit that I did not have knowledge of or authorize. I have not been contacted ever to apply for credit, authorize credit or discuss the credit by the company, bank or load provider or collections agency. Additionally, the only inquiry to my credit reports has been by collections agencies. The original vendors never made inquiry before granting fraudulent credit in my name. Yet, without any knowledge of these transactions or involvement with obtaining credit, the collections agencies add collections status to my report without contacting me in any fashion. Furthermore, the original collection agency was XXXX XXXX XXXX in XXXX. I disputed this in XXXX with XXXX It was removed. Now, another agency, MRS XXXX, is claiming the same debt ( same amount and same original creditor ) and will not remove the claim. I thought this practice was illegal. I want this to be removed once and for all.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I became aware of a negative mark on my credit from AFNI thanks to XXXX XXXX alerts XXXX. I have never received and email or paper mail explaining I have ANY kind of debt not paid to any creditor to my knowledge. Most of my bills utilize auto pay. 
I have no idea what, how much, or who AFNI is representing. 

Thanks to a XXXX search It was brought to my attention I can submit this complaint.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-07-27
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. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On Saturday XXXX the XXXX at XXXX XXXX I drove my car to the Bank of America ATM near my house. I have banked with Bank of America for over 5 years. I live in XXXX, SC XXXX The ATM ID is XXXX. I tried to deposit my {$2500.00} check. It was sent to me by XXXX. It was my distribution of my XXXX XXXX. I put the check into the atm, it spit the check back out. I signed the back of the check and put it back in. The ATM said transaction canceled and didnt give the check back. The next morning at XXXX XXXX I called XXXX. The person submitted a claim and said I the amount would be pending in my account following an investigation and I should have access to the money after two business days. I am able to see the claim in my online banking app, but after two days since I the claim, no one has called me and I dont have access to the money. I am upset because the bank ATM destroyed my check for {$2500.00}. I worked really hard for that money and Im beginning to doubt if Ill ever get it. XXXX cant send me another check. If my claim continues to be neglected I will sue Bank of America.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (OH)

This is for Barclay credit card : For some reason I was locked out of my phone APP and on-line account. They provided a number for me to call. I have called the number they provided two times and the customer service line once. The first time I was on hold for over 15 minutes and had to end call. The second time I was on hold for over 25 minutes and again had to end call. On my third attempt to the customer service line I was on hold for over 30 minutes and had to end call. I do not feel this is a reasonable wait time. I tried to email them but I have to log in to do so and told I have to call the number provided to resolve the issue. I have no way to access my account on-line. All I am looking to do is unfreeze my account. I don't believe I have a balance but do not want to get charged or a negative credit report in case something unexpected shows up.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made sure payments are on time for this account, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/2023 I deposited a check into Navy Federal Credit Union Mobile deposit requesting Lawful money for any and all past, present and future funds deposited into or transferred out of any accounts held in my name be redeemed in lawful money per 12 USC 411, 95a ( 2 ) for a special deposit. I tried to sign into my account and it was restricted and instructed me to call the branch and when I did that resulted in them closing my account without my consent.