davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 2021-10-12
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. (TX)

I submitted an online dispute with Experian on XX/XX/XXXX and on XX/XX/2021 I received their result online. The items I disputed were XXXX XXXX XXXX  that starts with XXXX and XXXX XXXX XXXX that starts with XXXX. Experian completed their investigations in less than 3 days. No way was this a thorough investigation process. In my dispute, I have requested contracts with my signature to prove that these accounts are mine. I suspected Experian requested public information from XXXX or XXXX XXXX. Please direct Experian to delete these unknown accounts from my credit report. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.
Consumer complaint received 2021-01-07
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (PA)

This is sort of a long story but the short version goes like this. At the start of last year ( pre COVID-19 ) I began the process of filing my taxes and was successful. I was to receive about XXXX Dollars that would have and should have made a huge difference in my life. At the conclusion of filing my taxes the federal government halted any wage garnishment, tax refund offset and social security off set due to the ragging pandemic which let myself and many other reeling on what to do. Well off course this predatory and useless debt collection company ( Professional Bureau of Collections of Maryland ( PBCM ) ) took my tax refund of about XXXX dollars!. This company is almost impossible to contact and does not return phone calls. I hope this doesn't happen to anyone else and I hope that this issue can be resolved with the company refunding me ever last XXXX the stole from me. This was my tax money that they unlawfully took from me! Thank you!
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

There is an account that I previously disputed and had deleted reappearing on my credit report. It is illegal to reinsert information on my report without notice according to 15USC 1681i ( 5 ) ( B ) ( ii ) ( iii ). This XXXX account was deleted from Experian on XXXX XXXX. Attached is a screenshot of the proof of deletion directly from my Experian account and the law about this reinsertion.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (MN)

I woke up on XX/XX/XXXX with a notification from the bank saying my XXXX $ dollar stimulus check has arrived, so I went to check it and all XXXX dollars was gone. I checked my transactions and 6 different transactions were made stealing my XXXX dollars. They started at XXXX. The bank did nothing to stop these transactions. By the time I notified that bank there was nothing they could do the money was already gone. Ive tried to talk to them everyday since then trying to get updates on the investigation and at XXXX XXXX  on XX/XX/2021 I got an email saying investigation is closing they sent me XXXX . Thats all they recovered outta my XXXX dollars that was stolen from me. The bank is call current and they will not give me a reason why they cant refund me the rest of the XXXX that they couldnt protect from getting stolen in the first place. Ive called the police, ive called the fbi, ive filed for identity theft, ive gotten texts from the hackers. I sent the bank all the information I had. And they are refusing to pay me all my money back that was stolen from me.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a letter from Capital one to recover my funds. Capital One denied my claim although the amount of wire was due to Fraud/Scam. CapitalOne fraud department did nothing to recover my scammed funds except request wire recall without any internal investigation of follow up. MY COMPLAINT WAS NOT HANDLED JUSTLY AND APPROPRIATELY. I do not think they even followed your own processes. After this event, CapitalOne closed by account. since I was a scammed victim, CapitalOne terminated my banking relationship with them. There was no resolution with this situation. I am very disappointed this was not resolved. CapitalOne only responded only after I filed a complaint number XXXX. I believe, had CapitalOne was vigilant in their Fraud department, I may have recovered some of my money. Losing {$20000.00} to a scammer is no laughing matter. CapitalOne denied my claim for reimbursement and closed my case without any resolution nor communication prior to closing my case. I sent the fraud department my evidence which they did not even reviewed. In addition, CapitalOne failed in following up with XXXX XXXX to reclaim my funds.
Consumer complaint received 2021-10-12
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. (IL)

There is an inquiry in my credit report for a company in Rhode Island with a XXXX Illinois telephone number. The telephone number is a scam telephone number. Additionally, Ive not ever requested any type of credit from this company. I sent multiple disputes to Equifax and they continually report this error on my credit report.
Consumer complaint received 2021-01-07
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: BARCLAYS BANK DELAWARE (FL)

Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE (MN)

TCF bank transitioned to Huntington Bank effective today XX/XX/2021. They sent me a welcome packet dated XX/XX/XXXX stating that my account number would change, but did not disclose to me my new account number. Access to my TCF ended XX/XX/XXXX, leaving me without access to my bank account. Huntington stated that I could register online beginning XX/XX/2021 to obtain my checking account number. However this was a blatant lie, they were completely unprepared for this transition and their website does not work. Their automated system refuses to provide me with my account number. I know my account number ends in XXXX as they mailed me a new debit card, thus they have known my new account number for some time but have refused to disclose it to me. When I call in the automated system refuses to provide my new account number, and the hold time is several hours for a representative ( I'm on hold right now and have been all morning ). I would like Huntington to be fined XXXX XXXX dollars for every TCF account they have taken over and failed to disclose the new account number. They should have provided the new account number to me in the mail with their so called welcome packet instead of directing me to their website on a future date, a website that doesn't work. Huntington has caused every TCF customer pain, their transition is the opposite of smooth and simple. They need to pay a fine for their incompetence and negligence. I also feel bad for their employees that have to deal with throngs of angry customers. Please make their board of directors feel some of the pain they have inflicted on all of us.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

I, XXXX XXXX, do not and have never owned or set up a Chase credit card. Supposedly i owe {$70.00} for a purchase i don't even own with a Chase account. Im very frustrated and need to get to the bottom of this if someone applied for a card under my name without consent. I HAVE NEVER SET UP A CARD WITH CHASE BANK AND I NEED THIS RESOLVED ASAP BECAUSE THIS IS NOT MY DOING.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (IL)

On XX/XX/XXXX I spoke with BMW FINANCING SERVICE REPRESENTATIVE from BILLING DEPARTMENT XXXX  XXXX REFER NUMBER IS XXXX. This person verified that this information on my credit report is indeed inaccurate and should be removed from my credit file. 
1. I have never been late with payments on this account.

BMW FIN SVC Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account was closed a while ago. When Covid 19 forced XXXX XXXX 's call center to close, I was unable to make my payments due to my account already being closed for over a year. With a closed account you have to speak to an agent to make a payment. It was out of my control that they're call center was closed due to the pandemic, and I should not have to suffer consequences for that. As soon as the call center opened up, months later. I made my payments. I should not have any late payments on my credit report. It was/is against the law due to National Shut Downs because of Covid 19.
Consumer complaint received 2024-02-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: P&B Capital Group, LLC (GA)

This is my third complaint as I did not find out until today P & B Capital Group hired XXXX XXXX XXXX to harass me, XXXX XXXXargued at me that he is a lawyer and that he is going to sue me for several fraudlent debit card tranactions, When I keep asking for a legit name or address, Im told I am a XXXX XXXX XXXX that dont pay their bills, I was called XXXX XXXX. I was arged at and threated that I would be sued  and possible XXXX  time. When I ask for anything in writing, they tell me that P & B Capital Group already gave me that as P & B capital Group hired them to sue me, That P & B is their client. P & B is harrassing me through their own people and through this second business, I want the harassment to stop,
Consumer complaint received 2024-02-24
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)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the Correction Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$6600.00XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX Balance Owed : {$6600.00}
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2021 we began a dispute with our Fifth Third Mastercard. The dispute was regarding a charge for lodging that was unsafe. We were asking to be refunded the nights that we could not stay at the unsafe cabin. Fifth Third 's dispute team had to handle the dispute as opposed to Mastercard. We were notified on XX/XX/2021 that Fifth Third sided in favor of XXXX XXXX. We asked that the case be reopened and our responses to XXXX XXXX  report be considered. However, we are very concerned that Fifth Third never reviewed our responses as we got no communication from them concerning the new information. The case was reopened and, in essence, immediately closed. We never got a phone call or a letter regarding the closing of the case. We feel that Fifth Third disregarded our facts and responses. When I call the dispute department to clarify why it was closed so quickly after reopening, the associates seem irritated and impatient with me. 
We were charged {$3100.00} by XXXX XXXX and are asking a refund for the nights we did not stay which would be {$2000.00}. 
See attached documents sent to Fifth Third upon reopening of case request.
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THESE ACCOUNTS ARE LISTED ON MY CONSUMER REPORTS AND I DID NOT AUTHORIZE OR SIGNED ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-10-12
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. (OH)

I paid my Account with XXXX XXXX  XXXX XXXX Auto Loan close account as Agreed and they still with inaccurate information balance the correct balance {$0.00} With Status Paid as agreed
Consumer complaint received 2021-01-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (FL)

I recently applied for a mortgage loan with Veterans United. I had submitted all required documents including my reasoning for unemployment during the COVID-19 pandemic. Prior to the preapproval, I had informed my loan officer that I was just starting to work after several months of unemployment. I only had my VA XXXX as my source of income. He assured me that that was fine. Once I started working, I would send in my Paystubs. My loan officer knew that I was just starting to work yet I was still preapproved. With my preapproval, I began searching for a home. I found a home and I paid for an inspection. Throughout this whole process, my loan officer told me that everything was looking good. He reassured that with my credit score and income, I would be fine. Unfortunately, I was denied the loan because I had not worked for 6 months at my current job. My loan officer had known that I had not been employed for that long but he still gave me misleading information. Had I known that I needed 6 months of employment, I would have waited and not spend money on an inspection. I believe I was given misleading information throughout this whole process.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (OH)

Out of the blue I started receiving calls from an unknown number, I called them To find out it is about a credit card debt. I have found out It is my elderly mothers card that I am on and is to be used for Emergency use only. OUR CARDS HAVE AN EXP. OF XXXX! 
My mom said there is No Way SHE has So much charged, We believe a family member got the card and caused this! 
NO ONE WILL TALK TO US AND PROVIDE A LIST OF WHERE THE CHARGES CAME FROM AND WHEN!! We are ALWAYS HUNG UP ON!, And ALL THE COLLECTOR SAYS IS I WANT PAID!, AND ALSO SAID THERE WAS ANOTHER CHARGE AS OF A XXXX DATE? BUT WILL NOT GIVE ANY INFO AND HOW CAN THAT BE WHEN OUR CARDS HAVE EXPIRED?? I NEED SOMEONE TO HELP GIVE ME ANSWERS TO HELP MY MOTHER GET THIS RESOLVED!!
Consumer complaint received 2021-10-12
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. (OH)

I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for XXXX to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. XXXX and Experian have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. XXXX has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX of XXXX. I have been unable to look at my credit report with XXXX. Experian has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by XXXX, XXXX, and Experian. I demand that this illegal way of reporting ceases to exist on my credit report.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

All information XXXX ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) prior to XX/XX/XXXX. XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX XXXX. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying XXXX until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.
Consumer complaint received 2020-07-10
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. (DE)

All information XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX )  is reporting to the credit bureaus is inaccurate for the following reasons. (  Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with XXXX ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) prior to XX/XX/XXXX. XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX XXXX. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying XXXX until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.