davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-01
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX, XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00}
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (LA)

I have contacted this company several times. I was advised that they will not remove this account even though I told them that this bill was paid. I also sent emails that XXXX also said this bill was paid i sent receipts they refused to remove this from my credit report. I received a email yesterday stating that they will not remove this inaccurate information from my report. This bill needs to be remove immediately. 
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A negative collection impact for Credit Control Corp, was placed within my credit le in XX/XX/2020. The Act species that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Credit Control Corp : to follow the law : Contact XXXX  at once, or remove this collection account as soon as possible.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I filed a settlement claim with Equifax on XX/XX/2020. I have not gotten my claim and it has been under review for over 6 months. I have contacted the administrator directly 9 times to no avail.
Consumer complaint received 2024-02-27
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-10
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: Credit Plus Inc (OH)

I have filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.
Consumer complaint received 2020-07-09
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. (LA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 12 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 08 XXXX, 12 XXXX XXXX XXXX XXXX XXXX, 12 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 Company Inquiries : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

Around XX/XX/XXXX I received a letter in the mail from my Mortgage company stating my XXXX payment was short some {$300.00}. I promptly called them to ask why my fixed mortgage payment was suddenly short and the response was they felt my escrow account would be short and it needed to be adjusted. I asked for an accounting of how they got to the numbers they were quoting since no tax assessment had been made since I moved in to my property in only XX/XX/2020. I also indicated that I paid my own home owners insurance and it should not be factored into their escrow accounting. After spending about 45 minutes on hold, I was told to prepare an e-mail on their web portal and provide documentation of the home owners insurance payment. I did this and received no notification or follow up to how or what the new escrow amount would be. I continued to make my XXXX and XXXX mortgage payments without issue until this morning when I was notified by my bank that my XXXX payment would be returned from my mortgage company. I am currently back on the phone with them asking why I can not be notified of the current escrow account balance and what the new balance should be. I also want to know why they are returning my XXXX mortgage payment without notice. 
Since AmeriHome Mortgage has taken over my account, they have been unhelpful, uncommunicative and most importantly dangerous to my credit and good name. If this results in a negative report on my credit I hope there is something you can do to put them on notice.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I made a payment for my XXXX XXXX  due date on XX/XX/2024. 
On XX/XX/2024 I made a payment for my XXXX payment. It was not put towards my XXXX payment, they reversed that payment for my XX/XX/2024 payment, but I had already made that payment. Rep and supervisor said they didn't know where it states on my CC agreement/contract, but that was just the way it works.
Consumer complaint received 2023-02-09
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XX/XX/1969 ; XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.
Consumer complaint received 2022-11-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

XXXX XXXX, a lender from Paramount Residential Mortgage, deceived me into believing that the Federal Housing Administration required me to purchase discount points to purchase a home. XXXX XXXX repeatedly stated that the {$8200.00} I questioned would go directly to FHA to buy discount points. XXXX XXXX also claimed that he couldn't lock my interest rate immediately after receiving my loan application and disclosure. XXXX XXXX stated that he needed a completed home appraisal before he could lock in my loan. XXXX XXXX waited two days to lock in my interest rate during inflation. This time lapse caused my interest rate to increase from XXXX to 7 %. Per XXXX XXXX, this increase left him no choice but to charge me for more discount points. After further research, contacting FHA customer service, and speaking to a HUD counseling representative, I discovered that XXXX XXXX 's claim regarding discount Points was false. 

After obtaining this knowledge, I was confined to my Realtor, XXXX XXXX, who did nothing to protect me from this situation because she worked with XXXX XXXX often. XXXX XXXX reported to XXXX XXXX that I would seek out new Leaders. 

In anger, XXXX XXXX contacted the seller 's listing agent in an attempt to force me to sign and pay for the discount point. 
With the help of my realtor XXXX XXXX ( who XXXX XXXX recommended that I use ), XXXX XXXX successfully forced me to pay for discount points that weren't required. XXXX XXXX, a lender from Paramount Residential Mortgage, deceived me into believing that the Federal Housing Administration required me to purchase discount points to purchase a home. XXXX XXXX repeatedly stated that the {$8200.00} I questioned would go directly to FHA to buy discount points. XXXX XXXX also claimed that he couldn't lock my interest rate immediately after receiving my loan application and disclosure. XXXX XXXX stated that he needed a completed home appraisal before he could lock in my loan. XXXX XXXX waited two days to lock in my interest rate during inflation. This time lapse caused my interest rate to increase from XXXX to 7 %. Per XXXX XXXX, this increase left him no choice but to charge me for more discount points. After further research, contacting FHA customer service, and speaking to a HUD counseling representative, I discovered that XXXX XXXX 's claim regarding discount Points was false. 

After obtaining this knowledge, I confined my Realtor, XXXX XXXX, who did nothing to protect me from this situation because she worked with XXXX XXXX often. XXXX XXXX reported to XXXX XXXX that I would seek out new Leaders. 

In anger, XXXX XXXX contacted the seller 's listing agent in an attempt to force me to sign and pay for the discount point. 
With the help of my realtor XXXX XXXX ( who XXXX XXXX recommended that I use ), XXXX XXXX successfully forced me to pay for discount points that weren't required. The only option I was given by XXXX XXXX and XXXX XXXX was to sign the closing documents or lose my {$20000.00} Deposit. 

.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a Bank of America Visa Credit card. Below listed cash transactions were done For the the year 2020 total amount {$270.00}. These transactions were provided by Bank customer services Supervisor XXXX. 
Total fees charged {$270.00} and Interest charged {$11.00} I called the Bank and explained as an example for {$1.00} cash transaction you are charging {$10.00} fee plus interest this translates into 1000 % interest which you may call it as a fee.

I requested to waive off the fee of {$270.00}. Bank representative said charged as per the agreement. I said you have agreement-agree. But from fairness and reasonableness standpoint how can you charge 1000 % for {$1.00}. XXXX Supervisor created a ticket XXXX. I asked within the company is there any department i can bring this to the leadership attention. He said NO. There is no email or physical address provided for reporting. I requested to send an email of the charges and conversation and decision. Bank said NO, we don't send emails or send letters on this issue. I called another time but still the same answer NO. 

I think these charges are unfair, and unreasonable, can CFPB intervene and help on this issue. 
Attached document.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I booked a four night trip through XXXX XXXX for a trip to XXXX, Florida for the dates XXXX XXXX XXXX. There were two payments to process, the first in the amount of {$640.00} in XXXX processed normally. The second payment that was supposed to process sometime in XXXX of {$620.00} failed to process due to credit limits on my Bank of America credit card. It is the companies policy to notify its customers of this, however, I was not notified. Instead my vacation reservation was cancelled by the company without my knowledge. I never got to go on my trip and when I tried to rebook the stay at the same residence it had already been booked by someone else. Neither Bank of America NOR XXXX XXXX notified me of the failed payment. The email address on file with XXXX XXXX is not a working email. I had informed XXXX XXXX of this several times prior to this issue. I even tried to change my email address but they would not allow me to due to the way the system is set up. Come to find much later after the fact XXXX XXXX tried sending two emails to a non deliverable email that I used 5 years ago when I was in college XXXX ) to notify me of the failed payment. You would think that once air bnb realized the emails were non deliverable they would have tried to contact me an alternative way ( via air bnb messages or through telephone ). But no they instead cancelled my reservation. Due to the hosts policy if a reservation is cancelled 2 days after booking they are entitled to 1/2 of the cost of the trip ( XXXX ). I understand this policy however I did not cancel the trip. It was cancelled on my behalf. Had the company contacted me through an appropriate means to notify me of the failed payment I would have resolved the issue. Instead, not only did I lose {$640.00} but I also lost at least 24 hours on the phone/messaging with airlines, air bnb, my bank, my family and the host trying to resolve the issue at hand. My bank, XXXX  XXXX, the host and the airlines did not refund my money. I am out at least {$640.00} for the reservation for a trip I never got to take as well as my non refundable flights as well as the time spent trying to resolve these issues. Not to mention, being treated like a liar and thief is not appropriate either. The host of the XXXX XXXX was extremely rude and unforgiving during this entire situation. I work 65 hour weeks and have very little time to resolve these issues. I do not appreciate the way my bank failed to resolve the disputed charge without even allowing me an explanation as well as the way XXXX XXXX has handled the entire situation.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Strategic Alliances, Inc. (OH)

Re : case # XXXX XXXX First Portfolio Ventures in XXXX XXXX XXXX Plaintiff told court that they had 'perfected service on me ' regarding this case. 

From middle XX/XX/2020 to late XX/XX/2020, I was hospitalized with a life-threatening medical emergency and required XXXX XXXX XXXX XXXX XXXX. During this time, I was completely unaware that any proceeding was being levied against me by First Portfolio Ventures I LLC through their legal counsel of XXXX XXXX. 

Because of this life-threatening medical emergency, I was physically incapacitated and could not have made any kind of response even if I had known that this was going on. Proof of Medical Records of this can be provided upon request. While I was in the hospital and in rehab, there was no one authorized to sign any signature cards for certified mail on my behalf. 

I believe that XXXX XXXX has submitted falsified documentation to the court that they perfected service on me. I requested that the documentation they submitted to the court be provided to me for verification of signature. None has been forthcoming. 

I consulted an attorney on this and was told " Mail carriers have been signing for certified mail deliveries themselves during the pandemic. This may have happened in your case. You might be able to get the default judgment thrown out if that is what happened. ''
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

To whom it concerns, in a previous response Navy Federal Credit Union. Advised me they received my notice of discharge XX/XX/XXXX. Chapter XXXX discharge in bankruptcy. It was stated I could re establish my membership if I met criteria. I still meet the criteria, but when I called to re establish my membership on XX/XX/XXXX. I was told that I couldnt re establish it until I talk to collections. It was told to me there was a negative share and checking account negative over {$3000.00}? I dont recall ever making said transactions especially not for that amount. My account was not accessible so how is that possible? Additionally I included that share and checking account in my bankruptcy filing which has been XXXX. Yet Navy Federal doesnt update their internal system reflecting such. I would like to re establish my membership. Im not sure where the {$3000.00} in charges came from since I havent had a debit card for that account since XXXX. Please assist me in updating your records correctly so I can open a new share.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX i was trying out traffic system, they gave me something else .So i canelout i sent to company, and i went through XXXX  i made complaint, l they refused me too give me my money back.So i went to Capitalone told them.XXXX XXXX was posted.Cancel on XX/XX/2019 i got charge XXXX plus interest fees. Company XXXX XXXX, Capitialone gave me Refund.but Capitalone rebilled me recharge me {$18.00}, for fraud.
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 — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

THD/CBNA - Home Depot Citibank North America keeps issuing hard requests on my consumer credit even thought I have requested numerus times that they do not do that any more!!!