davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft. Someone fraudulently opened a Checking account with XXXX  XXXX XXXX XXXX and A credit card with a {$5000.00} limit that was maxed out. This occurred around the time my car was stolen in XXXX of XXXX ( My wallet was inside my middle console ), They are also a Capital One card from XXXX That doesn't belong to me. My first situation with identity theft occurred in XXXX and then again in XXXX and again in XXXX and now in XXXX and XXXX. I also have been informed that someone has opened an apartment online in my name at XXXX  XXXX. I have never lived there
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 2020-04-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Unfortunately I have a Auto Mortgage with XXXX XXXX. Because of recently evolving COVID-19, I called on XXXX XX/XX/2020 and talked with a representative and finally settled down an extension for 3 months. I am unable to pay from XXXX, 2020. Because I am jobless for 3 weeks due to " Stay at Home ''.  They agreed in this point. But they took their payment as it was auto payment on XXXX XX/XX/2020 ( {$460.00} ).

From then I called and talked with representative several times. They didn't give me any proper answer even one of representative today transferred my call to someone and I have been waiting more than 1 hour and call dropped or they disconnected!!! I have my call records.

I am right now jobless from last week because of COVID-19 reason and staying at Home and employer is not paying me. I am in trouble with very low balance in my bank account!!! I don't know how I will manage myself in this crisis situation.
Consumer complaint received 2022-11-05
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. (GA)

This is my other 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 alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; XXXX SELF-REPORTED XXXX Balance : {$10.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; 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 XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 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 2024-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> I disputed several inquiries that appeared on my credit report. Those inquiries were unauthorized. Capital One Auto Finance was on my credit report XXXX times, however was supposed to be on there XXXXne time. I notified the bureaus and let them know to dispute the unauthorized inquiries however all inquiries were disputed. One of the inquiries that were disputed was connected to my actual automobile loan at Capital One. 

On XX/XX/year> ( almost two months later ), my installment loan from Capital One was removed from my credit report AND my ability to monitor my account was blocked online by Capital One. I contacted Capital One to find out what happened and they advised that XXXX blocked my account from being reported due to suspected fraud. I let them know that the account was not identity theft and that I had possession of my vehicle and they advised me that they would close the fraud case and send a letter of reinsertion to XXXX and the remaining bureaus so my account could begin reporting once again. 

I spoke to XXXX and they advised me that they did not block my account from Capital One and that Capital One was the one who blocked the reporting of the account. XXXX escalated the situation to higher management who further confirmed that they did not block the account. They advised that if Capital One wanted to resume reporting, they would have to contact XXXX and request for it to resume reporting. 

Capital One states that XXXX is responsible for the account being blocked. XXXX states that it is documented in the communication sent from Capital One that Capital One is the one who is blocking the account. I had someone from the Office of the President to call me today and advise that there was nothing that they could do as it was not their responsibility. 

I need my account reporting on my credit report and I need access to the app on Capital One to monitor my account and be able to make payment. Please make the two companies resolve the issue. 

Thank you.
Consumer complaint received 2020-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I am a United States military service member. In XXXX US military paid out {$50000.00} of my student loans for eight years of service in the HPLR program. The amount that was left over was tacked onto my XXXX   and XXXX degree loans. my student loan balance is {$230000.00}. Fascinating I went into debt to take care of people who are so on thankful for healthcare ....

Under the public health service loan program application since XXXX Ive had full-time jobs and made payments but not all in sink. In XXXX I started to make regularly month payments underneath the public health student loan repayment program. I have not missed one payment. I have been working part time for the US military  and 32 to 36 hours a week for the employer in the hospital. Fed Student Loan servicing is denying my applications and will not tell me why. And healthcare 32 to 36 hours a week is considered full-time. I recently contacted them and XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. Still no data sent XX/XX/XXXX I sent them a certified letter asking them for 1 ) rationale of why they are not putting my payments towards the public health student loan repayment program 2 ) no interest while on XXXX XXXX during the my XXXX XXXX in reserve. I have still not heard anything back. All my requests go unanswered.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (NJ)

I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. This will serve as notice of pending upcoming litigation I have been asking for. Copy of my consumer report and a freeze on my report with confirmation. Sagestream keeps mentioning credit report and my request has been for consumer reports which I am in entitled to request according to the fair credit reporting act. I have done this via certified mail on three different occasions they reviewed my mailman request they would have known. 

Sagestream is in violation of the FCRA and NJ FCRA I will seek remedy through legal means including damages for willful neglect and financial harm
Consumer complaint received 2020-04-03
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. (TN)

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX, original creditor XXXX XXXX XXXX. ( Please see page attached from my credit report. ) The opening date of this account is not in XX/XX/2019. In fact, this account is over 7 years old and was opened fraudulently from an ex-girlfriend who forged my signature. I filed a fraud affidavit and this account had previously been removed. I never gave permission or authorized anyone to open this account. This account has also been sold and re-aged and should not be reporting at all. This is a violation of the Fair Credit Reporting Act and is mandated that this line item be removed from my credit report. This false reporting of a collection/chargeoff, that is not mine, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I checked my credit report on XX/XX/2020, and under credit score it shows 4 factors hurting my credit score : 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of Sufficient credit history 3. Lack of sufficient relevant real estate account information 4. You have too many delinquent or derogatory accounts I disagree with equifax factors hurting my credit score.My credit card accounts are not recent.I have plenty of credit history.I dont own a house/property and the lack of real estate account information is just ridiculous.This should not affect my credit score if i dont own a house or property.Because i dont own a house or property, Im being discriminated against me by equifax
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (VA)

I'm a first time home buyer and was referred to my lender by the real estate firm I was working with at the time I started this process. The realtor and lender were friends so that is how I got the introduction to this lender. A few weeks later, I terminated my contract with the realtor due to his work ethic. The realtor I fired is the lender 's friend. Ever since I terminated that agreement and signed a contract with a new realtor, my lender has been unresponsive, unprofessional, and nasty. He doesn't answer calls from myself or my realtor, won't answer emails and has been insulting and nasty. We can't get answers to our questions, can't get guidance, and as a first time home buyer this is absolutely terrifying and unwarranted. I have never received such horrible customer service in my life. And it's not just me, my realtor has never dealt with anyone so unprofessional and nasty before either. This needs to be reported so nobody else goes through an experience like this. I'm literally in the dark in the process and have nobody to turn to for help.
Consumer complaint received 2023-07-13
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. (DC)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftlyXXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, 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 2020-03-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources (NC)

I have told FirstPoint to not contact me and XX/XX/2020 at XXXX XXXX  and I was threatened to have legal action taken against me and to have any place I work or relatives called and harassed. I told FirstPoint that this debt came from XXXX XXXX and XXXX and I had a cease and desist order for them not to harassed me and I the rep said we will call you when we want.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

I noticed my credit has been going down and I called XXXX and other credit reports companies to see what is going on and noticed its because of all this items on my credit report XXXX XXXX is Ccs collection from originator the general company with a reporting date of XX/XX/2022
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/2019 WF/XXXX XXXX  put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would update the account but they have failed to do so after many attempts from my end. This has popped up two other bureaus and has greatly lowered my score.
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019 I opened a checking account at Bank of America with a {$100.00} promotion that read : " Requirements to Receive the {$100.00} Online Only Offer bonus : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive two Qualifying Direct Deposits of {$250.00} or more each to your new personal checking account within ninety ( 90 ) days of account opening. A Qualifying Direct Deposit is a recurring direct deposit of regular monthly income - such as your salary, pension or Social Security benefit or other eligible regular monthly income, electronically deposited by an employer or other payer into your new checking account. A transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, or Merrill account is not a Qualifying Direct Deposit. Please see the Personal Schedule of Fees for further explanation of eligible regular monthly income.After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. The new personal checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus. " I fulfilled the obligations to meet the promotion and Bank of America refused to pay the promotion, citing that I had received the promotion on a separate account in the past. I appealed that decision because the fine print did not read that the offer was for first time customers only, or that the offer was one per lifetime. Bank of America has since changed the language for their promotion to account for this. Regardless, they refused to pay the promotion even though when I opened the account, the promotion read as above. This raises serious UDAAP concerns and other Compliance implications. Additionally it speaks to the culture at Bank of America.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

Hello XXXX XXXX  has a innorrect remork on my credit I told them to remove it they said ok. But its still showing REPO. My car was never late and never a REPO. Please update. 

I never had a XXXX, XXXX or XXXX XXXX This isnt my XXXX XXXX Only one payment was made. I would never ruin my credit. 
XXXX isnt late or I dont owe remove from my credit XXXX? I dont have a XXXX account I live with my mom she has her own utlities. This is hurting me getting a mortgage please help me.
Consumer complaint received 2020-12-21
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. (CA)

I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed immediately!
Consumer complaint received 2020-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

FedLoan more than doubled the monthly payment for my income based repayment plan without warning or cause and withdrew it from my bank account. I have attached statements from FedLoan showing that my expected monthly payment has been {$290.00}, as well as letters from FedLoan saying my IBR recertification was not due until XX/XX/XXXX. Yet today, I saw a statement for {$670.00} without explanation, looked at my bank account, and saw that yes, {$670.00} had been withdrawn. I called Fedloan and asked to speak to someone from their IBR department, and was told that the entire department was closed for COVID. They further told me that it looks like it was an error at their end but there's nothing I can do ; I just have to recertify early.

They know that I am enrolled in PSLF so can not switch to another servicer, and they know I do not have the money to press charges in court, or would not be on IBR. This is truly horrible. They're openly and freely exploiting and extorting people who they know have no means of fighting back during a pandemic. I have no recourse.
Consumer complaint received 2023-07-13
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. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$390000.00}, XXXX XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different bureaus.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different bureaus.