davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-02-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Please see the attachment : on or about XX/XX/XXXX.capital one entered into an agreement with me as shown on the attachment. 
On XXXX/XXXX/XXXX I received a phone call @ XXXX XXXX from XXXX a collection agency.The call woke me up.An agent identified themselves then ask me some questions to verify who i was. I then ask them what this was in regards they then explained to me the were a debt collection agency, they had a file sent to them from capital one and they were to collect {$9000.00} due immediately. I told them about the agreement they ask me if I could forward any documents to them to prove I did not owe capital one this amount so I did .The next day I got a call from XXXX they told me they sent the file back to capital one and would not represent them.I want capital one to stop making my credit bad.They are reportin several late payment I incurred XX/XX/XXXX I made all those payments up but to the establishment that does not count only negative information seems to count.I just recently raised my credit score for an acceptable score to be eligible foe a VA XXXX loan now because of capital one 's negative reporting I once again have been disqualified for the loan.capital one has more than recovered their so called losses from me and then some.They should be audited! Please look int this for me I really had my hopes up to buy my first house before I die.This has caused me a great deal of XXXX, XXXX, and XXXX.
Consumer complaint received 2022-04-21
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: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Someone is fraudulent using my social security number XXXX and a hard inquiry for a Target credit card on XX/XX/2022. I have obtained to freeze my ssn and credit bureau. Can you please remove and investigate this fraudulent inquiry?
Consumer complaint received 2022-04-21
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. (GA)

XX/XX/2022 I paid the collection account XXXX XXXX XXXX The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On Equifax and XXXX a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on XXXX its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (MI)

XXXX XXXX XXXX rewards card being converted to Goldman Sachs Card on XX/XX/XXXX Redemption for XXXX to be applied to balance Per XXXX amount authorized and rewards balance decreased by that amount. First call to Goldman Sachs on XX/XX/XXXX referred to XXXX Rewards at XXXX pm spoke to XXXX XXXX told would call back in XXXX to 7 days on XX/XX/XXXX XXXX spoke to XXXX XXXX XXXX he would take care of it same XXXX days now XX/XX/XXXX spoke to XXXX XXXX pm XXXX they do not handle such requests and referred back to Goldman Sachs Called XXXX XXXX XXXX XXXX referred to Supervisor XXXX told she had no idea if of when they would get around to calling back and no idea if or when it would be fixed.
Consumer complaint received 2024-02-19
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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 2022-10-14
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account.I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-04-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (ID)

I sent a check into ServiceMac for what I thought was balance to pay off Mortgage XXXX, XXXX, XXXX they cashed our check made a monthly payment and never reached out to us that they couldn't apply it the rest to balance. We logged in to check our balance and realized I had made a mistake by not getting a payoff amount, then we reached out to them to find out what was going on with our money? This is XX/XX/XXXX they told us they would sent a check on the first of XXXX them on the XXXX of XXXX Oh, the check wasn't cut till the first probably mailed out the XXXX or XXXX... called a few times over the next few days got the same story ..mail is slow. Waited a week called them again on the XXXX of XXXX to ask again where is our money? Oh that money should have been sent XXXX haven't gotten it yet?? Nope! Ok we will get the information off the check and send it to that way ... someone called us on XX/XX/XXXX told us it would take 3 days to transfer ... STILL NO MONEY! We stopped communicating with them over the phone and started communicating through e-mail... was assigned a case XXXX XXXX but we are getting no resolution, hence why I am filling a complaint. This is 2022 it doesn't take 10 days to get a check or 3 days for a money transfer.. So here we are 36 days after they cashed our check ... My husband is a XXXX XXXX and what they are doing to us is UNACCEPTABLE! We have saved over 20 years to pay off this loan and I can not believe this company would treat a customer this way..GIVE ME BACK OUR MONEY!
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi, our company were scammed on XXXX, someone pretended to be a customer and tricked us to XXXX him {$1900.00} as a partial refund ; and XXXX {$1100.00} to another account of his as the rest of the refund. As the Transfer were still pending ( it says undergoing a security review ), I talked to the police and realize this is a XXXX fraud. The police advised me to call the bank immediately while its still pending. I did and filed a claim. However, both XXXX transactions still went through. And the scammer received the money and vanished. Today on XX/XX/21, I received a letter from Bank of America saying they wont approve my claim. This is unfair. This crime could have been prevented from happening.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Radius Global Solutions LLC (LA)

Radius global filed a doctor 's bill on my credit report that was never sent to me. I paid the bill and it is showing on my credit report. Isn't there a law that paid hospital and doctors bill shall be remove off credit reports. Why do I have to wait for that can you all see to it that this is removed, the item is paid ref # XXXX
Consumer complaint received 2022-04-21
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: ERC (TN)

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
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. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX menulis : Dear sir, Base on Support XXXX Ref : XXXX i need legal aid from advocacy. 

I just want to know how to access funds that will be sent to me, from the XXXX people who played a role in requesting payment from me on behalf of a claim based on the name of the Wells Fargo Bank company, regarding international remittances to me, through proof of receipts and receipts that I have received. and on behalf of my own account as beneficiary funds. 

the XXXX individuals have had their respective roles in the order to request payment from me using the name wells fargo : 1. the sender named XXXX XXXX XXXX based on the bank receipt i received i will receive the transfer XXXX {$2.00} claiming to be XXXX requesting crypto payments from me ( someone claiming to be from XXXX is asking for crypto payments that I've transferred for international remittance payments ) 3. the head of the international wells fargo bank fund transfer center XXXX who acts as an employee of wells fargo bank with the nametaxt employment of wells fargo bank , as director of the bank named XXXX XXXX XXXX. ( someone who asked to collect my payment processing international funds, that I got the winnings XXXX $ and I have received the receipt of proof of delivery ) of the XXXX individuals have had their respective roles who have requested payment from me through the XXXX that I have transferred. 

they are the XXXX unbroken link in the wells fargo bank that has switched roles to contact me. 

Even though in your investigation, they are not part of you, but they do have the official wells fargo bank receipt that I have received. and lastly the ball is in the third person, namely XXXX and XXXX. 

I don't know how you found access to my remittances working in law enforcement within the United Federal State government? 

So you can immediately decide for yourself without me involving wells fargo customers to lead to law enforcement police offices or law enforcement offices. if it's true they're definitely all involved in a fraud syndicate, froud, international code of ethics. because I don't really know and don't know about the laws that apply to all federal states. On behalf of Wells Fargo Bank I need your help, to resolve this case to a transparent law enforcement and sense of justice. 

What is certain is that a customer only needs the funds that have been issued for payments that have been transferred to all of them, to be able to return to my bitcoin account or address, which I can use to pay my XXXX XXXX credit card monthly bills in XXXX as my loan for crypto purchases in my wallet. For the payment to them. 

Thus my explanation is so that it can be understood, for your attention I thank you.
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (TX)

Stated on XX/XX/XXXX that I will be sued in XXXX for an old debt for legal fees and the amount owed that was from XX/XX/XXXX. The company stated I need to sign some papers. Company 's name continental finance.
Consumer complaint received 2024-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A. (VA)

On or around XX/XX/XXXX I requested and received a three month forbearance on my mortgage. I was transferred long distance for work and had attempted to sell my home. Not a single person requested to tour it, much less buy it. 

On XX/XX/XXXX I contacted PNC 's Loss Mitigation department to begin the mortgage modification application process. At that time, I was told to wait until closer to the end of my forbearance period. I pointed out that the source of my hardship, a long distance move for work, was not going to resolve if given more time. They still insisted that I wait to apply. I would later find that my instinct was accurate, and I should not have waited to begin the process. 

On XX/XX/XXXX I began the mortgage modification application process as advised by PNC mortgage. 

On XX/XX/XXXX, I received a letter confirming from PNC Mortgage that my application was complete. This letter states : " You are entitled to the following foreclosure protection because we have received your complete application. PNC can not make the first notice or filing required to commence or initiate the foreclosure process under applicable law before evaluating your complete application. '' On XX/XX/XXXX, PNC Mortgage requested additional documentation. I immediately submitted that documentation on XX/XX/XXXX. 

On XX/XX/XXXX, PNC Mortgage commenced the foreclosure process despite the existence of a complete application. 

On XX/XX/XXXX, PNC Mortgage reported the account delinquent to the credit bureaus, resulting in a 120+ point drop in my credit rating. 

On XX/XX/XXXX, the credit analyst reviewing my application requests additional documentation, thus rendering y application incomplete. This request for additional documentation from PNC mortgage was not communicated to me at any point by mail, phone, or e-mail. 

On XX/XX/XXXX, I received an e-mail from PNC Mortgage that mail that had been sent could not be delivered due to an incorrect address. The e-mail from PNC Mortgage requested I call to provide the correct address. I called PNC mortgage at the number provided and the customer service agent belligerently denied that any e-mail had been sent or that any mail had sent or returned. She also forcefully insisted that PNC mortgage had my address correct. 

On XX/XX/XXXX, I was told by a different customer service agent that PNC Mortgage had attempted to send a " Demand Letter, '' the first step in the foreclosure process, but this letter could not be delivered. This directly contradicts what I was told on XX/XX/XXXX. Additionally, initiating the foreclosure process despite the existence of a complete application is a violation of foreclosure protections afforded to me.
Consumer complaint received 2022-04-21
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. (SC)

I was young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Accounts -XXXX XXXX XXXX I have one collection that I did not authorize : - XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I checked my XXXX credit report XX/XX/22 and I see my score decreased due to a Bank of America credit check. I absolutely have no account or have ever had an account with Bank of AmericaXXXX
Consumer complaint received 2022-09-28
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. (NY)

I did not authorize or consent to the following accounts being furnished on my consumer reports. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on XX/XX/2022, The Supplemental Security Income ( SSI ) agency denied my application due to the money in my business checking account with Bank of America. I called the bank who confirmed that there is a business checking account under my name and also under my social security number. But, I told them that I never opened any business checking account and was not aware of the exiting account under my name. 
on XX/XX/2022, I called the bank fraud department ( XXXX ) and disputed it. The bank gave me a case number XXXX. I asked them to send me a letter about this report. I need it to prove with SSI agency that business checking account was not mine. 
However, the bank told me that they can't send anything to me. In fact, it would take at least 60-90days to have an update