davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (DE)

XXXX XXXX false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & XXXX XXXX report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand XXXX XXXX & the collection agency & credit bureau send me proof of the debt!
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services (TX)

I received a bill from Viking Client services for an alleged balance that was due to XXXX, My insurance company XXXX has paid XXXX. 

I sent Viking services a letter asking them to verify the debt and to include an itemized bill explaining any remaining balance.I have the receipt of the certified letetr sent to them with this request. 

I never received a response from Viking Client services. 

I still get harrassing calls and my request was and continues to be ignored.
Consumer complaint received 2021-03-19
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 (FL)

On XX/XX/XXXX my credit card with Capital One Mastercard was compromised. I requested a new card and the old card was canceled. Before I got my new card, there was another attempt for a fraudulent charge from XXXX but it was declined. I received my new card and in XX/XX/16 Capital One gave my new card number to XXXX even though I have never paid XXXX before so I was once again compromised!. I realize credit card companies usually update card numbers with reoccurring charges but they should at least check to see if the merchant was ever paid before. I ended up canceling my entire account because they could not promise it would not happen again. I also tried to call XXXX but they are not answering their phone so I could not let them know that someone opened a fraudulent account in my name. Credit card companies should not be allowed to provide your information to anyone or at the very least I should be able to opt out of this practice. I'm appalled that the actual credit card companies are allowed to be unsafe with our information!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I found this on my credit report. I called to settle the debt and the man who answered told me that " my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (IL)

Key2Benefits has a card to account transfer option. I have used this successfully transferring money to my personal checking account for many weeks in a row. The last to 2 weeks the ACH transfer has been rejected and the money returned to my debit card. I have spoke with Key2Benefit agents on 4 occasions and nobody can fix this issue.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Social Finance, Inc. (TX)

I have called XXXX  invest and have asked for a call back, i have not recieved the call back the wait times are about hours long i was promised by a representatove that the errors would be corrected as well as a bank letter indicating to reverse the overdraft fees that first convenience charged me for their error, i still have yet to receive the letter and any over draft fees, please help
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

PHH Mortgage on XXXX, XXXX and XXXX XX/XX/XXXX refused to accept my regular monthly mortgage payment due for XX/XX/XXXX. My mortgage forbearance ended XXXX XX/XX/XXXX. Numerous times on XXXX XX/XX/XXXX on my recorded line XXXX different PHH Mortgage representatives insisted I must pay the differed mortgage forbearance amount in full before they will accept my XX/XX/XXXX regular monthly mortgage payment. PHH Mortgage representatives would not provide any other options except payment in full of the differed forbearance amount right now. PHH Mortgage already approved my mortgage forbearance amount to be paid at the end of the mortgage. PHH Mortgage representatives many times during the active XXXX minute recorded phone call on XXXX XX/XX/XXXX, adamantly denied my right not to be required to pay the differed forbearance amount all at once before accepting my XX/XX/XXXX mortgage payment, I believe they were reading from a unlawful rehearsed script. They made an offer for them to call me back in a few weeks, I refused and demanded they accept my XX/XX/XXXX right now. At the end of the call I was informed they would call be back within XXXX hours. If they do this to me they do it to others.
Consumer complaint received 2021-03-19
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: Experian Information Solutions Inc. (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised Experian and XXXX of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted Experian and XXXX XXXX again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to Experian, XXXX and XXXX XXXXXX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with Experian, XXXX or XXXX XXXX. 
Called XXXX XXXX and XXXX again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2021-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Care Act for FHA, application made on XX/XX/XXXX In XX/XX/XXXX, Maryland shut down due to the COVID-19 pandemic. I received a mortgage deferment ; I was not behind on the mortgage payment, just out of work due to the Maryland State shut down. The agreement was that after the deferment, I would make my payments starting on XX/XX/XXXX. In XXXX, I started making my payments, although I wasnt back at work full-time but part-time. I still made my payments as expected as agreed in XXXX XXXX around the same time, the cares act for borrowers with the FHA XXXX VA XXXX or USDA loans was offered. I made the application on XX/XX/XXXX, and the BOA representative told me that it was complete ; I didnt need to sign any papers. Then I did it again because another representative called me and said the application wasnt made, so I did it again with a representative, and once again, I was told the application was complete I qualified for it. No other paper needs to be signed. I've making my payments were excepted thought I was on the right track. I called BOA in XX/XX/XXXX to get my interest statement to get my paperwork in order, and thats when it was bought to my attention that I was behind on my loan. I was very confused because I did the application on XX/XX/XXXX. In XX/XX/XXXX, the BOA representative said that BOA mailed the paperwork to me on XX/XX/XXXX, and I did not sign it, so I miss my chance of qualifying for the cares relief act. Ive tried to talk to BOA a representative It didnt make any sense that I was among of the first group to complete the application following the cares act on XX/XX/XXXX ; why did I not get a chance to sign the papers if the paperwork was needed to sign in the beginning, and also Im confused if I made the application on XX/XX/XXXX why wasnt the paperwork mailed to me until XX/XX/XXXX uncertified. I am currently trying to work with Bank of America. BOA is trying to get me to refinance on their terms or start the short sale process. I need some assistance at this point because I wasnt behind on my mortgage before the pandemic. I started my payments and have been consistent since the deferment,. The cares act has been extended, and I still havent spoken to anyone to help me get this issue resolved. Im a single parent mother of a child with XXXX, and Im trying to do the right thing I wasnt behind on my mortgage before the pandemic, and Ive been consistently making payments after the deferment, please help me get back on track --
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received a letter from Bank of America stating we have unused funds from an EDD prepaid debit card. When I tried to claim the funds B of A said they can only send the money to the address on file which is my previous address. B of A told me to go back to EDD and change my address which I can not do because this my EDD claim is from XXXX and closed EDD does not keep information that long. 

Bank of America is holding over {$2000.00} of my money and will not release it. They said they will send it to The State of California in XXXX and I can get it from the unclaimed property division. Not acceptable when I have other accounts they can verify our current address from. The letter also current address.
Consumer complaint received 2021-03-19
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)

There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX XXXX  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXXT XXXX  Account Number : XXXX
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-02-20
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXXT IL XXXX Bankruptcy XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I had my credit ran today XX/XX/2020 because I want to refinance my home but I was told I would be unable to do so because of two accounts reflecting badly on my credit history. The accounts are from XXXX XXXX for an amount of {$4900.00} and Child Support Enforcement. I have no idea what these accounts are for or who they belong to. I did not open them nor have I ever opened any other account with those companies. I did not authorize these accounts to be opened in my name nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I did not take part in any purchases or payments that might have been made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.
Consumer complaint received 2021-03-19
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. (TX)

I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX EQUIFAX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.