davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (ID)

Air force and Army Exchange has repeatedly confiscated my federal tax returns through the Treasury Offset Program since XX/XX/XXXX for a ( {$1000.00} ) debt incurred in XX/XX/XXXX. They have not reported or updated information to the credit bureau for several years, and it appears nowhere in either open or closed accounts. They have not provided me with reciepts, or balance sheets, or account statements of any kind, by any means at any time since XX/XX/XXXX. My XX/XX/XXXX return was only partially confiscated, and I recieved what was left over, indicating the account was paid off. This year my XX/XX/XXXX tax return was just confiscated in it's entirety, {$940.00}, and I was given no record of amounts owed, paid, or received, and this account can not be found on any credit reports. I believe they are fraudulently churning old accounts, and stealing the money whenever they want. In my attempts to contact AAFES or Military Star Card customer service, they claim to have no information of me ever having an account, and claim I am not in their system. I do not know how to resolve this matter in any any other way than to use my Protected Veteran Status to begin legal action against AAFES, TOP, and the IRS. In regards to my XX/XX/XXXX tax return theft TOP, Trace # XXXX and Account # XXXX Please help me get my XX/XX/XXXX tax refund returned to me as it was confiscated through illegal means.
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (NE)

They are reporting a collection account in the amount of {$7800.00} with XXXX XXXX XXXX. This is not my account. I have disputed this item several times with the credit bureau.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

THIS COMPANY REQUIRES ME TO HAVE A MOBILE PHONE NUMBER ON FILE IN ORDER TO GET ACCESS ONLINE OR GET THE REWARDS. I THINK THAT IS AN ABSOLUTELY RIDICULOUS THING TO REQUEST FOR SOMEONE TO GET THOSE THINGS. I HAVE A LANDLINE WHICH IS AN UNACCEPTABLE PHONE NUMBER TO THEM. I TRIED SETTING UP ONLINE ACCESS, IT WON'T GO ANY FURTHER WITHOUT A MOBILE PHONE NUMBER BEING INPUT INTO THEIR SYSTEM. THEREFORE AN ONLINE ACCOUNT CAN NOT BE SET UP.
Consumer complaint received 2020-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TN)

In 2005 I was a victim of Identity theft, I've been been living a nightmare ever since, I've been trying to battle this nonsense. My car was stolen in 2005, I had all my info inside it, since 2005 while living in Georgia, weird things started showing under my social and name and showing on my credit report, having said that ; my credit has never been able to recover from whoever is using my identity to have a life posing as myself. I can't deal with this situation anymore. This is depressing, I can't even have a normal life because even if I try to fix it, it seems like I can't get my life back. I need immediate help and would like and want to have all those false collection debts taken off my credit and name please. I've been fighting this for over 15 years and I can't do it anymore. I need help and have the three bearous to have those negative debts off my credit for once and I can have my life back. Thank you so much for your time. You are my last hope .... God bless.
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2020-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion took off the worth finance company from my credit report finally. My credit score went up a little and that lasted two weeks. as of today my score went down 104 points and my amount of debt went up more and it never changed when with XXXX finance was removed even then is wrong. so my score went down my debt went up and I have no new accounts trans unions should no accounts open or applied for. my debt is not XXXX and it is not XXXX. I've already called TransUnion about the inquiries and was told I need a letter from the companies stating they would remove it but I would need to contact every company to let them know it was related to fraud. I have 95 hard inquiries some of which are the same company repeatedly running my credit in one day. at least half should have been removed on its own just because it was placed on my report two years ago therefore it should come off without me going through this mess
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (PA)

On XX/XX/XXXX I filed a complaint XXXX against XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX for an old medical debt from XXXX. The response was nothing further could be done. XXXX failed to mentioned the sale of the old XX/XX/XXXX debt to Commonwealth Financial Systems XX/XX/XXXX. It is now appearing as a current debt. XXXX did the same thing with another debt in XXXX, in which they sold this debt to XXXX XXXX XXXX. XXXX closed the account when I filed a claim with you. 
The above debt is the same story as past debts. Once a debt is XXXX years old in New Jersey, it's to be removed from my credit report. 
This is another attempt at collecting on a bill that several line items couldn't be accounted for. All negotiations stopped at that point. 
Commonwealth must close this account and remove it from my credit report. Thank you.
Consumer complaint received 2020-06-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I had been pre approved and I started looking for a house with an agent. After we found a house and made an offer the seller agent informed my agent that I was not not approved. It was embarrassing to find out from the seller agent that I was denied the loan even after I already had a pre approved letter. At this point it makes me feel discriminated and makes me wonder if my background had played a role on the decision not to approve me at the last minute. I lost an opportunity to get the house my wife and I loved and with no explanation. I would think when something like this happens people will get a detailed letter explaining the decision but it has been a very long time and no letter. I had to be the one calling asking for an explanation but not real answers was given.
Consumer complaint received 2020-06-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (VA)

A debt for XXXX from a creditor Moblie bill when I contact the company they verified the info didnt match mines so Im confused on why its showin up on my report I sent in my government id and social security card company name sequium XXXX I call several times XXXX XXXX XXXX bill I thank they sayin I owe prestige financial {$25000.00} also keeps reporting to my credit something I didnt open identity theft once again the information wasnt correct as well but its still on my credit medical bills showing up from XXXX {$320.00} and {$90.00} also all theses inquiries I definitely didnt do XXXX, selects automative, XXXX, XXXX, and a few more can u guys please please check the social security number before placing these things on my credit report I done contact u guys more then once and its still happening
Consumer complaint received 2020-06-13
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: Experian Information Solutions Inc. (FL)

Since XX/XX/XXXX Experian has been in Violation of the FCRA section 605B. As a victim of fraud and identity theft noted on sending my FTC report and police report from XXXX XXXX XXXX not to mention that my information was completely compromised during the XXXX XXXX  Security Breach. Not to mention that my previous roommate used a XXXX Business Card Fraudulently upon reviewing my credit report and countless times of sending the same information from the FTC, Letters with detailed information pertaining to the fraudulent information reporting on my Experian and XXXX  Credit Reports. They removed the incorrect information and then they report that same information again and refuse to comply with the FTC documents that states I have been a fraud breach and Identity Theft victim.
Consumer complaint received 2020-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NC)

This company has been reporting negatively on my credit report since 2013. I first recognized it about 2 years ago and disputed. The amount showing is {$270.00}. I have disputed item more than once as well as asked for proof of item, how it was ordered, when it was orderd as well as what the item actually was. Received no response.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have addresses on my credit file that are not mine. I do not live at the following addresses please delete them they are not accurate : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, FL XXXX I would like to have a new copy of my credit report and opt me out of any and all promo and credit card pre screen ads.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have addresses on my credit file that are not mine. I do not live at the following addresses please delete them they are not accurate : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, FL XXXX I would like to have a new copy of my credit report and opt me out of any and all promo and credit card pre screen ads.
Consumer complaint received 2020-06-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was Never notified about a insufficient funds check that came back they purposely waited 30 days so I could acquire interest and also generate more fees, this severely impacted my credit as no calls, no sms and no mail was sent to let me know that account was late, tried to resolve it with them and all they told me was too bad deal with it its not our job to tell you to pay your bills, this seems unethical and it seems it was done in the benefit of capita one
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/XXXX a payment was made through my husbands XXXX XXXX XXXX online bill pay to pay a credit card bill for my Chase Bank credit card from our Joint checking account. Unfortunately I paid my British Airways co-branded Chase credit card in error, which is an account that was closed over a year ago and the payment was supposed to have been sent to my Chase Sapphire credit card, which is an active account. I spotted the error in early XXXX and I contacted Chase Bank. Chase Bank could not locate the payment. My husband requested verification via XXXX XXXX XXXX XXXX online banking message system and they confirmed on XX/XX/XXXX that the payment had been made as indicated on XX/XX/XXXX. I again contacted Chase Bank, and they still could not locate the payment. They told me that if they receive a payment that is sent to a closed credit card account the payment is refused and returned to the Bank. I verified with XXXX XXXX XXXX and the payment was not returned by Chase to the checking account. 

I called chase again and another customer services representative told me I could ask the Bank to reverse the payment, so I did and XXXX XXXX XXXX told me they could not reverse a payment that had already been processed. I called chase Bank again and they asked for proof of payment. I asked XXXX XXXX XXXX to send proof of payment, which they did, and once again Chase Bank said they could not find the payment and that in fact, because the account was closed, they couldn't help me at all and that I should write a letter to the Correspondence Department, which I did on XX/XX/XXXX, and I called chase 2 weeks later and I was told I should hear in 10 business days from the date of my letter, which I did not, and have not more than 1 month later. 

Each time I call chase it takes a long time because they can not find my account as it was closed over a year and I get passed from department to department and then nobody can help me because they each department can not find my account, and once I get to someone that can find the account I am told to write to the Correspondence department, which I have done. It seems there is no way to be transferred or call to speak to anyone in the Correspondence department. You must just write and wait. I have now been waiting for over a month, after many phone calls since XXXX, trying to get back my payment which was made in error in XX/XX/XXXX. 

I can provide immutable proof form XXXX XXXX XXXX  of the payment that was made to Chase Bank to an Chase Credit card account that was formerly owned by myself as detailed on a verifiable credit report CHASE BANK - PLEASE NOTE - in filing this compliant, CFPB asked for a credit card number for reference to assist in researching this compliant, which I have provided. NOTE that the credit card number I have provided has been closed for OVER ONE YEAR so will not be immediately found upon searching. The number I have given is CORRECT.
Consumer complaint received 2020-04-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We recently closed on a $ XXXX HELOC with Bank of America in XX/XX/2020. Our credit terms include the promotional introductory discounted interest rate prime minus 1.51 %. We drew some funds from this line on XX/XX/XXXX {$98000.00} and {$2500.00} and XX/XX/XXXX {$50000.00}. The first billing cycle statement XX/XX/2020-XX/XX/2020 had the wrong interest rate and minimum payment terms -did not align with our loan document terms. We brought it to their attention via the online messaging center as well as via phone to the loan representative who sold us the line of credit. That is also after getting bounced around then was disconnected on their " help '' line. During that time we were advised to pay that higher " incorrect '' minimum amount and that later when they get to it, will make it right. There was plenty of back and forth of days after that it will get corrected and we have texts and phone records to show. Several weeks later via phone conversation and many hours wasted by both myself, and XXXX ( internally ) they verbally fixed it and the next statement will reflect the correct finance terms. I told them to apply the excess in that payment to the principal. The latest statement XX/XX/2020-XX/XX/2020 shows the wrong rate again and a higher minimum balance due. Backing into the math, it is nothing representative of the prime minus 1.51 %. On XX/XX/XXXX, I reached out to XXXX and told him it still hasn't been fixed by their HELOC department. I never heard back from him. On XX/XX/XXXX I submitted another inquiry to the online messaging center. I am forced to wait up to 5 days again to get any response. I also informed XXXX on XX/XX/XXXX via text that we have run out of patience and will be filing a complaint to the CFPB. XXXX seems to be trying from his end but internally runs into the same barriers as we do. 
We have experienced great HELOC relationships with other banks in the past, but this time around at BofA we have been treated so poorly.
Consumer complaint received 2020-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (DE)

On XX/XX/2020 I received an alert from XXXX of a collection account on my credit report. After opening my report I found out that LVNV Funding LLC has reported this collection of {$250.00}. 
I did not receive any communication from this agency in regards to this account. 
Neither I did any business with the merchant mentioned in the account. I reached out to the collection agency asking them to provide me any validation and they said they do not have any documentation and have not reported any information to the credit Bureau but still wanted me to pay them. I requested them to delete the incorrect information from my credit file but now they have this on other Credit Bureau as well damaging my credit. 
They are using unfair tactics to collect on a account which I don't have any knowledge and haven't provided me with any validation of the debt giving me an opportunity to confirm or dispute the account.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (OH)

The Discover it " SECURED '' card allows access to rebuild credit and establish credit, atleast that is how Disover advertises it. I applied for a " SECURED '' discover and was denied. My income was more than enough, my debt is decreases due to rebuilding credit, & I had MORE than enough money for a hefty deposit, WHICH DISCOVER HOLDS until they feel you are ready for a seucred card. My issue is I got an automatical denial without a manual review of my application and circumstances. The " SECURED '' card is marketed completely wrong and it is very disengenious in its verbiage.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

The idea of FORBEARANCE for mortgage holder is OUTRAGEOUS during this pandemic! While they might let you put our payments on hold temporarily, they don't give you any breaks whatsoever and it's so incredibly difficult when we have no income coming in for weeks and months to suddenly have to pay back 3 to 6 months of mortgage payments in FULL!! 

Mr Cooper says : " At the end of your forbearance period, all payments not made during the forbearance period will have to be paid back. We realize this will probably be a big financial burden. '' This also happened to us during Hurricane IRMA. They made us pay back every penny at the end of the 3 months - this is SO HARD for families!!
Consumer complaint received 2020-06-13
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)

On XX/XX/2020 XXXX XXXX  stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 XXXX XXXX  stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.