davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My Issue is with Equifax Information Services, since XX/XX/XXXX. I have not had access to an Equifax score of any kind. Every lender that has tried to pull my credit has not been able to access an Equifax score of any kind. I called Equifax on XX/XX/XXXX when i was denied for a loan, when a prospective lender said i had no credit history, so i reached out to Equifax and i was told to answer some questions to prove my identity and mail in my Drivers License and Social Security Card. I was told to that in two weeks everything would be fine. Well in early XXXX, i ordered my Equifax Credit Report, when it arrived it showed my 12 accounts ( open and closed accounts ), I was doing this to prepare for refinancing my home. 

In Mid XXXX, i applied to a lender, my XXXX and XXXX   Credit Scores showed, but no Equifax Score, so i reached out again to the XXXX XXXX and i went to the same process, answer some questions send in my Drivers License and Social Security Card and  give us 2 weeks. No Equifax Score. 

In Mid XXXX, i applied same experience, visible XXXX and XXXX Credit Scores, but no Equifax Score, so i reached out again to the XXXX XXXX and i was transferred to the Global Consumer Dept, I went to the same process, answer the identity questions, this time the said FAX in my Drivers License and Social Security Card and call back in 72 hours, No Equifax Score. 

On XX/XX/XXXX, i applied to a Mortgage lender and i had the same experience, my XXXX and XXXX Credit Scores showed, but no Equifax Score, I am attaching the Letter from the Lender.

I need Equifax to stop this process from happening. I have called enough, i have sent in enough documentation. XXXX and XXXX are not giving me this headache.
Consumer complaint received 2021-07-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have tried to contact my mortgage company to apply for a forbearance, they don't answer the phone, or return any email or phone messages. When you click on the page on there website, it won't open. They only have one phone number, and don't list a mailing address. I contacted Veteran 's Association, and the suggested that I contact you as well.
Consumer complaint received 2020-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MN)

- We opened a home equity loan with TCF in XXXX. 
- We have never missed an on time payment. 
- TCF has been taking the monthly payment of {$630.00} automatically out of my account for years. 
- TCF cancelled that automatic monthly payment with the XX/XX/XXXX payment due without my knowledge or consent, causing TCF to default. 
- We've received a recent loan statement with an amount due of {$7400.00} XX/XX/XXXX. 
- There is no basis for this bill. 
- I've repeatedly tried to contact TCF at the phone number provided of XXXX. 
- You are left on hold for more than an hour. I've tried multiple times to get through. 
- This loan has been in place since XXXX, the initial amount approximately {$86000.00}. 
- After 13 years, the outstanding principle is showing {$81000.00}. 
- We've made {$94000.00} of payments on time, never a late payment. 
- This amount doesn't include the additional {$32.00} insurance that we've paid for the 156 months as well. 
- In this 13 years, only approximately {$5000.00} has been applied toward the principle. 
- Now we are seeing on this loan statement that the maturity date of the loan is XX/XX/XXXX. 
- We are seniors. The length of this loan is ludicrous ; 41 years. We wouldn't even be alive that long to pay it.
Consumer complaint received 2020-08-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have recently reviewed my credit report and would like to inform you of the inaccurate reporting on my credit file. I am requesting, under the provision of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this matter be investigated. the NCA/Speedy was in the  amount of XXXX. this debt does not belong. to me. its not mine.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizen 's Bank sent me a check for {$3.00} addressed to XXXX, a credit card I have but had paid in full in XXXX. I had no idea why a check addressed to them was sent to me, a bill that had already been paid the month before so I deposited it back into my account, and the bank subtracted {$3.00} from my account. They the charged me {$30.00} for overdrawing my account in XXXX. No matter how hard I tried, they tried to tell me that the withdrawal for money I had deposited was warranted. Had I just thrown it in the trash or sent it to XXXX XXXX, XXXX XXXX would have refunded me the {$3.00}. I am confused as to why a bank would mail me a check meant for a credit card company. The money I did not owe them then turn around and deduct the money from my account. I guess I should have thrown the check in the trash! 

I have had nothing but trouble with this bank from being thrown out when I wanted customer service ( I had my XXXX, deaf registered therapy dog with me ), to a frozen ATM card they could never explain after waiting 45 minutes for customer service on the phone, an ATM card that never was replaced when promised, a promised {$200.00} rebate for putting {$200.00} a month in my savings to account 3 months in a row when their customer service said I was good to go for the rebate, etc. I am XXXX XXXX XXXX and this is no way to treat a senior on a fixed income. 
XXXX  has so many complaints they have one star for their customer service.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage placed hazard insurance on my property without my knowledge or consent. Shellpoint hired XXXX XXXX for this insurance. I already contacted both companies requesting cancellation of this insurance and they have both refused to comply. I am being deducted money from my monthly payments to go this insurance and I have no clear knowledge of the amount and dates.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

This is absolutely ridiculous this bank closed my account this is not fair without notifying me when I found out on my statement I didnt even know customer service tells me I requested a closure but that is not true I called them to report my card as lost and the lady closed my account in error customer service said the account had to be reinstated this is not fair.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian Information Solutions ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (AR)

On XX/XX/22 I attempted to make a purchase from XXXX. I received a text message from Aspire asking if I authorized this transaction which I replied " Y ''. My payment declined so I reached out to the issuer. They said a temporary suspension was placed on my account to prevent fraud and had me verify my recent transactions to remove suspension. I did and suspension was removed but my card kept getting declined with XXXX. I reached back out to the issuer and was then told some transactions are systematically flagged and to try my card with a different merchant. I told them I was not interested in using the card somewhere else, that I had already approved this transaction several times now ( from the first text and through their chats with agents ) and they need to unflag this transaction I authorized. They told me there was nothing they could do but to use a different card with XXXX  or use my Aspire card with a different merchant. They verified I have available funds, but are restricting where I am able to use my funds.
Consumer complaint received 2020-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a Capital One Credit Card. 
I paid off the entire balance on the card in the last billing cycle. They still charged my account interest on the XXXX ( XXXX balance ). I have called the company and talked and waited on the phone for about 55 minutes without any solution. The company neither took interest charges nor took the late fee off. The interest charged was {$24.00} and the late fee charged next month was {$24.00}. 
They are not suppose to charge interest if the amount is paid in full and no balance is carried after the due date.
Consumer complaint received 2024-02-26
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. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last XXXX digit of XXXX : XXXX
Consumer complaint received 2023-05-18
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-12-30
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustments Inc (CA)

My daughter was taken to the ER  few years ago by her father, he signed the check in and signed the discharge for her. After few years i started getting contacted about a bill of {$710.00} for that visit, i tried to solve this issue with the hospital but they simply ignored my information and did nothing about it, now i see that it has been hitting my credit score when it should had been in my ex husbands credit score, i was not responsible for that.
Consumer complaint received 2020-08-05
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: I.C. System, Inc. (FL)

To Whom It May Concern, This letter is regarding account I.C. Systems Inc, which you claim this is my debt. This is formal notice that your claim is disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information in herby requested. 
Additionally, please provide name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One bank has reported incorrect account on my credit report. Account was removed but XXXX  unblocked my credit file and allowed Capitol One to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from Capitol One. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX  refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX California in XXXX XXXX and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus XXXX, XXXX and Transunion. This fraud alert was placed on my profile by XXXX XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute
Consumer complaint received 2020-08-05
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. (CO)

I have submitted several complaints to Equifax. To date, no progress has been made but I received the attached letter dated XX/XX/2020 requesting additional information. I believe this is in reference to Equifax # XXXX. This letter asking for additional information advises to return the additional information to TWO addresses : XXXX XXXX XXXX and XXXX XXXX XXXX!!! What is the correct address to send information? Why is Equifax delaying a response to my original complaint and further confusing the issue? Equifax has an obligation to provide accurate information but clearly can't figure out its own address. Why is Equifax advising me to respond to two addresses?
Consumer complaint received 2020-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One Bank has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX Capital One Bank received a notices from me and they have not responded to any request. 

Capital One Bank has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus.

Capital One is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

Capital One is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither XXXX nor XXXX provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, Since the COVID-19 issues, I've solved all financial issues with financial companies except American express credit card! 
They don't offer any differing payments. 
My bill shows the balance of '' {$19000.00} and due date is XX/XX/XXXX '' So on XX/XX/XXXX after a long time conversation to American express supervisor of Financial relief program names " XXXX with the employee # XXXX '' pushed me to enrolling auto pay from my checking account to lowering my interest percentage.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.