davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

XX/XX/2020 reviewed my credit report for fraud. I saw a hard inquiry as stated below that is not mine. XXXX refuses to remove until I file a report. This is not mine. It has caused damaged to me by lowering my credit score 12 points. 


XX/XX/2020 CAPITAL ONE/BASS PRO XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal is attempting to collect money which I have spoken to someone already about my account I caught XXXX and was in the hospital for a period of time on top of that my XXXX kids caught XXXX had to care for them as well, I did ask them for the covid forgiveness program which they told me that I did qualify for but no actions was taken to take care of this matter. please delete/remove negative remark on my credit report.
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
Account # 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 a account without my written instructions
Consumer complaint received 2020-07-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

I paid off my USDA loan mortgage with servicer Flagstar Bank and they accounted for and TOOK my excess payoff proceeds of {$100.00}, directed it to my escrow account, and took more of it which was actually owed back to me, than what was actually owed for my PMI insurance, which they supposedly paid out. I have my loan documents from when I purchased the home, including my Amortization Schedule, which shows the monthly PMI amount, which does not total what they took and supposedly paid out for my PMI once my loan was paid off. I waited over an hour to speak with a manager about it and she checked with my prior servicer records from XXXX and stated that they paid out {$840.00} for the PMI for the year of XXXX and {$820.00} for XXXX, which my PMI clearly decreases each calendar year based on my amortization schedule from this home purchase, yet Flagstar Bank took {$850.00} from my escrow and payoff proceeds towards the PMI final payment. My loan documents amortization schedule clearly show that the amount for PMI for the year of XXXX totals $ 788.28.They directed my {$100.00} payoff overage and put it into my escrow account to payout more than was owed towards my annual USDA PMI and sent me a check back for a lesser amount than I am actually owed. This is FRAUD and THEFT from their former customer, me. I want my money back which Flagstar Bank STOLE from me. I spoke with the escrow and payoff departments prior to paying off my mortgage and not once did anyone say that my PMI was even going to be paid out in XXXX. Horrible staff knowledge and training and horrible customer service. I'm thankful I am done forever with Flagstar Bank and do NOT recommend them, they clearly stole money from me. Management in the escrow and payoff department did not even know how they even determine the amount owed for PMI on my USDA loan. Horrible training and knowledge. I want my money back that was stolen by Flagstar Bank.
Consumer complaint received 2018-04-29
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: Consumer Portfolio Services, Inc. (FL)

I turned XXXX and I had no credit I was purchased a vechile through a authorized dealer and they ran my credit multiple times knowing I had no credit I was a co under my mother
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Federal Credit Control, Inc. (OH)

On XX/XX/2020 I received a a telephone call from a woman who identified herself as XXXX XXXX and stated she was calling on behalf of First Federal Credit Control, a collection agency and insisted I was indebted to XXXX XXXX Center in the sum of {$590.00}. I explained to her that the bill had been paid. She then threatened to impair my credit ( in a threatening, antagonistic and intimidating manner ) by reporting this debt to a credit reporting agency. Immediately after the threat she disconnected ( slammed the phone, in the old days ) the phone when I tried to repeat the bill was paid. Since it is easier for this senior citizen to hear conversations on a speaker, my guest, Mr. XXXX XXXX ..., heard the entire conversation. Since Ms. XXXX XXXX XXXX XXXX had information relating to my age and medical issues I believe she was trying to intimidate an old man.
Consumer complaint received 2018-04-29
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 (FL)

Hello, I have a folowing situation - I just XXXX XXXX to XXXX and I don't have any credit history, good or bad. 

I went to Bank of America in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of Bank of America in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but I kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 

I notice that I have 5 hard inquiry from Bank of America ... But I requested only 1 credit card and I got 5 hard inquiry. 

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history.

I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past. 
But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card anyways?!
Consumer complaint received 2022-07-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Under Maryland law a debt collector has no legal right to collect a debt that is more than 3 years old. this auto debt was charged off by the lender in 2018. I was successful in getting it removed from my credit report only for a debt collector to report it to the credit bureaus after over 3 years and has succeeded in damaging my credit
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

My monthly payment for my Chase credit card ending in XXXX due every XXXX of the month. I pay every month on time. Now on XX/XX/2018, I made an online payment of XXXX at or around XXXX. On XXXX XXXX I get a text message that says my payment was not received. I log in to my account online and see I was given a XXXX late fee. I go back to my previous payment that I made XXXX XXXX and noticed I didnt get a late fee for that payment but it was due XX/XX/2018. I call their customer service to find out the agent claimed to refund the fee and says it should not affect my credit report. Now this is my issue one I have paid my bill on the XXXX many of times and never received a late fee, secondly and most importantly your website specifically states if your payment is made between XXXX et well credit your account for the date you choose, but you might not see it for 1-2 days. Now explain why I got a late fee again? I also have my confirmation email from scheduling my payment.
Consumer complaint received 2024-03-04
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (NY)

A bank draft payable to me was deposited into a Citibank account fraudulently. It was likely stolen from my mail. The bank draft was addressed and payable to me to reimburse me for vacation expenses by my friend a XXXX customer in XXXX. 

The account the draft was deposited in Citibank is not mine and not associated with me in anyway. Citibank did not verify the draft payee and allowed the payment to be drafted from the XXXX account. 

Citibank is liable for accepting this draft that had been altered and improperly endorsed by someone that is not me. I visited a Citibank branch in XXXX today XXXX and a Manager told me that it is not their responsibility which can not be correct.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
Account # 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 a account without my written instructions
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The information contained within this file is incorrect. The reported balance that XX/XX/XXXX is reporting is inaccurate. They are also not the rightful owners of this debt. When XXXX XXXX  closed the FDIC assigned this debt to be handled by the US Government. A formal complaint has been filled against XXXX XXXX, XX/XX/XXXX and the Credit Bureau.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

An attorney at the XXXX XXXX XXXX here in XXXX FL said that you are 'wonderful ' and would help me with this problem. 
In XX/XX/XXXX, I settled all my bills completely, and moved to XXXX XXXX for 8 months. During this time, XXXX started sending me on-line bills for my now non-existent cell phone which had been closed. I had to get a lawyer to deal with them, and XXXX XXXX XXXX XXXX. of XXXX, PA.was able to stop the harassment. 
On XXXX XXXX, XXXX, a collection agency called ERC sent me a bill from XXXX for {$300.00}, stating that my balance with XXXX remained unpaid. 
I believe that this is a fraudulent claim and that XXXX and ERC are harassing me.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have accounts with both Bank of America and XXXX. These financial institutions are making policies that violate the constitution while at the same time accepting tax payer funded government benefits. As a consumer of their credit cards and other events, I am forced to a great deal of personal time and expense to close accounts and then move them. This attack on our constitutional rights must be addressed.
Consumer complaint received 2020-07-25
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. (NY)

XXXX  and Experian continue to report a derogatory account on my credit file of a company called XXXX XXXX XXXX. There is no payment history, no date of default and the balance owed and account balance show inconsistent amounts. I have reached out to XXXX XXXX XXXX and informed them that I did not open this account and to submit proof of application. They just sent me a computerized bill and refuse to send me the contractual obligation. XXXX  and Experian just keep reporting the account as verified but refuse to furnish the method of verification. I was successful in having the account removed from my XXXX  profile for lack of proof of ownership ; however, XXXX  and Experian have been noncompliant. I would like to file a complaint against XXXX  and Experian for illegally reporting inaccurate and derogatory information on my credit profile and their refusal to comply with demand for verification of reported account of XXXX XXXX XXXX ; and XXXXXXXX XXXX XXXX for lack of diligence in helping resolve this serious issue.
Consumer complaint received 2018-12-11
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. (OK)

XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
Consumer complaint received 2018-12-11
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. (OK)

XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX {$500.00}XXXX XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
Consumer complaint received 2018-04-29
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. (NJ)

Experian failed to respond to my request for debt validation within thirty day as required by FCRA. This issue was never addressed by Experian as evidenced by their responses saved on the CFPB site. Despite this fact, Experian fraudulently claims the complaint is a duplicate.
Consumer complaint received 2024-03-04
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)

There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me but they are still reporting. I do not have a record of doing business with these companies. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (SC)

I have disputed this debt with the credit reporting agencies. I did not sign a contract with Credit Cop solutions Inc. They are trying collect on a debt originated with XXXX XXXX XXXX XXXX XXXX I received a letter from them stating what the feel was debt validation. It including no documentation, just them giving dates to when they acquired the alleged debt. I sent them a letter via registered mail XX/XX/2022. Requesting validation documentation. Explicitly outlining my request and gave them a 30 day time frame to send the info. They in return sent me a envelope with copies of statements from the original creditor only. No proof they owned the debt. No contract from the original creditor. They even falsely stated this not time barred and they have they right to pursue this debt. 
Attached you will see the letter sent to them and what they sent in return.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Equifax is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where Equifax got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Equifax is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

Zelle is the Only App that does not have any accountablilty nor does it warn users that sending money to a stand alone zelle app is not protected..Zelle and XXXX  XXXX only notify consumers after the money has been given and it does not matter if the president of the United Stated says it is fraud..the defense is that you should only use zelle for family and trusted friends..
Consumer complaint received 2022-06-15
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. (GA)

Experian will not take off this account by XXXX XXXX XXXX XXXX my information was leaked by XXXX in a data breach I have filed a ftc identity theft report about this situation, I want this account removed and blocked, I have reported this to XXXX and XXXX they have immediately removed this account off my credit reports, I had XXXX XXXX commit fraud in the past, I want this account removed and not be put back on my report, Experian needs to do there job, I have sent a ftc report to experian these people are rude mad unprofessional, I also filed a complaint against XXXX for the data leaked I have other accounts that was open due to my information being used yes, my information matched because someone used illegally now removed this account before I file suit, now I have uploaded my information to this website now remove this account and block it, all accounts XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  these companies have open these account fraudulently
Consumer complaint received 2018-07-18
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. (IL)

I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( Equifax, XXXX & XXXX ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in XX/XX/2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX/XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.