davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My account has been delinquent for 90-120 days. I was working with them to make arrangements on my account - between Kohls collections department, an outside collections agency, and customer service in the XXXX I have no idea who was helping me when because nobody ever identified where I was actually calling, I was constantly rerouted all over the world. I spoke with a woman several times to try and negotiate a settlement, in our last conversation she recommended that I bring the account current and stated it would get the account out of collections, and Kohls would remove the late fees they charged on the account. I ended up making the payment on XX/XX/XXXX to bring the account current - and so far Kohl 's hasn't removed any of the late fees. I spoke with three people ( maybe in the XXXX? ) ... two people on XX/XX/XXXX and one person on XX/XX/XXXX. All of them said that it would be updated to the credit bureaus, all of them gave me different dates in which that would happen. The last person I spoke with on XX/XX/XXXX said that the credit bureaus were updated as of XX/XX/XXXX, and it's up to them how quickly they update my report and I would have to call them. So I called XXXX XXXX and asked why it hasn't been updated and they said that Kohls has not updated the bureaus and I would have to call them to get them to update the bureau. So I called Kohls AGAIN today XX/XX/XXXX - I talked to a woman for 1 minute and quickly requested a supervisor - she put me on hold for 8 minutes, I could hear her typing and talking in the background and I kept saying " hello '' and she wouldn't respond. I hung up and called back. Another woman answered, I explained the situation to her and how I was waiting on hold for almost 10 minutes. She gave me so many different reasons as to why the bureaus haven't been updated and when they would be updated and how they would be updated, contradicting herself with every sentence. 30 minutes into the phone call I learned that I was talking to Kohls customer service in the XXXX! She then transferred me to Kohls collection department where I spoke with a guy about the status of my account. He confirmed the account is current and couldn't tell me if it's been updated on the bureau yet or when exactly it would be updated, just that they " update sometime each month ''. I also asked why the late fees haven't been removed yet, he said that he doesn't know why and doesn't see that was offered in the notes - so I requested he go back and listen to the recordings because it was offered and I did pay the past due so the late fees need to be removed.
Consumer complaint received 2023-04-13
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2019-07-29
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. (FL)

I have been locked out of my online social security account from XX/XX/2019 that tried to log in and was unable to create a new account with the help of the SSA because Equifax data was breached and all my security answers to the questions to my file were wrong. 
the addresses, the mortgage loan, etc was unknown to me. 
I tried to contact Equifax as told by SSA to fix this issue but had no response in 4 months. 
Please fix this issue.
Consumer complaint received 2019-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AR Resources, Inc. (VA)

This debt was discharged when I filed Bankruptcy. I also received 100 % financial help fr the hospital for the months of XX/XX/XXXX and XX/XX/XXXX. Please remove this debt from my credit report.
Consumer complaint received 2022-10-06
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. (OH)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. 

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXX bank - account number XXXXXXXX XXXX XXXX  XXXX XXXX -account numberXXXXXXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX account number XXXX XXXX XXXX -account number XXXX XXXX XXXX XXXX- account number XXXX XXXX- account number XXXXXXXX XXXXXXXX XXXX XXXX- account number XXXX XXXX XXXX XXXX an- account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX Unknown account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PBCAPIGRP- account number XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

My name is XXXX XXXX. I purchased an XXXX  from XXXX in XX/XX/XXXX. I had an account open from XXXX XXXX. I closed that account so I could assume responsibility for the phone and phone number I had from my ex-boyfriends account ( he had disconnected the line in XX/XX/XXXX, which is why I went to go open a new account in only my name, but then he agreed to let me keep that original phone I had. ) I wasn't able to pay the account in full at cancellation, but months later I did pay the account in full. I have a letter from XXXX  XXXX XXXX and a Bank Statement showing I paid {$1000.00} to XXXX on XX/XX/XXXX. ( I made the payment XX/XX/XXXX and it posted on XX/XX/XXXX. ) For the past few months my children and I have been receiving harassing calls from a company called I C System. The call says scam likely on the phone. I called XXXX to report the calls and they advised me to block the calls and download and pay for an app called XXXX. After months of ongoing issues, I asked what else I could do. An adviser suggested switching from XXXX to XXXX because XXXX is more secure and less likely to have scam calls. After having 3 XXXX phones for less than 1 year, I purchased 3 new XXXX phones. I brought in the XXXX XXXX with hope to use it as a trade-in. I was told the phone was blocked because money was owed on the account and it was sent to collections. I told the person helping me I paid XXXX in XXXX. He called the collections agency. A woman with a rude tone told me over speaker-phone that I had never made a payment. I was embarrassed in front of a store full of people. I wasn't allowed to use that phone for any credit. The XXXX rep became rude, charged me full price for all three new XXXX I asked for new phone numbers for the new phones. He said he could show me but there would be a charge. I said I would be ok with that, I just don't want harassing calls anymore. I told him I wanted to handle it right then. He said, no you don't want to pay {$20.00}, just call customer service when you get home. He put the new items in the bag and called over another customer. 
I have been getting emails regarding I C System updating XXXX, and XXXX. XXXX XXXX had to be the one to notify me. I recognized the name from the annoying phone calls immediately that have been plaguing my family all year. We block a number, they call from another number. 
XXXX should have never sent my account to collections. I paid my account in full. They broke the law, my children and I have been harassed, and my credit has been adversely affected.
Consumer complaint received 2022-12-15
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: FISERV INC. (CA)

On XX/XX/XXXX, my mother was issued an XXXX XXXX via Money Network XXXX XXXX ) for the third economic stimulus payment of {$1400.00}. She had no previous financial relationship with XXXX  XXXX  or XXXX. 

She had XXXX XXXX on XX/XX/XXXX, she could not activate the card, and as I was not the cardholder I was not authorized to activate the card, so no one did. 

As my mother 's heir-at-law, I filed a XXXX tax return for her, but IRS would not issue me the refund, saying the funds had been previously distributed to XXXX. 

On XX/XX/XXXX, XXXX acknowledged receiving my request to have the funds returned to the US Treasury, and requested various documents like the death certificate and ID. I sent these on XX/XX/XXXX, following up with a phone call on XX/XX/XXXX, where the representative said that he was putting in another request to have the IRS sweep the funds, but that he could not tell me when it would happen. 

On XX/XX/XXXX I received a reply letter from IRS saying the funds were still at XXXX. I contacted XXXX again and neither the representative nor the supervisor I spoke with would give me a timeframe for when the funds would be returned to the US Treasury. 

XXXX was also unwilling to send me any written confirmation of the receipt of my request to have the {$1400.00} returned to IRS or that my request was in process.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC. (GA)

Continuous robo calls using different phone numbers with the same or similar message : '' This call is solely intended for XXXX XXXX. If you are not XXXX XXXX, please hang up now and disregard this message. File number XXXX, ( or a variety of other numbers ), which was placed with Halsted or XXXX Financial Services has been escalated to our final review department due to the lack of response from the required respondent. A full review of this file is being conducted by one of our loss litigation specialist and a recommendation of action to our client is imminent. In order for your personal statement to be included in this review press XXXX ( or XXXX ) now to speak to the representative responsible for conducting the review, or call us at XXXX ( or XXXX, XXXX and other phone numbers ), immediately upon receipt of this message. Failure to respond will result in a recommendation being submitted to our client without your personal statement being submitted. " These calls come from a variety of phone numbers with area codes from mostly XXXX, and XXXX. 
I am not XXXX XXXX, and have never heard of Halstead Financial Services. These calls seem to come in " batches ''. I receive these calls several times a day from different numbers, for several days a week and then wo n't receive a call for maybe a week, then it the cycle starts again. I have deleted many of the calls or messages, but what I did save goes back to XX/XX/XXXX. 
These calls are mostly to my cell phone, but a few have been to my home phone also.
Consumer complaint received 2019-09-27
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. (LA)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian has the wrong name on file I sent in the proof of who I am and nothing has been fixed it's been over 9 months & it's stopping me from buying a home & Car I Contacted them over 70 times about this and nothing Changes my name is XXXX XXXX
Consumer complaint received 2019-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

My son received a {$8000.00} loan from NAVIENT in XX/XX/XXXX. It is XX/XX/XXXX. The loan balance amount is OVER {$8000.00}. We're paying {$180.00} a month and this loan amount has not went down in 8 years! I am so tired of paying this loan. Can someone PLEASE help  me! This company is robbing me!!!
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (TX)

I called Equifax and informed them that their were inquiries on my consumer report that was unauthorized and that I do not recognize. I demanded that they remove these inquiries off my consumer report as I never gave them permission to report anything inaccurate and negatively on me. Pursuant to federal law Title 15 USC 1679c - Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for 10 years. This information is inaccurate, alleged, and defamation of character.
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc. (SC)

I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints.
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a Capital One Bank Credit Card which I closed out in XXXX of XXXX. There is a credit balance on the card Of {$54.00} I was told would be mailed to me in the form of a check. It has now been almost six months and Capital One has refused to send me the balance claiming there is a restriction on my closed credit card account.
Consumer complaint received 2019-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On or about XX/XX/2019, I contacted US Bank to report 17 unauthorized charges made to my checking account using my debit card ending in XXXX. US Bank issued provisional credit to my account on XX/XX/2019 in the amount of {$4200.00}, inclusive of any fees associated with the fraudulent charges. Claim number XXXX was opened. I timely returned the affidavit of fraudulent charges and patiently awaited resolution of my claim. On or about XX/XX/2019, I received two letter from US Bank dated XX/XX/XXXX, and XX/XX/XXXX, indicating that US Bank has found in favor of the merchant and that they would be reapplying the fraudulent transactions to my account. I was shocked and surprised to see that US Bank is requiring me to pay for fraudulent transactions which I did not authorize nor did I receive benefit from. US Bank proudly displays its Zero Fraud Liability guarantee but it appears that it nothing more than a farce. US Bank has flouted federal law by forcing me to pay nearly {$4000.00} in charges which I did not make. My follow up calls to US Banks Fraud Department, Office of the President, and US Bank General Counsel XXXX XXXX has of of the date of this complaint yielded not results. 

I am considering filing a small claims action to redress my loss.
Consumer complaint received 2022-01-12
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: Guild Holdings Company (HI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on GUILD MTGE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I already filed complaint XXXX. While the company responded, it did not resolve the problem at hand. Please review below and/or the feedback I provided on the original complaint. 


We received a letter in the mail shortly after this response. However, when we took out the original loan the agreed upon LTV in our contract with XXXX was 80 %. I can provide this original contract with XXXX if you need it ( please see attached ). Please advise where to send a copy of this original contract agreement. Additionally, per our original contract, we can request to have PMI removed if the value of the home increases and the LTV is 80 % based on a new appraisal. This will be the case in our situation, as our home value has increased significantly. Based on this, I expect the contract to be upheld and the required LTV to be 80 %, not 65 % as explained in this response and the letter. Once I receive confirmation that our original home loan contract is being upheld, I would be happy to send the BPO fee and necessary paperwork in response to proceed with the process. Thank you, XXXX XXXX
Consumer complaint received 2019-07-29
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: LEXISNEXIS (OH)

XXXXXXXXXXXXXXXXXXXXXXXXXXXX,OHXXXXDOBXXXXSSXXXXMyinformationisclearlyshownabove.Afterthiscreditfreezehasbeenfiled,pleaseforwardmeawrittencopyofmyfullreporttotheaddressIhaveconfirmedabove.
IwouldliketorequestasecurityfreezeplacedonmyConsumerDisclosureReport.
Ichoosetoopt-outofyourdisclosingfutureinformationuntilfurthernoticeincludingtheCreditReportandotherfurnishedinquiresregardingallpersonalinformation.
Thissecurityfreezerequestnotonlyrestrictscreditbureausandcreditors,butalsofuturepotentialemployersuntilIliftthisrestriction.UndertheFairCreditReportAct,youarerequiredtocomply.
Consumer complaint received 2021-05-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$1300.00} -This is not my account.
Consumer complaint received 2023-01-13
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX