davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
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 (MI)

On XX/XX/XXXX of 2017 I received a hard inquiry from Capital One, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from Capital One in connection with this request ( as I already have one and do not desire anymore at this current time. )
Consumer complaint received 2023-03-31
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. (IL)

This is my FIFTH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$1700.00}.
Consumer complaint received 2019-01-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For all intensive purposes, my credit report only shows positive marks. I recently closed 2 loans that were held active for a year or more. 

1 loan in the amount of {$23000.00} ( XXXX at time of payment in full ) originally and another a home mortgage loan paid in full at the time {$130.00}, XXXX. 

Approx. 1 month later the credit bureaus updated my credit score by lowering it 29 points.

My debt to income ratio sky rocketed, all account across the board saw reductions/decreased account balance ( s ).

I am disputing my credit score having a negative impact after satisfying loans that I always held in good standing.

There is clearly something wrong with the algorithm that calculates such scores. My buying power has most certainly gone up ... my credit score should have as well.
Consumer complaint received 2023-03-31
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. (VA)

Said my XXXX account was opened XX/XX/2020 and being reported as a closed collection account on my consumer report ( XXXX, Equifax, XXXX ) which I have know nothing about this account. Request to verify validation of the debt including names, address, original signed signature from signed contract of the person in question about the service. If can not be verified within 30 days at a reasonable timely manner, delete the account from report.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I locked my Equifax report via XXXX a while ago per the Equifax hack ... I recently began applying for mortgages, and was told by my brokers that I need to unlock my Equifax report to proceed ... I submitted an unlock request on the XXXX website, which states they try to do it in real-time, but gave me a message that it would take 48 hours. It has been over 48 hours, and I was hoping to get my mortgage approval in time to make an offer on a property, but the banks need the Equifax report to complete the process. 

I called Equifax, they said that the XXXX is a third party and I had to contact them to unlock. They essentially claimed they have no power to unlock their own credit reports, and shifted responsibility to XXXX  and said they are not affiliated with them, which is an obvious lie. 

I called XXXX, they said they do not know why it's taking so long, and submitted a service request that will take up to 5-7 days ... the property I'm looking to offer on will likely be sold in that time. The call with them ended with " thank you for calling Equifax ''. So they are affiliated after all. 

XXXX  was offered for free because of the Equifax hack that put their customers at risk, and Equifax continues to treat its customers as products ( products they can't even exert control over its seems ).  Why the government allows this incompetent firm to continue extracting rents from American consumers is beyond me. This company makes the DMV and the Post Office look like well tuned operations. 

Warning to all, do not use XXXX  and avoid any and all services from Equifax where possible, as they can not do the simplest of tasks and do not care about you ( the product ).
Consumer complaint received 2022-12-31
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-09
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. (FL)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (NV)

I am a consumer that is privy to the federal guidelines that agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the bureaus to send me 'validated proof ' that some debts I'm questioning are mine. After two request, I have neither received the proper validation or deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers to validate my requests. How this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (WA)

Back in XXXX of XXXX I found that I was being charged for a " Debt Protection Fee '' on my Best Buy Credit Card that I didn't know that I was enrolled in. I reached out to Best Buy and they told me they were going to look into it and mail me a response of their findings and possibly a refund. I never received anything in the mail. I signed into my Best Buy Credit Card account to see if I can find anything regarding the " Debt Protection Fee ''. I found that they sent me two emails to this account but I never received a notification. In the first email of XX/XX/XXXX, they acknowledged that I inquired about the " Debt Protection Fee '' and that I wanted it cancelled. In the second email of XX/XX/XXXX, they informed me that the " Debt Protection '' was  cancelled and that the fees charged to me are " Valid and Non-Refundable ''. Also in this second Email it says that I " Purchased '' the " Debt Protection '' on XX/XX/XXXX. I didn't have any knowledge of purchasing or enrolling to " Debt Protection ''. No employee ever told me I purchased or enrolled in the " Debt Protection ''.  Unfortunately, I only have visibility to statements from XXXX and the yearly charges are ( XXXX - XXXX and XXXX - XXXX ) and I am unable to view any charges from XXXX and prior.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (FL)

Quicken loans has tarnished my fico score from their own doing! 
So, with being told in XXXX that there is no need to make this payment and that if there was, they would just withhold the amount out of payment out of the cash we were pulling out. And " this is what they do ''. In the same manner as they treated us the entire relationship, we were lied to and misled many times. The loan fell through after XXXX long weeks into late XXXX. One hundred percent, Quicken loans misdoing. So, XX/XX/XXXX give or take was the date of this conversation. Fiance heard the whole thing as it was on blue tooth speakers. They, unbelievably, told me 3 days before 30 days late that the loan fell through due to their incompetence to see early on they couldn't accept a commission based income. It took the bank three days to undo the stop on the payment thus this ridiculous stab on my fico score. Ive called many times, same runaround. Emailed XXXX XXXX CEO. Nowhere. Two " executive mangers " ( can name them ) just cryed with me with no resolution in mind. 
So, with such a low fico score from the coals I was drug through with this experience, Im finding it hard to be approved elsewhere. Thus, making my apr to be higher with non-prime loans. It is in my immediate future goals to get away from Quicken. They made this impossible. They make you feel like you need to prove to them this conversation existed, instead of them proving it wasn't. 
Just unbelievable what happened here. 
Much more happened with this company that would turn your stomach. 
Too much to wright but have ALL the emails. 
# help
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Tel # XXXX.
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

Advance America debited my checking account with XXXX  XXXX XXXX ending # XXXX on wrong date and a sum of {$230.00} has a negative on my account with charge fees of {$35.00}. 
I am respectfully not able to pay the full amount of {$230.00}, but l can start a payment extension and payment plan with Advance America to pay payday loan. 
Also, the fees are very high on payday loans and interest over 45 %. 
I am respectfully XXXX Lifetime and Retired and a XXXX XXXX Honorable Military Veteran and on a XXXX fixed income.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2018 I made a deposit of XXXX $ to pay my rent. Capital one ATM had an error and returned my card but not my money I made a claim and was deny due to me having no funds I couldnt get a lawyer to get the footage of the atm I was there around XXXX-XXXX in the atm I put the claim inside with the banker. But after a few days I get a denial letter because I wasnt seen in the bank : ( this cause so mich fees for me and the bank just laughed at me and said they didnt take care of them I recently found out about this and I dont wish this on no one.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (SC)

We have been fighting with OCWEN Servicing since XX/XX/XXXX. My husband passed away in XX/XX/XXXX and we were never made aware that his name was the only one on the mortgage until XX/XX/XXXX. We had switched accountants and she noticed when doing our taxes. Upon finding out, we attempted to switch over the name to me, his widow. OCWEN indicated all they needed was a will, death certificate, a small document to fill out, and a copy of my license. We collected everything as necessary and sent it in. Weeks went by with them telling us they couldn't check the e-mail themselves but had to wait for it to " process ''. Eventually one gentleman confirmed that he had seen the documents and it would only be some more waiting. We received ANOTHER letter from OCWEN requesting the same documents, this time we sent them to another e-mail they insisted they needed it sent to. This carried on for weeks until we received a letter indicating that we would lose OUR HOUSE. They sent us back our house payments as well because they couldn't accept them while processing. So after communicating with them THIS TIME, we were told to resend all the documents, plus bank statements and then some. We e-mailed them AGAIN and even physically mailed the whole package to them. A few weeks later we AGAIN received a letter that they didn't have any of it. So today we called and they gave us a run around AGAIN, asking for ANOTHER form and MORE documents.We were on hold for over and hour while they tried to dump us off the phone. After some quick XXXX it is apparent that they do stuff like this all the time in order to foreclose on people 's homes and profit from it. We will not be screwed over by their greed or incompetence as today we have sent dozens of emails in various formats ( suddenly today we were told they could only be accepted in PDF format- which no one indicated these PAST FOUR MONTHS ) and will be mailing a packet that needs to be certified and signed that they received it. They think they're going to take our house like they've done with everyone else and that is NOT happening.
Consumer complaint received 2020-06-04
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX XXXX  XXXX {$530.00}
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I asked this newsletter to stop emailing me many times, and they refused. They basically dared me to stop them. XXXX XXXX  Act issue.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2018, I paid my HSBC credit card balance off in full. The money was deducted from my checking account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. My card was declined when I tried to buy food from a food truck on XX/XX/2018. On XX/XX/2018 at XXXX XXXX   PST, I called HSBC to inquire why my credit card was declined on XX/XX/2018. The customer service rep told me that because the payment was such a large amount ( {$1000.00} ) HSBC had to investigate and verify the payment. When I asked why it was taking them 10 days, she said that she did not know, but that the card would be available for use on XX/XX/2018. 

Two things are unacceptable : 1. That it took 11 days to process my payment. 2. That I could not use my credit card for 11 days. 

If I do not get this resolved to my satisfaction, I will pursue legal action.
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (VA)

FYI to CFPB ONLY : I am still being harrassed by XXXX XXXX XXXX  in XXXX for disputed issues on a XXXX  in late XXXX thru XXXX. 

XXXX XXXX ignored my dispute and complaints of my acct being frauldulent handle and they refused to address issues. DURING disputes bank : BANK actively sent acct thru credit bureau WHILE i was actively disputing acct in XXXX ... .30/60/90 days and a Hit on my credit report in XXXX, THEN showed for non-payment on false/disputed acct. 

How can a bank make their own rules and harass consumers at will? 

FYI, i will keep you posted on situation.
Consumer complaint received 2020-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

About 3 months ago Portfolio Recovery called my cell phone. I asked then the date the debt occurred. I was in 2008 ( 12 years ago ). I told them is was past the statute of limitations and to cease calling me. They tried to get me to settle and promised not to ding my credit report. I already knew the account had fallen off. They continued to try to settle the account. They did not call back for several months. 

Last week, I received a call again. I asked not to be contacted again and I asked for the address to send something in writing. The call was terminated before I got the information. 

I received another call today from a local number XXXX XXXX XXXX XXXX. Again I asked them to cease and desist. I got an address to send a cease and desist in writing. This debt is over 12 years old. In fact, I have established new credit with the original creditor.
Consumer complaint received 2022-03-09
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. (NC)

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (VA)

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX  Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been removed from your credit report. 

Source : XXXX Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX