davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I attempted to have Kohl 's pay my account in full every month by providing banking information. Either I entered part of the information incorrectly or there was a problem with the transmission. By the time I learned that the account was not on autopay evidently the account had become past due. I pay every credit card I possess in full every month through direct withdrawals. My accounts with Master/Visa/American Express typically have balances totaling $ XXXX each month and they are always paid in full ; the balance in the Kohl 's account that is reported delinquent was a little more than {$200.00}, an amount that is trivial. When I learned what happened, I paid Kohl 's in full but was so annoyed with the way this was handled, I closed the account! Because I made a concerted effort to correct my bank information and pay Kohl 's in full in a timely manner, reporting the account delinquent to the credit bureaus is completely misleading -- it is the only late account on my entire credit report, that has a XXXX-year history. I have called Kohl 's on at least two occasions and asked them to remedy this but they have not. My credit score dropped approximately 100 points because of this issue. Kohl 's needs to do the responsible thing and delete their report to the credit agencies that I paid late. They are acting in a fashion that is reckless and irresponsible.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

this collectors name is XXXX XXXX XXXX. XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in department XXXX XXXX XXXX , XXXX XXXX  ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX   XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Agency : ERC is not a bonded agent in the state of Florida. 

Original lender : XXXX XXXX XXXX XXXX Amount : {$130.00} XXXX  acct : XXXX XXXX acct : XXXX Placed for collections XX/XX/2016 I  have attempted multiple calls to this company informing them that this debt does not belong to me. There response is to send me collection letters. Furthermore. I receive daily robo calls from this company, at least 7 per day. I have been at my current address for greater than 5 years and have and at no time in the past have I had an account with att and wireless.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Comerica (KY)

My XXXX  XXXX  MasterCard isn't releasing my credit info but I keep getting charged by all 3 credit but was monthly and it's making a score of XXXX it's not right it was XXXX they are robbing me with bank fees to at XXXX XXXX  XXXX  in XXXX  ky XXXX it's litteraly the credit bureau charging me over and over and XXXX XXXX us treasury card is being robbed. Some XXXX XXXX XXXX laughed at me like it's an error and it's not funny. Only credit card I got is XXXX  XXXX Comerica government card and it's secured my credit should be stellar never missed a payment on my at & t bill ever either. It's not fair
Consumer complaint received 2020-09-15
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. (GA)

The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.
Consumer complaint received 2019-02-02
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. (GA)

XXXX XXXX XXXX contacted me about an account that I had no knowledge of back in XXXX of XXXX. I filed a police report and went to have forgery affidavit notarized as advised and submitted it back to XXXX XXXX XXXX. I submitted the information to Experian and they deleted the account on XX/XX/XXXX under : XXXX XXXX XXXX  Account XXXX I checked my credit report on XX/XX/XXXX only to discover that the original creditor XXXX XXXX XXXX sold the debt to a new creditor under the name of : XXXX XXXX XXXX  XXXX It is a FCRA violation to reinsert a deleted collection back on a credit report without proper notification either by mail or by phone. Neither happened because the account is a result of identity theft. Please do not put a freeze on my account but please remove this collection listed under : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (FL)

On XXXX XXXX, 2022 I spoke with XXXX XXXX on behalf of XXXX XXXX of SpringOak Capital about a debt showing on my credit report. 
XXXX told me, the contract for my debt has been sold from XXXX XXXX Bank to Spring oak capital, without my consent. I demand the ORIGINAL contract agreement that I signed giving consent to my debt being sold be sent over to me immediately. This is not the first letter or complaint filed with this company. Please see attached. 
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2022
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I'm locked out of my account my account disappeared and their sending me email after email to troubleshoot my account but it never works its an automated email and no one is getting back to me their like its your problem i have email receipts of XXXX ive purchased and i can prove i have an active account theirs no customer service just an automated service this us ridiculous i want my money almost XXXX  dollars and no Access no one answeres phone
Consumer complaint received 2022-09-02
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. (IN)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-02-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

The problems with this company are continuing. History and previous complaints made : 1. Originally did not credit over {$35000.00} principle pay down and took out 3 regular payments after pay down. This was finally corrected.

2. Next complaint was for not crediting us for the three overpayments. This was finally corrected ; however, they have now credited my MORTGAGE account {$1100.00} and taken out my XXXX payment. 
So in other words, they are still using my money to make for their company money. If this happened to at least 1000 other people ... that is a lot of money, over {>= $1,000,000} they are making off their current customers for not returning funds appropriately. Do they really think their customers are that dumb?
Consumer complaint received 2019-02-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a savings account with Capital one 360. Every year i log on to get my tax forms. the last actual transaction was XX/XX/XXXX, a withdrawal. The account was there to accrue interest for me. That is what savings accounts are for. XX/XX/XXXX I logged on to close the account so I could transfer to another account. The account was closed. Capital One and NY State took my money in XX/XX/XXXX. I had to file unclaimed funds. Which in itself is absolutely ridiculous, but now NYS is saying that it is going to take 90 days for me to get that money back because they are backed up. Well if they didn't steal everyone 's money they would not be backed up. I need that money. My mother is XXXX in Florida, if there is an emergency I need to be able to access those funds. There was no notification at all.
Consumer complaint received 2022-09-02
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. (IN)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these ASAP. Also, I want these late payments deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX was paid off on XX/XX/2022. 
Three times payments on XX/XX/2022 for pay off. 

Payment confirmation numbers XXXX, XXXX and XXXX. ( see attached files ) Everything paid off, XXXX should update Paid off information to credit bureaus and should delivered title to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to contact to XXXX but they dont pick up phone call. 


XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit reporting TransUnion put 2 more negative points on my credit. Last month my credit score was XXXX, I have no late payments in over two years, yet Im constantly being given negative points. From last months XXXX to this recent score of now XXXX. After my first complaint it seems my credit is now under attack. How would I ever be able to purchase anything with these constant negative scores.
Consumer complaint received 2017-07-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

XXXX   XXXX   ( now citizens bank mortgage ) refused to refinance my mortgage since they want to keep the absurdly high interest rate on the books ( 8.125 % ). My  credit score  is almost  XXXX  but they continue to bully me into paying this high loan. My loan matures in  2020  and they wo n't leave my tackle the issue before then. They keep saying " call me 12 months before your loan matures ''. They know I have good credit and are just trying to collect the WELL ABOVE MARKET INTEREST RATE.
Consumer complaint received 2019-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (NY)

In XX/XX/2018, I contacted Merchants ADJ Service to dispute the medical bill on my credit report. The person I spoke to would not verify the debt in writing.I then contacted the original creditor, XXXX Hospital, and asked the billing department to verify the debt. They had no record of outstanding debt in connection to my name, birthday, or social security number. On XX/XX/2018 I filed a dispute, online, with XXXX. The investigation determined the debt to be valid. 

On XX/XX/2018 Merchant ADJ Service reported a second medical bill, from a different facility, to my credit report. On XX/XX/2018, I contacted the XXXX XXXX XXXX XXXX, and they had no outstanding bills in my name. I was then transferred to XXXX in the billing department of the XXXX Hospital. She had no record of outstanding bills connected to my name, birthday, or social security number. I called XXXX, explained the situation, and filed another dispute against these two accounts.
Consumer complaint received 2019-11-15
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. (CA)

I got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.
Consumer complaint received 2018-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I have Navient as the servicer of my student loans originally through XXXX XXXX. My interest rate has been climbing faster than the prime interest rate for the past 4 years and now sits at 11 %. I've been given no answer other than, " sir, this is a variable interest rate that adjusts with prime '' for why my interest rate has gone up faster than prime and why I'm being charged a higher rate than other companies would offer. They offer no refinancing options. No options for adding a co-signer and seem happy to have their clients locked into loans they can not get out of in any way and charge exorbitant interest rates. 

This is predatory lending taking advantage of students trying to pay for their educations who have been convinced that the education is worth the investment. They refuse to work with their good customers and those who pay on time. I've never dealt with a more predatory company in my life.
Consumer complaint received 2019-02-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

In XX/XX/XXXX, and the week of XX/XX/XXXX I attempted to get a mortgage loan for a house and then a personal loan. In both cases the bank that i bank with and that receives my bi weekly pay check denied me the ability to get either. In XXXX I tried to get a mortgage for a home but Regions bank in XXXX ga onoy gives our home loans above XXXX. However that is significantly more than is required for a starter home in the area I am looking XXXX. So in XXXX I attempted to get a personal loan but qas still denied because of lack of credit history. However i have a good cresit score, no bad debt, and paid of student loans. Additionally, the amount i requested from Regions was less than the amount of money I hold in their accounts. I just needed it because the home purchase would be a significant endeavor requiring the money. I have all right pieces but have still be denied. The only reason they can site is lack of credit history, yet I am unable to access credit to build credit history. I believe this is a pattern of behavior with this entity from my conversations with others. Also, it seems to be intentional that they will not lend to be based kn my age, race, and the area in which I am trying to buy. Also, they wont provide any documents stating this but it has been all verbal which makes this hard to fight or challenge in any way.
Consumer complaint received 2019-02-02
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. (DE)

CFPB I am filing this complaint because Experian credit bureau filed a dispute on the wrong account twice. On XX/XX/XXXX I sent Experian a dispute for XXXX XXXX Account number XXXX asking for verifiable proof a request to disclose all information about this account of course they didn't comply. Upon checking my online credit report which is Experian Credit monitoring I noticed that the remarks never changed that the account is being disputed. But I did notice that my positive account with XXXX XXXX changed in the remarks that the account is being disputed. A few days later I received a letter from XXXX XXXX stating that they couldn't understand what the credit bureau was trying to dispute of course cause I wasn't disputing that account. On XX/XX/XXXX I sent Experian another dispute for this XXXX XXXX account and I made it clear that I was disputing XXXX XXXX account XXXX and Date opened XXXX of XXXX. Some how Experian does the same thing and disputed my positive account again instead and these accounts was opened on different years. In the letter I clearly wrote I am disputing the XXXX  XXXX account that was open on XXXX of XXXX. A few days ago I received another letter from XXXX  XXXX stating that they couldn't understand the information that the credit bureau sent of the dispute. I have copies of these letters from XXXX XXXX and I also have the last dispute letter where I clearly wrote I was disputing the XXXX  XXXX XXXX account that was open XXXX of XXXX these accounts was opened different years so Experian should of knew what account I was disputing. I called XXXX XXXX and they stated this disputed account was sent from a automated system which is probably the reason why Experian is disputing the wrong account. Experian is also showing incomplete account numbers which is also why they keep disputing the wrong account. Under the Fair Credit reporting Act I thought a credit bureau was supposed to verify these by the original documentation that the creditor send when they pay for the bureau services.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NE)

1. Never received communication of any kind from original creditor.

2. Never received a tear off dispute portion of any letter sent from collection agency to return via mail.

3. Never received notice of my rights to obtain documentation and verification of alleged debt nor my options if I disagree with the debt.

4. Never received a verification notice 5. Never received information of how this debt occurred nor what the debt consisted of.

6. This debt was part of a XXXX XXXX. No contact information provided of original creditor.

8. This agency reported this invalid debt to national credit reporting agency 's and have threatened to sue.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX was paid off on XX/XX/2022. 
Three times payments on XX/XX/2022 for pay off. 

Payment confirmation numbers XXXX, XXXX and XXXX. ( see attached files ) Everything paid off, XXXX should update Paid off information to credit bureaus and should delivered title to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to contact to XXXX but they dont pick up phone call. 


XXXX
Consumer complaint received 2023-04-04
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. (NC)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to get answers from transunion on why these inquries are coming up on my credit. i have sent multiple letters to transunion and the have not answered anything i have asked them to do.