davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

As of this writing, I have sent FOUR certified letters, to the credit reporting bureaus Equifax and XXXX. The first three asked time and again to verify the accounts as being mine and to remove not account holding hard inquiries older than 30 days, also to show the original or copy of contract entered with original creditors they claim I owe. I was only given three separate replies saying accounts were verified as belonging to me and they only gave me statements i.e. missed payments, payments made. Nothing showing that the accounts are in fact mine, just generic statements. XXXX has said they will not investigate further.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (NJ)

I have been a victim of Identity theft since XXXX and my personal information was used by someone else to open more than 9 credit card accounts. I found out about this issue in XX/XX/XXXX, filed a police report and imposed credit freeze. Nearly all of the fraudulent accounts opened under my name using an address in California. I've never lived in California and my only address from XX/XX/XXXX to XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX KS XXXX. So far I've successfully removed most of the fraudulent accounts from my credit report by filing disputes through the credit bureaus. I'v also filed dispute with FORTIVA XXXX XXXX XXXX XXXX XXXX GA XXXX, but they kept asking for payments even after I sent docs including police report and my DL to prove that I am an ID theft victim.
Consumer complaint received 2021-12-10
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. (TX)

My complaint is about the wrong accounts found on my credit report. These fraudulent and illegal accounts do not belong on my credit report. I have contacted the Bureau directly and tried to solve this matter with them but theyre continuous neglect can no longer be tolerated. This is a serious error, and it needs to be investigated and deleted. I will attach a photocopy of my Drivers License and Social for identification purposes only! The accounts that I need removed are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I appreciate you removing these ILLEGAL accounts . 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-10
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Consumer complaint received 2022-03-26
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)

The company is XXXX XXXX XXXX XXXX. This account was discharged in a XXXX  XXXX bankruptcy and discharged in XX/XX/2017. This company continues to change details on this account many times per month and I even have screenshot images where it's altered more than once a day. This is an discharged account and XXXX XXXX XXXX XXXX has no legal rights to my credit profile. XXXX  XXXX is no longer entitled to report on that account once the account was discharged in XXXX. XXXX  XXXX XXXX XXXX continue to violate my consumer rights by adding derogatory ratings and false reports to this discharged accounts. Recently the company has contacted me with harassing letters about this account reminding me of the terms and conditions and the payment history and being untruthful about this being a legally discharged account in attempts to justify the unethical and very unprofessional behavior. The company sent me documents trying to force me to fill out an fraudulent fraud report. The company typed out an statement as if those were my words and expected for me to have this document notorized. This account has been closed for over 5 years I don't know why XXXX XXXX XXXX XXXX this this is ok to harass and violate innocent consumers and violate orders of the court. Then the company resorts to retaliation by continuing to keep this closed account active, updating details giving it the re-aged affect which has damaged my scores keeping them much lower than they should be. I haven't had anything negative reporting in well over 5 years. But because these discharged accounts are on my report and the company DOES secretly report derogatory false info on closed accounts, these accounts are seen from lenders as bad debt. That's not how a legal bankruptcy is supposed to be. I have included pages of evidence which will be forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is important that the company is exposed and held accountable for their actions. 

XXXX XXXX XXXX XXXX. has lied multiple times claiming to be reporting the account as accurate but according to FCRA and XXXX, XXXXXXXX XXXX XXXX XXXX. has no rights to the account after it's been discharged in Bankruptcy. XXXX XXXX XXXX XXXX. is clearly in contempt of court for violating an Court order Injunction. I have hundreds and hundreds of sceenshot images of all the illegal altering of my credit report and I plan on pursuing the matter legally.
Consumer complaint received 2021-12-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a letter from my original mortgage lender Bank of America ( BoA ) dated XX/XX/2021 which indicated that they were transferring my loan to Nation Star d/b/a XXXX XXXX. This letter stated that the change in servicer would not affect my credit score but it indeed has. This change has caused a XXXX plus points drop in my credit score across all three credit reporting bureaus. On XX/XX/2021, I contacted BoA and XXXX XXXX to file a dispute and the reps told me that the change in servicer should not affect my credit score. XXXX XXXX rep stated that I would receive a result of their investigation within 7 days - I have not received anything from them other than my issue requires further investigation. I also filed disputes with each credit reporting bureau. XXXX and XXXX notified me that the results of my disputes were complete but when I log in to see the results there is nothing there, to show that anything was done. I am desperately seeking help to resolve this matter and I have never paid my mortgage late and now this change has caused such a drastic decrease in my credit score. Please help!
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I inquiring about a bankruptcy that is on my consumer report that I did not authorize to be reported. I have reason to believe and do so believe I am a victim of aggravated identity theft under Title 18 USC 1028A on different occasions as TransUnion and XXXX XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I have requested validation numerous times and have not received any. Notice 15 USC 1611 ( 1 ) Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder shall be fined {$5000.00} or imprisoned not more than one year or both. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this. I demand that you cease and desist of this activity as soon as possible with in 7 days of receiving this notice. This includes eliminating this bankruptcy and anything pertain to it from your records, discontinuing and retracting reports you may have that I did not authorize. If action is not taken by you to cease and desist within the allotted time frame I will have no choice but to take legal action against your firm.
Consumer complaint received 2022-09-27
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. (IL)

In accordance with the Fair Credit Reporting act 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 2021-12-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ark-La-Tex Financial Services, LLC (TX)

The end of XXXX, 2021 I got XXXX and had to miss work. I contacted the company at some point and explained to them that I was going to have an issue getting my mortgage for the month paid and asked if there was something we could do so that I would not get behind, ( such as apply the payments to the end of the mortgage ) I was told that they had something that could help me, and forwarded me to another department. When talking to this lady, she asked questions and I was feeling confident that we could get this worked out, and she told me that because I didn't lose my job I wouldn't qualify. I didn't have vacation or sick days, so I wasn't paid while I was out sick. I sold items to get the money to get caught up. my payments are due on the XXXX of each month, and I only get paid once a month on the XXXX. I was told that as long as the payments were paid by the XXXX of each month I would be good. Most of the time my pay checks are in my account by then and I can get it paid. I contacted the company after my first late fee and discussed getting it taken off and was told that because I was not caught up they couldn't take it off. I have contacted Benchmark on many occasions trying to avoid messing with my credit. I am a veteran, I am doing my best to get caught up. Being in the hospital and trying to recover and pay what bills I can. I realize that yes, I did pay late, but I called and tried to stop the negative remarks on my credit. I have worked hard to keep my cred it decent and the negative report of my being late twice is impacting my credit score. the loan is Benchmark, # XXXX
Consumer complaint received 2022-10-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One no longer offers the Savings Account product called Capital One 360 Savings ( 0.30 % APR ) and customers were not automatically converted to the new account type Capital One 360 Performance Savings ( 2.20 % APR ) with a better interest rates. The Capital One 360 Performance Savings account was created on XX/XX/2019 and my product is no longer offered. 

I was not notified to close and convert to the new account type that offers a significantly better Interest Rate. 

A bank is responsible to ensure they are doing what is in the best interest for the customer and if a product is no longer offered and the new product that is similar to the product type I opened has a better rate, they should automatically convert them OR contact them until they reach the customer to convert them to a product that is offered. 

Today - Capital One only offers two savings account : Capital One 360 Savings Performance ( 2.20 % APR ) and a Kids Account ( 0.30 % ). 

My Individual Capital One 360 Savings account is earning the same as a " Kids Account '' ( 0.30 % ) since 2019 when the account product type closed and the new Capital One 360 Performance Savings replaced it.

I NEVER opened my account type as a " Kids Account ''. 

Capital One should pay me back interest when this account type closed and the new account type was opened/replaced it ( since XX/XX/2019 ) to current day. They owe me back interest for this account.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I logged in to make my monthly payment a few weeks ago ( XX/XX/XXXX scheduled payment ) and there was a error with my bank and the payment was returned. I immediately logged back in to PennyMac, and made a new payment which was successful. ( XX/XX/XXXX ) After the successful payment, PennyMac tried to debit my account two more times ( XXXX and XXXX ) for the XXXX payment- which they already had. As a result, I have 2 NSF fees on my account from my bank ( the bank already acknowledge their initial error and refunded my initial fee for the returned payment. That is not what this complaint is about ). 

There is no reason for PennyMac to try and process my monthly payment AFTER they already received it. Certainly no reason to do it twice. As a result, I have {$58.00} in NSF fees with my bank which would not have occurred without Pennymac 's error. 

I already tried to resolve with the company, and the rep doesn't even understand what the problem is, so I'm escalating.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Almost a year and 1/2 ago I contacted XXXX XXXX to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with Experian sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called XXXX XXXX today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with Experian online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called Experian and an Experian Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off my credit report?
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Almost a year and 1/2 ago I contacted XXXX XXXX to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called XXXX XXXX today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off my credit report?
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Almost a year and 1/2 ago I contacted XXXX XXXX to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called XXXX XXXX today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off my credit report?
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (MA)

I have had a credit card with XXXX XXXX XXXX for several years, since XXXX. I have exceptional credit, and I would use my {$13000.00} credit limit for my XXXX company, where I would average about {$10000.00} monthly in usage. I missed a payment of {$23.00} for XX/XX/XXXX, whereas my bookkeeper simply missed the payment, or potentially two payments. Either way, I have been an excellent consumer and credit risk for FNB Omaha XXXX XXXX XXXX, and I ask for a one time courtesy on the late payment ( s ) and a reinstatement of my card. I will place an automatic payment on my card. My company generates over XXXX in business annually. I have excellent credit and desire to keep it that way. I'm requesting full reinstatement and apologize for this misunderstanding. XXXX XXXX