davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (OH)

Names are inaccurate All those other spellings are inaccurate. EQUIFAX AND XXXX   WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX AND  OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX. For purposes of identification, my date of birth is XX/XX/XXXX and my social security number is XXXX. 

I write to request the assistance of Kolhs Executive Office in connection with a dispute that has been pending with Kohls/Capital One for several months now. 

The account in question was opened in XX/XX/XXXX and bears the account number XXXX. The negative remark on my credit report ( furnished by Kohls ) is inaccurate because I did not apply for or benefit from the goods and services provided by Kohls/Capital One.

I disputed this account with the credit reporting agencies on several occasions. Each time I was advised by the credit reporting agencies that the account had come back as verified.

I contacted Kohls charge related telephone line on two separate occasions. I ask the representative what factual basis Kohls had to assert that this account belonged to me. The explanation I received was baffling. Kohls stated that there was a payment made in XX/XX/XXXX to settle this account. On that basis, Kohls insists, this account belongs to me. I asked to advise as to whom the payment made and who actually made the payment. Kohls stated that it did not receive the payment, but rather, the payment was received by its collections agency XXXX XXXX. 

I then called XXXX Solutions ( Kohls collection agency ). The XXXX Representative stated that it had indeed received a payment in XX/XX/XXXX. XXXX Solutions could not verify who made the payment or how the payment was made. 

Today, I called Kohls again. I explained to the Kohls representative that, again, this account did not belong to me. I further explained that XXXX Solutions could not verify who made the payment. It certainly could not substantiate that I was the one who made the alleged payment. ( I did not make the payment. I never applied for this account ). The total limit of the card appears to be a paltry {$300.00}. If XXXX Solutions is accurate, Kohls has recovered {$350.00}.

The presence of the negative remark on my credit report is inaccurate. I am appealing to your sense of decency and requesting that the Office of the President immediately direct that this negative remark be removed from my XXXX  and XXXX  reports. Please help me.
Consumer complaint received 2023-03-23
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the 500s. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced sexism from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over 700, mine never made it past low 600s. I know the industry is XXXX because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their XXXX and sexist practices?
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

I opened an account with Navy Federal credit union so our agreement an contract gave my consumer information to extend my credit I had a car I sold so I had a cashier 's check from the company I never got my money next thing my account closed with out my consent or Authorization so XXXX XXXX manager of financial services told me to file a claim plus I was denied credit an I no 15 uSC 1605 ( a ) finance charges so I was robbed for credit, two insurance deposit for XXXX for checking XXXX for savings an it was stolen breach of contract 15usc 1681 15 uSC 1611
Consumer complaint received 2023-03-23
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: Paypal Holdings, Inc (FL)

I usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX pay pal account opened ( isnt mine ). XXXX XXXX XXXXXX/XX/XXXX ( isnt mine )XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( isnt mine ) XXXX XXXXXXXX XXXX XXXX ( isnt mine )XXXX XXXX XXXX XXXX XX/XX/XXXX ( isnt mine ).
Consumer complaint received 2020-02-18
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I applied online for a loan a year ago. The amount of the loan was {$2000.00}. I been paying this loan for almost a year. I pay $ XXXX  monthly. I called the company to see how much was the balance of the loan. And they told me it was {$2000.00}, i asked how come is still the same balance if its been a year and they told me all this time I only been paying interest of the loan. And I only pay {$4.00} fo the loan balance and the rest of the money goes to interest. Please help.
Consumer complaint received 2022-07-23
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: AMERICAN EXPRESS COMPANY (NY)

Account to delete : American Express ending XXXX Default Judgment In New York State, the statute of limitation to collect the debt is three years. 
You, American Express, can not send any more communications, statements, and correspondence on any medium about a debt. 
You, American Express, have not provided any documentation proving that I owe alleged debt. 
You, American Express, did not and stated in last correspondence that you will not send me any documentation, including the original contract. Pursuant to 15 USC 1666, you have forfeited your right to collect alleged debt. 
You, American Express, did not validate or verify an alleged debt with XXXX XXXX. 


With Regards, XXXX XXXX XXXX/consumer/natural person yes, in fact, i am the consumer pursuant to 15usc1692a3 all rights retained.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American First Finance, Inc. (IA)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Delinquent account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I was disputing the information on my credit report without success. So as a compromise, I contacted Fifth Third Bank to settle the debt as paid and full if they deleted it from my credit report completely. The representative I spoke with agreed to settle and delete the account for {$280.00}. I wrote a check for the agreed amount along with a letter detailing our conversation. They received and cashed the check but did not report it correctly to the credit bureaus.
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (NY)

I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

On XX/XX/19 My home experienced a catastrophic hail damage event. On or about XX/XX/19 I contacted FLAGSTAR BANK, my mortgage company, to initiate LOSS DRAFT claim. FLAGSTAR BANK provided a packet of information needed in order to release funds and co-sign / endorse the funds provided by my insurance company. FLAGSTAR 's requested forms were outside the normal requests, required affadavits, notorized, documents, detailed and lengthy documents from both me and the general contractor / repair company. Since then : ( 1. ) FLAGSTAR has refused to return 5 calls ( 2. ) FLAGSTAR has refused to have a manager contact me despite 4 requests ( 3. ) FLAGSTAR has not returned a single email.

( 4. ) FLAGSTAR has not been responsive and supportive with required to paperwork completion, asking for petty changes and requesting multiple revisions.

( 5. ) FLAGSTAR has failed to process and acknowledge provided paperwork.

( 6. ) FLAGSTAR has been obstructive, slow, and unsupportive during a time of need and calamity for my family and me.
Consumer complaint received 2021-02-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( XXXX ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/XXXX2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation. Now as of today ( XX/XX/XXXX21 ) I have received notification from Experian that I am a third party and they can not process my complaint. No one else is listed on credit report and I confirmed that all information was accurate.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Hello, I am reaching out to file a complaint about my mortgage servicing company MrCooper. Despite being the subject of multiple federal and state investigations, and having most-recently settled claims brought by the CFPB and the Attorney 's General of all 50 State, the company continues to engage in a number of unlawful and predatory practices. Specifically, my complaint refers to MrCooper 's : 1. Engaging in a number of unlawful mortgage handling practices. 
2. Failing to adhere to commonly acceptable industry standards of service. 
3. Failing to properly handle my loan modification requests. 
4. Failing to properly conduct an escrow analysis. 
5. Misrepresenting the loan modification options available to me. 
6. Improperly denying my application on multiple occasions. 
7. Failing to follow the investor 's ( XXXX XXXX ) guidelines for loan modification.

8. Structuring the modification in a manner that maximizes

MrCooper 's own financial gain, is predatory, and significantly harms the borrower, without properly addressing the fundamental needs and rules of modifying the loan as et forth by XXXX XXXX. 9. Engaging in unfair and deceptive mortgage servicing practices. 10. Failing to follow the detailed set of rules and " servicing standards '' set forth in the content judgment MrCooper 's reached with CFPB in 2020. 
11. Failing to have and enforce proper procedures in place.

12. Failing to properly investigate consumer complaints.

Over the course of many months, I have contacted MrCooper over 2 dozen times, attempting on multiple occasions to escalate and address the matters described above. Unfortunately, the company has failed to adequately respond. MrCooper 's unfair, predatory and illegal practices have caused me substantial financial harm and have greatly jeopardized the safety of my home.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Unity Asset Management (TX)

XXXX XXXX XXXX Unity Asset Management XXXX LLC XXXX XXXX XXXX XXXX ( this is the number that comes up on caller ID ) A XXXX XXXX keeps calling me. threatening me saying im in refusal, when im ill with XXXX and cant talk this is the number that he says to call back XXXX please have them stop!!
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX is still showing my account as negative and this re-aged tradeline has still not been removed. The Credit Reporting Agency has failed to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I do not owe ) originally stemmed from a disputed XXXX XXXX charge, which was transferred to XXXX in XXXX. XXXX unlawfully re-aged the XXXX disputed debt to make it appear that it was a more recent debt. The underlying debt, however, is over seven years old and must be removed since any debt over seven years old must legally be removed from a credit report. Here, the debt is stale dated but also stemmed from disputed charges, which XXXX XXXX agreed to remove. After notifying XXXX that it was furnishing inaccurate information to the Credit Reporting Agencies, XXXX re-aged the account ( making it appear more recent than it was ) instead of deleting it. XXXX has been the subject of multiple enforcement actions by the government. Here again, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. Please ensure the deletion of the XXXX tradeline from my accounts to help avoid litigation. This debt has been transferred around to multiple lenders and is over seven years old. As such, this tradeline should be immediately deleted from my credit bureau reports. I would also CFPB to provide any factual findings so that I may use them in a FDCPA action against XXXX and a FCRA action against the credit bureau for its failure to cease reporting inaccurate information. These parties were notified of the inaccuracies on my credit report on numerous occasions but failed to take action to correct the errors so are in violation of several consumer protection laws.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have capital one 360 checking account and I never used my debit cards. In addition the debit cards are locked in safe box, it has no way for other people to steal my debit car numbers and security code. But in XX/XX/ around XXXX XXXX New York time my debit card was charged twice by XXXX for {$19.00} each. 

I immediately called Capital One and have them to replace my debit cards and I am waiting them to resolve this security issue. 

I strongly believe that Capital One 360 bank system is/was hacked. Please do your investigation. 

Thanks.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America does not let me cancel auto pay. They charge {$330.00} monthly. I called them and they refunded it on XX/XX/XXXX. But they charged it again on XX/XX/XXXX. 

Their customer service is extremely inefficient. I spent more than two hours, spoke 9 different people, one of whom is a customer service specialist. None of them was able to cancel my auto pay. They kept me transferring from one department to another with no solution at all. 

They are keeping my money with no right and I want my money back! 

If you never get any credit card from Bank of America, please dont. Once they hook you their auto pay system, there is no way they will let you go. You are stuck with them forever. And once again, their customer service is the most inefficient and horrible service I ever experienced!
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TN)

In short, we purchased furniture through a 48-month equal pay no-interest credit card offered by XXXX XXXXTD Bank. We have made every payment on time through autopay with our bank XXXX XXXX Everything has been fine, but around XXXX of XXXX, they started to recieve our payments late and charging us late fees. We called and moved up the payment another week in our system. Still, they received late. We called again, moved it up another week, and still, they charged us a late deposit. At this point, after calling and trying to work it out, it is clearly intended to make money, or they are completely incompetent. They owe us over {$130.00} in late fees that frankly were not sent out late.