davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (GA)

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-05
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Refunded an item with an XXXX vendor. It didn't go through. So spoke with an XXXX   vendor who tried to refund the charge, but it did not go through for whatever reason. I talked to XXXX but they were not sure why it did not go through and said to contact my bank or credit card company I made the transaction with. 

Called Capital One in XX/XX/XXXX or XX/XX/XXXX regarding a dispute with a transaction.They handled it well. Unfortunately, on there end they got the wrong charge and instead of crediting {$99.00}, they credited XXXX. First mistake. So they adjusted it later and everything was fine, until ... 

The charge came back in the form of a " transaction rebill ''. I called them to dispute it. That's when they made several more mistakes. 

XX/XX/19 Called Capital One Spoke XXXX, an " Account Specialist '' Explained simplistically as possible, the issue. They said they would handle it, that everything would be adjusted by next statement. 

Instead I received another form letter on XX/XX/XXXX-XX/XX/XXXX ( I was out of country ), telling me the dispute is closed. The letter referenced the wrong charge. It referred to the original wrong amount of {$96.00}. Not the correct {$99.00}. My account has been credited {$96.00} again, instead of me receiving a check for {$99.00}, as they said I would over the phone. 

XX/XX/19 I called Capital One again. I got XXXX, an Account Supervisor. I explained the ( now ) long story and she did not understand how they were in error still. She assumed that the account is balanced and there is no further action on their end. She insists the math adds up, but when I explained it, it still is missing {$3.00}. She was unable to explain where my account was balanced. They said they had sent a check, but they did not, so that was a lie. They said it was credited but they failed to explain where. They insisted the {$3.00} balanced the account, but they could not explain. Maybe they fixed it, I can't tell, because they don't know what's going on their own system.
Consumer complaint received 2022-02-03
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. (DC)

Equifax is furnishing accounts that are not mine! Pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) I am requesting ALL alleged debts to be verified within 72- HOURS of receiving this request or they be IMMEDIATELY REMOVED! Please see attachment for accounts in question.
Consumer complaint received 2022-02-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

I have been making payments on the mortgage for a few years. No problems. Now I am locked out of my account. This has been going on for XXXX months. I get no response by phone. I sent a regular mail letter to the company and got no response.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

After receiving a mail offer, on XX/XX/2021, I applied for a Chase Ink Business Card.

I'm the XXXX of XXXX XXXX that includes a commercial lease and residential lease which I own as a sole proprietor. I completed the information on the application and agreed to a credit pull. I already own a personal credit card from Chase.

I was denied the card because of the " business structure ''. I reached out to Chase to understand what that meant, since I properly report my XXXX XXXXncome and 1099-Misc on my tax returns and the card would be used for the residential and commercial property. The response was the same, business structure without any detailed explanation. If sole proprietorship is not eligible for such a card, then during the application process this should be disclosed so that there is no credit pull. 
I find that the offer and the application are misleading and deceiving, and at the end my credit was unnecessarily pulled. I suggest Chase revise the application process and clearly define eligibility criteria of which 'business ' is eligible for the card. 
Respectfully, XXXX XXXX
Consumer complaint received 2022-02-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, Financial Injury.
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: STATE FARM BANK, FSB (TX)

Asked information regarding the rates. Gave credit score, year of vehicle, make and model, loan amount, loan length, salary and was told 3.44 % was the rate I was QUALIFIED for. When I did the application, the rate I was given was 8.64 % ( almost 3x ). I attempted and contacted my agent and State Farm bank to get to the bottom of it, but was told I would get a call back and received nothing. Once I got a hold of someone they refused assistance and I was told I accepted the application and what it entails. I was completely mislead and would have not applied if I was going to get an APR as high as 8.64 %
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

This company is trying to collect a debt from me even though they do not have a contract to do so. I have asked them to show me the contract and they refuse to produce it. How can I know the terms of the debt repayment as far as fees, interests, and various costs go if I do not have a copy of the original agreement? Producing monthly billing statements is not enough and establishes that they do not have a contract and that one may exist, but they for sure do not have it in their possession. I want this harassment to stop. I am a XXXX citizen and this is causing me a lot of anxiety. I do not know why I am spending so much time trying to fix the mistakes of this company.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Reason : Identity theft Please remove it from my Credit Report. 


Account Name : NAVY FCU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2022 I received a Credit Card in the mail for BofA XXXX. This CC was in my former married name of XXXX XXXX XXXX. This name was changed 10 years ago. I thought it was a scam trying to get me to open a CC. Then the next day I received a statement in the mail for {$59.00}. Monday XX/XX/2022 I went to BofA and told them what was going on. They looked up the information and discovered that there was a fraudulent BofA Mastercard also. Both issued XX/XX/2022 in my former name. 
Both CC 's have been closed and there has been a hold placed on my Credit with all 3 credit report Companies. 
The CC account # 's with Bof A were : Partial Account # XXXX Address ID # XXXX Credit limit {$6000.00} Partial Account # XXXX Address ID # XXXX Credit limit {$7500.00} XXXX XXXX  Police Report XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (ID)

Dear Consumer Finance, I have a scheduled trustee/foreclosure sale on XX/XX/XXXX from a third-party debt collector by the name of : Shellpoint Mortgage XXXX XXXX XXXX, XXXX SC XXXX Attorney for Debt Collector XXXX XXXX, XXXX XXXX Attorney XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX, UT XXXX, loan number # XXXX My Information : XXXX XXXX XXXX Mailing, address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  ID XXXX No mail property address is XXXX XXXX XXXX XXXX XXXX ID XXXX, I am a pro se litigant, I have spent all my money on attorney fees for years, now I have to fight on my own and I am requesting any assistance you may provide me so I can stay in my home, especially since COVID-19 has devastated many people including myself and we are all going to lose our homes if nothing is done.

I am desperate to find any help I can to fight off these predators, can you please send this to an upline or to the bureau department head for immediate attention and help? Time is of the essence since the sale date is less than a month away. 

Please follow up with me I have provided all my contact information. My loan was originally a XXXX XXXX  Loan, they are now telling me it no longer is. Would you also provide information on this as well? 

Shellpoint is supposed to follow the Federal Government guidelines, but so far they deny that they don't have to follow any guidelines, rules, or procedures, including the foreclosure moratorium. 

Shellpoint tells me to send them my financials to see if I would even be considered for a loan modification instead of going through the proper channels, In the meantime, they are NOT going to stop or postpone the foreclosure XX/XX/XXXX sale, so what good is that? 

I do not have enough time to gather all of the documentation and paperwork they want me to submit. I am working extremely hard to gather my financials, but I dont trust them, and I want to go through the proper procedures and work with lost mitigation.

I doubt very seriously that Shellpoint is seriously considering giving me a fair shake at a loan modification, they see the equity in my home and have shown no indication of providing me with a loan modification, I have equity more than {$400000.00}.

Shellpoint wants my home and the equity ; they are definitely preyi
ng on people that are down and out. I pray and plead with you to please assist and help me in any way you possibly can to prevent this tragedy and the loss of my home of over 21 years. 

For one time I would like to be able to count on my government to help me. 
Sincerely, Desperate in XXXX XXXX  Idaho XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, ID XXXX Thank you very much, hope to hear from you very soon. 

P.S. When you receive this email will you please respond so I know you received it.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

Company repeatedly calls but refuses to identify their purpose for calling. When inquiring about whether or not they are collecting a debt, the company refuses to answer unless I provide my social security number. They then state that I refuse to comply/cooperate. I have not received any written notification and I refuse to provide my social security number to unknown callers. The number comes back to Wakefield and Associates and occasionally they will identify themselves as the caller ( but not always ). It is impossible to discuss anything with them on the phone otherwise.
Consumer complaint received 2018-08-14
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: Advanced Collection Bureau, Inc. (PA)

My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him.

After a few months he left the apartment and defaulted on the lease.

Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month.

I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.
Consumer complaint received 2022-01-20
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: Choice Recovery, Inc. (FL)

XXXX XXXX XXXX XXXX {$140.00} Choice Recovery- {$380.00} disputed with experian, XXXX and XXXX. fraudulent information on my credit report. They are in violation of the FCRA
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I tired to dispute this once as the consumer told me if I close the account they would consider and report to the credit bureaus as paid in full it I give them my account, checking and routing number to take payment out Monthly. They even told me this on recording. Ive spoken with them a few times and they did verify I was right on recorded lines. I tried to dispute this and account executive XXXX XXXX responded and denied my dispute but Ive called him about 100 plus times and left voicemails but he wont return my call which is bad customer service and shows he has no professionalism to answering me or speaking about this matter that his representatives caused.!
Consumer complaint received 2022-02-22
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: LEXISNEXIS (GA)

Lexis Nexis is showing up on all my credit reports two bankruptcy, so i get in touch with them asking to verify these inform, they respond they got it from the Georgia Federal Bankruptcy Court- XXXX.So i send this information to the court they respond back to me with a letter saying that the Clerk 's Office does not provide information to credit reporting agencies. 
So i send them a dispute letter requesting for the bankruptcies to be removed from my report, it's been over 30 days and no respond back from them, i have all my letters that i send to them as my prove. 
Can i get some help here it's damaging my report from me having a good credit. 

Thanks XXXX XXXX.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello! I am disputing a XXXX XXXX credit card debt that is on my credit report and that does not belong to me. I was underage at the time of this activity and had no previous knowledge of this. On XX/XX/2021. I disputed the information with all 3 companies of the credit bureau. Transunion, XXXX, and XXXX. Only one company XXXX has resolved this item all other companies are still reporting inaccurately and is still on my credit report. I sent a copy of my birthdate by current ID. That proves I was well underage at this time. XXXX sent notice back on XX/XX/2021 stating the account was accurate without any proof of accuracies. On XX/XX/2021 I filed a second dispute to verify with proof of identity with correct date of birth and etc. I have not heard anything back again. I am a entering college and my credit is very important to me. All i am getting is updates to my report stating the account is accurate when in-fact it is not. I feel as though i'm being defrauded and I have been taking all necessary steps to get this cleared up including filing a Fraud alert with the FTC and freezing all my personal info. Please help me.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (LA)

I have submitted proof that my account with XXXX XXXX XXXX was paid off in full. Equifax continues to report the status as charge off when I have submitted documentation on 3 separate attempts that it is paid in full. They continue to say they will reach out to the institute and then update account. The institute has advised they have not been contacted and has sent me a receipt multiple times of which I will also attach. the account needs to be updated as paid in full
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (AZ)

On XX/XX/2021 I noticed money transfers on my acct i received to phone calls from someone stating my acct was red flagged which i believe was the person doing the fraud well they hacked my bank acct and fradulenty sent XXXX in a money transfer to a XXXX XXXX but made it look as I sent it i received emails stating my acct was accessed from a XXXX XXXX which i do not own nor to i know any one in XXXX florida whome which i pay rent to upon contacted my bank Current bank in which i was unsuccessful in my dispute they claimed they were able to recover XXXX from this acct and wanted to offer a courtesy XXXX which is wrong i work hard for my money im a widowed mother of XXXX on a fixed income i have given all supporting documents and there is no resolution to my issue please help me get what is mine. Also so this does not happen to another innocent person.