davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

Experian has not responded to my multiple request for validation or confirmation of validity of the following accounts reporting to my credit report : Bankruptcy ( removed from XXXX & XXXX ) US DEPT OF EDXXXX {$20.00} & {$59000.00} ( removed from XXXX  and XXXX ) XXXX {$4300.00} ( Removed From XXXX  and diffrent amount shows on XXXX  report {$4400.00} ) XXXX XXXX {$870.00} ( removed from XXXX  and Balance shows as {$0.00} balance on Transunion ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX  ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX ) XXXXXXXX XXXX XXXX ( Removed from XXXX  as invalid ) Letters have been sent requesting proof that I am responsible for these accounts and documentation used by experian to validate. All student loans were paid off and reported to all credit agencies. The bankruptcy was never verified by the furnisher as they have provided documentation that they do not provide such information to credit agencies. Experian fabricated there means of verifying this information and stated that they verified using XXXX XXXX I have attached documentation showing that my XXXX   XXXX  account has been frozen sinceXX/XX/2018 

I have made multiple complaints with CFPB and Experian always avoids responding by stating that I am not XXXX XXXX and that I am some sort of agency. They have been stalling for years using the same tactics. They have no right to report this information and have not provided any documentation explaining how the student loan accounts showed as paid off on all 3 credit bureaus then placed back on my experian account without notice or how they verified the public record with the court which does not provide this information to Experian. All request for validation on all other accounts remaining have also been ignored. Please see all documents attached as well as the recored call with Experian confriming Student Loans are paid off. ( they will not take calls from me anymore at this point ) They are avoiding me and by doing so they are committing fraud and causing so much damage by their negligence and refusal to abide by the FCRA.
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

Ocwen put me on forced placed escrow, {$1100.00}, in XX/XX/2017. I completed the agreement with no late payment, with payment in full for an entire year, so my mortgage was supposed to go back to {$620.00}! XXXX payment was {$800.00} because the agent said there was some sort of " negative balance '' I still owed and once I paid that, which ironically was the final payment towards said " negative balance '', call back in a couple of weeks to make sure the process was completed. I called back, mid XXXX, to inquire. I was told there had to be some sort of evaluation to see if it would be accepted. I stated that I completed my end of the deal so my mortgage should be regular. Also, as a note included on my account was, my mortgage would continue to increase if I didnt take advantage of a refinance option with them. I would rather die than continue any relationship with this company. I spoke with an agent today who stated, all I had to do was submit a written request to be taken off of the forced placed escrow, and it SHOULD go back to normal, once I submit the {$470.00} that I owed for some other " negative balance '' that I had absolutely no knowledge of. I am currently paying {$800.00}, after a deduction, and a review of my account from mid XXXX inquiry!
Consumer complaint received 2019-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/19 I contacted PayPal Inc. about removing limitations from my account. The agent responded by closing my account deeming me as too risky of a seller on XXXX. I provided PayPal Inc. with purchase receipts, tracking information, and everything to verify my identity but they continued to close my account. I currently have a PayPal Balance of over {$6000.00} USD that I am unable to touch for 180 days until PayPal Inc releases my funds. This is unacceptable
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNTRUST BANKS, INC. (MD)

I went to suntrust bank to open 2 accounts on XX/XX/XXXX and XX/XX/XXXX. The day before the funds were scheduled to be available from the bank placing a hold I was told my account was being closed by suntrust bank. They refused to provide me any reasons and referred me to a consumer agency they used to make this decision. The accounts I set up were on behalf of my son. When a I contacted the consumer reporting agency they stated I had a XXXX XXXX XXXXXXXX account. I never had an account with them and told them it was inaccurate. They refused to listen and told me the info is correct.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid off a cc for the full amount and requested it to be removed and it has not been and it is reporting inaccurate. I have a right to privacy and I did not give permission to any organization to put information falsely on my credit report on my behalf place and capitol one is violating my consumer rights. 
XX/XX/XXXX {$200.00} Closed XXXX Just reported negative payment history XX/XX/XXXX Reported 90 days late XX/XX/XXXX
Consumer complaint received 2019-04-25
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. (IN)

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws,  and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX for this account however Equifax was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XX/XX/XXXX and received the same response.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Everytime I make a payment my XXXX Capital one credit card account is placed on " restricted '' status and the account is frozen allowing no more charges to go through. The first time a payment was made was through a XXXX XXXX account from which I receive direct deposit. I called and was told as a security/fraud threat I need to verify account ownership of the account the credit card payment came from. Why? What fraud exists between a scheduled payment from an account in my name to an account in my name? Is this not something one bank can find out from another bank with a phone call or email? Instead I had to 3 way call between my bank and credit card company to verify account ownership and available funds. Is this not a huge breach in privacy! 

Now I have a job which doesn't offer direct deposit but deposit only paper checks. So I am forced to get a bank account. I made an {$850.00} payment to the card and the funds cleared on both sides and am being told that my account is again flagged for fraud protection and restricted /frozen until I fax a bank statement to prove ownership of this account. This account was opened a week and a half ago and therefore has no statements for another 2 and a half weeks. Do they intend on holding onto my payment of {$850.00} which they have already accepted and reject reoccurring payments for water bills and dentist payment plans until they get verification? Is this not solved by a simple phone call?
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX has not responded back to my attorney in which notice was sent to them regarding this debt with XXXX in which they never responded back to my dispute regarding this debt. XXXX was mailed several letters in regard to the matter before Midland Funding LLC bought this account and I still disputed the account with Midland Funding
Consumer complaint received 2018-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (UT)

Experian is reporting a debt for XXXX XXXX XXXX on a debt I do not owe, and not mine. I have filed a police report, Case # XXXX. Experian is the only one reporting this fraudulent debt.
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Community Cash Management Corp. (MA)

XXXX XXXX has repeatedly called my phone, looking for one of their debtors. I have repeatedly asked them to stop, to put me on their " do not call '' list, and to cease discussing someone's else 's medical debt. Instead, they continue to ask invasive questions ( asking if I know their debtor, what my name is, if I use the same offices, what my birthdate and social security number is, etc ) until I hang up. I blocked their number with my cell service and independently on my phone, and yet they still call endlessly and leave voicemails.
Consumer complaint received 2019-04-25
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. (TX)

XXXX  and Transunion are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number ****XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

after Equifax betrayed EVERY AMERICAN ADULT ( I did the maths. the breech was not just an amount of americans, it was LITERALLY EVERY AMERICAN ADULT. ), they were allowed to protect us ( from themselves? ). so maybe this time, something will get done : they have an address for me that is IMPOSSIBLE. i have NEVER in my lifetime even VISITED Oregon, yet Equifax has a Portland address for me ; also, they have my " current '' employment information as : Accurate Staffing Care. that company BELONGED TO MY FATHER, so when i tell you that NO ONE WORKS THERE, ESPECIALLY NOT ME, you can believe me.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

This bank is one of my few financial agency that failed to secure customers ' security. Both the bank and credit card service did not implement 2 step/factor authentication. My repeated calls, emails, secure messages requesting implementation of 2FA have been neglected and refused.
Consumer complaint received 2019-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (IA)

I was injured on XX/XX/XXXX and required emergency XXXX on XX/XX/XXXX which caused a hospital stay and for me to be out of work for 12 week as I was completely XXXX. I have my mortgage through AmeriHome Mortgage and contacted them immediately I believe around XX/XX/XXXX to get loss mitigation/forebearance plan processing as I was going to be out of work and unable to walk for that matter. I submitted all of the necessary documents and was told it would take 30 days. I received information back stating I had made error which i corrected and sent back to them. I called weekly asking if they had all the information they needed and was told yes each time. They told me then they had 30 days from XX/XX/XXXX to make a decision. Meanwhile, I had been getting foreclosure letters in the mail every other week, had been continued to be told nothing else was needed, was signed on my credit report, and was told on XX/XX/XXXX one day before a decision was to be made that they needed a proof of hardship which I got to them. I called them and told them I did not have access to fax machine as i could not even walk. They told me to upload documents and send via email and put on subject line loss mitigation along with my account number. Spoke with a very nice lady on XX/XX/XXXX who told me they had not received my documents and note said I would fax them which clearly could not have happened so she was going to try to get it handled for me. I continue to have no answers almost 90 days later, my credit score has been impacted and this has not at all been good for my recovery especially mentally. Dealing with them has been a nightmare and no one can help me or give me answers. They ask if i have friends I can borrow from? Which I think is totally unprofessional and acceptable given they are suppose to be helping me. They have been punishing me for being injured and I would like this cleared up as soon as possible. I have not backed down and have worked with them and gotten them everything they need in a timely matter even with being laid up for 12 weeks. This has taken a toll on my mental health and in no way seems just or fair. Please advise! Thank you for your time
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

I have been receiving multiple phone calls a day since XX/XX/XXXX of 2020 from different XXXX XXXX XXXX numbers. Upon looking up these numbers, they are all linked to Radius Global Solutions or XXXX XXXXXXXX XXXX TX. ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every single time I have asked for them to identify their selves, explain the nature of and verify the debt they are trying to collect on, as well as to please send me written notice of the debt along with any verifying documentation. I have asked how the debt was calculated and how it will be reported to no avail. Every time they just keep repeating that they are on a recorded line and then hang up. I get up to 5 calls a day from different numbers and I ask the exact same questions every time. It is now XX/XX/XXXX and the 5 days since initial contact has passed for them to send me written notice. I am absolutely furious as I pay my bills, have good credit, and am a law abiding and tax paying citizen. I can not stop them from harassing me as they change the numbers frequently. This could be identity theft or an attempt to collect on something previously paid.
Consumer complaint received 2021-03-05
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: General Motors Financial Company, Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and GM Financial. The Account Opened is GM Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 I sent a certified letter to transunion because I was concerned about unverifiable accounts on my credit report. On XX/XX/2022 transunion sent me a letter that clearly shows they are choosing to not verify my request, they are accusing me of using a third party or credit agency and I feel that this is a violation of my consumer rights. 

I am requesting that you make Transunion follow the rules and investigate my disputes.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (HI)

I am unable to transfer my American Express Membership Rewards points to my XXXX account. After speaking with multiple representatives over the phone and chat, I am still experiencing the same error : " This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program. '' There have been multiple theories proposed by the representatives that include name mismatches and frozen accounts. Regardless, I need my points transferred as soon as possible ; however, AMEX 's exhibited incompetence leads me to believe that transferring my points will not be an easy process.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about XX/XX/ 2018 Capital One removed {$1300.00} from my checking account without my consent or authorization. Despite spending many hours on the phone talking to various employees of Capital One, nobody was willing to give me any explanation for why the money was taken. I was simply told that they received a request from another bank that they couldn't refuse. The remainder of the funds in my checking account were mailed in the form of a check to my PO Box , and my account was closed. This caused a very real hardship, as I explained to Capital One that I had a flight booked that very same day to leave for vacation.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I reached a payment for agreement settlement with XXXX XXXX, debt buyer for Comenity Capital Bank. I met the agreement and paid in full. Documentation attached. XXXX XXXX deleted the tradeline from reporting to the 3 bureaus but Comenity will not hold their end of the agreement. I provided proof of this settlement agreement, payment proof, and showing of XXXX XXXX XXXX dismissal with prejudice. Comenity Bank responded to 6 disputes through 3 credit bureaus by refusing to remove the tradeline and continues to report derogatory information on late payments from XXXX. This is a violation of the terms of agreement and damaging to my capacity to secure financing.
Consumer complaint received 2020-12-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Braviant Holdings, LLC (MS)

I took out an installment loan through Balance Credit online. I paid it until COVID. I communicated with the company on numerous occasions and made partial payments. I was working on a settlement agreement with them and did not receive their last email due to it going to my spam folder. I contacted them and was told that my account was sold to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The number I was given to contact went to a lady who simply answered hello. I hung up. I was refused the address to the collection agency. I believe this to be a scam. The phone number they provided does not match either of the named companies above. I am now receiving phone calls from a number in my own state with vague details and threats of legal action if I do not call back and settle within 72 hours.