davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (IL)

Equifax, a credit reporting and monitoring company who is responsible for handling my personally identifiable information ( PII ), mishandled my PII which allowed for the information to potentially be compromised. They believe the my PII was compromised. The discovery of this issue happened inXX/XX/XXXX, however the estimated 143 million people that were impacted or may have been impacted were not informed. By their own admission, they will not be informing everyone. 

They provide the option, along with the other credit reporting companies, to freeze your credit to protect against others fraudulently using my PII to obtain financial services in my name. Unfortunately, they charge for this service absent of a police report or file through the Federal Trade Commission ( FTC ).  It is completely unacceptable that consumers will have to pay Equifax, the company who mishandled their PII, to freeze their PII so that hackers who obtained their PII due to Equifax 's mishandling of their PII can not use that PII that they would n't have had if Equifax had not mishandled that same PII. This needs to be a free service, or suits need to happen to refund everyone who paid for this service ( including interest ) afterXX/XX/XXXX. Filing a report and going through official channels takes time, and in the time it will take to go through these steps to obtain a free credit freeze, damage may already have been done which will affect future transactions and add to the cost of those for any impacted consumer. 

Their entire business model is holding consumers accountable for their financial decisions. Equifax should be held accountable for their security decisions.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On the XXXX of XX/XX/2022 at around XXXXXXXX XXXX XXXX XXXX, I got to the ATM with ID XXXX at the city of XXXX, Florida, to deposit money. 
I deposited the sum of {$4600.00} dollars and the ATM took it whole and released back out only {$700.00} XXXX dollars. I thought the ATM was taking time to process the money deposit, but it was not like that. When I saw the screen, it showed a message of error, and I couldnt do nothing to take back my {$3900.00} dollars. 
I started to get really frustrated and did not know what to do. I decided to try and deposit {$100.00} dollars to see if the ATM will do it correctly and it did. You can verify this on my bank statement. After I deposit the {$100.00} dollars, I began calling every Bank of America number I could, but no one would answer, until I got a number from the app that indicated was the claim number, and I was able to file a claim of what happened that night. 

Basically the ATM took the money and didn't deposit it to my account. 

The bank answered my claim and told me they couldn't pay the money, because there was no evidence that supported my claim. So i send a fax XXXX a number they gave for them to re open my case and return me my money, but again they told me they couldn't pay because of no evidence. 

So I decided to start a complaint with the cfpb, because i need bank of america to erase a debt i dont owe.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (NY)

I sent a cease and desist letter to Online Information Services, for a tradeline that they placed on my consumer report. This debt collector has failed to comply with the provisions of this subchapter 15 USC 1692. 
Please find the letter and information that was sent to them. This letter has been received by Online Information Services today, XX/XX/2022 2022
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Systems,Inc. (GA)

Step 1 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX. Company Responded XX/XX/XXXX not being able to validate debt or records and proceed not to remove the reporting collection off my credit. 

Step 2 : Sent off letter 2 dispute letter. National Credit Systems responds in 30 days :. Letter was sent off and delivered certified mail XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. No response. 

Step 3 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Company Responded XXXX XXXX still not being able to validate debt or records and proceed not to remove the reporting collection off my credit.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my six 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 Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

XXXX A company I never heard of is reporting that I owe a debt onXX/XX/XXXX. I believe it to be a fraudulent account and I would like it removed from my credit report please. 

On XX/XX/2022 i tried to dispute the account. Without reason it was not removed. 

I have upload a screenshot of the account on my credit report.
Consumer complaint received 2022-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

On XX/XX/2021, second mortgage was modified by Planet Home Lending. 
Unpaid principal balance on this mortgage was {$250000.00}. Accrued interest was {$100000.00}. The accrued interest of {$100000.00} was capitalized and added to the unpaid principal balance of {$250000.00} for a total amount of {$350000.00}. 
On XX/XX/2021, the total outstanding balance of {$350000.00} owed to planet home lending was paid Per the ALTA settlement statement by XXXX XXXX XXXX. Document attached. 
In XXXX of 2021, Planet Home Lending issued us a 1098 statement showing outstanding mortgage balance of {$260000.00} and mortgage interest paid in 2021 of {$29000.00}. The 1098 was incorrect. Capitalized mortgage paid off or refinanced should be reported by planet home lending as income and should be reported on my 1098 as interest in the year paid off. 
I called Planet home lending to request a corrected 1098 and was told they will not correct this, and that they were justified in the way it was reported. I explained that my tax preparer wanted this corrected to reflect the correct amount of interest that included the capitalized interest on the mortgage paid off. 
Planet home lending refused to correct this after several repeated calls. Sometime during these calls, I am placed on unusual lengthy hold by staff of planet home lending, sometime 45 minutes and at the end not resolution.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Citi Bank received multiple request to revoke authorization for XXXX XXXX. They continued to allow XXXX XXXX to hit my account. While no funds where paid out to XXXX XXXX they continued to charge me overdraft fees causing my account to go negative. I do not use this account and could not close it as it was opened as a minor with my father who is now in XXXX. After being negative they closed my account. I just noticed it as I went to see if my stimulus check was deposited into this account and could not access it. They took my money continued to charge me fees when the the authorization was revoked and when I called customer service could not help because the account was closed.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (OH)

This is a complaint filed in reference to the security breach through Equifax. I am a XXXX XXXX, and am now having to arrange for a Fraud Alert and other issues related to this while abroad. 

Equifax has put a lot of people 's futures, including mine, in danger. Not providing citizens with appropriate information AS SOON AS they knew of a breach, and protecting these citizens FIRST WITH OUT QUESTION, should have been the first course of action they took. Instead they expect people to investigate their options on their own, and ask them to waive their rights to a class action suit, if they use the free protection they are supposedly providing. They are preventing anyone from holding them accountable for their irresponsible actions, by requesting that the very people they compromised give up rights to holding them accountable in one of the only ways that they can. It 's abuse of power they no longer deserve.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I recently contacted Navient and requested information about how the principle and interest are being applied. After receiving and reviewing payment information ( for the last 24 months ) it appears the principle and interest applied over the last couple of years is bogus? In some months no principle was applied and just interest paid to them? In other months an average of {$30.00} was applied in principle. Navient still alleges the loan is still a 20 year loan? How can this be? This is truly unacceptable, as principle should always be applied with every payment? Also they are alleging that the federal government is setting these rules on the way payments should be set up. In addition their payment plans have become outrageous! They are now telling me my payments will increase {$700.00} in the next year or so, when I was originally told ( by another customer service rep two years ago ) my payments were already set at {$430.00} for the life of the loan? CFPB please help!
Consumer complaint received 2022-12-17
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. (MN)

The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. Wich have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NV)

Hunter warfield is attempting to collect a debt for a company I do not have a contract with and did not provide validation information with the company international realty listed as the creditor. after several attempt to get documented evidence confirming debt owed to international realty proceeded to report to credit agency falsely.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution, as well as protection from future attempts to steal my identity or lines of fraudulent credit in my name.
Consumer complaint received 2022-12-17
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. (MN)

The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. XXXX have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M LOOKING FOR SOME ASSISTANCE WITH DEALING WITH A COUPLE OF FRAUDULENT ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT. THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE I WAS HOPING TO GET THEM REMOVED FROM MY REPORT AS SOON AS POSSIBLE BECAUSE IT'S CAUSING ME STRESS AND KEEPING ME FROM BEING ABLE TO BUY A NEW HOME.
Consumer complaint received 2022-05-05
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. (UT)

This is showing as delinquent when it shouldn't be showing as such. Please see attached. I have a letter from XXXX showing that this was an error on their end and this should be corrected. Letter attached. The tradeline reports no lates in 24 months so the 90 day late should be removed
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MN)

Equifax was hacked. According to their page for checking, my data " may '' have been impacted, along with 143 million other Americans. This is ABSOLUTELY unacceptable for any company holding onto this sensitive of data, for this many consumers.
Consumer complaint received 2022-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-15
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 (MA)

I opened a secured Mastercard credit card with Capital One. My credit limit is {$650.00}. 
The purpose of getting a secured card was to help rebuild my credit and have more control over spending. 
On XX/XX/2022 my secured card balance available was {$360.00}. I rented a vehicle the same day and was charged {$350.00}. 

On XX/XX/2022 XXXXXXXX XXXX XXXX attempted to charge my credit card {$150.00} however there was no available credit so it was declined. 

On XX/XX/2022 my available credit was {$17.00} - XXXXXXXX XXXX XXXX  was declined again. 

On XX/XX/2022 - Capital one allowed a charge of {$540.00} from XXXX XXXXXXXX XXXX  even though there was no available credit on the card. 
Now I have a balance of {$1000.00} which Capital One deliberately allowed to go over the credit limit. 

The card user agreement specifically states transactions over your secured credit limit will be declined. 

Capital One is now refusing to remove the {$540.00} charge from the credit card account. 

I need help fighting this. Capital One is totally wrong!
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (IL)

My credit information was compromised by Equifax they confirmed this through their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This was made public yesterday XX/XX/2017
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Brief summary. An old capital one Capital one account from XXXX, balance was incorrect and when I disputed it and it reappeared on my credit report as a debt as of date of dispute XXXX. I Received a letter from my courthouse stating that capital one wanted to to sue me, I receiver nothing from the company capital one themselves. I was thrown off and confused by the whole ordeal, I actually thought it was some sort of scam until I contacted the court house by phone. I have not heard anything since from either the court or capital one. I would like this removed from my report for inaccuracy. Be careful when choosing Capital One, they will scam you by repost old debt that was paid off!
Consumer complaint received 2017-09-08
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: Navient Solutions, LLC. (MD)

All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.