davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one have been reporting a card that was not open by me on my report I have removed them all off all other reports except transunion they removed once an than put it back XX/XX/XXXX Completed CAPITAL ONE Reported on XX/XX/XXXX {$1900.00} 79 % of Credit Limit* Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
The creditor agreed to remove this account from my file. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 

Mail : XXXX XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-07-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc. (AL)

Per XXXX LAWS you must notify me of the auction and time to retain it - XXXX HAS A 10 day law- I never received and since you didnt include I assume you never sent. you included everything besides that Id also like copies of all letters not a text you typed up.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX. Citi Bank closed all my credit card accounts without specific reasons on XX/XX/XXXX, which caused damage to my credit score and loss of money. I filed the small claim court in New York Civil Court against Citi Bank on XX/XX/XXXX. The court ruled in my favor. I forwarded the Notice of Judgement to the Citi Bank Executivte Reposne unit at XXXX on XX/XX/XXXX, without any response. According to the court judgment, Please send me the check for payment of {$9900.00} to my address at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. I have attached the notice of judgment to this complaint as well. According to the court judgment, please also repair my damaged credit score by removing " closed by the bank '' and replaced by " closed by customer '' for all my closed CITI bank credit cards on the three credit bureaus for my account. Thank you!
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I had winnings from XXXX XXXX deposited into my Chime checking acct. I was waiting for the funds to deposit overnight. When I tried to log into the account it was closed. I called on XX/XX/XXXX and was told I was not in compliance with my user agreement. I asked for an explanation for how I wasnt in compliance and was told that is all XXXX Bank listed as the reason. I asked to speak with someone at XXXX bank and was told there is no one to speak with and they refused to give me the number. I was told the check would be distributed in 30 days. I explained that I wouldnt be at the old address because I was relocating to XXXX and I gave them my new address. Ive emailed a copy of my lease with the address listed along with my drivers license. Ive spoken with more than XXXX people who Ive changed my address with and confirmed they have the address information. I have been told the check was on the way, that I had to wait for the information to be updated, then told that I was not eligible to receive the closure check. Ive emailed at least 5 people and Ive been told that the check was mailed on XX/XX/XXXX which I never received so they asked me to give the address that I need to have the check mailed to, again. Ive provided the address via email then they told me I had to call in to change the address. I called and they as transferred 3 times as each rep puts me on hold for 2-3 mins to research the account. Ive taken 2 ticket numbers XXXX and XXXX. I have emails I can provide and they say the conversations have been recorded.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( I never gave XXXX XXXX XXXX permission to furnish any installment accounts on my consumer report. )
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (PA)

Bureau of Consumer Financial Protection, ( b ) Act means the Equal Credit Opportunity Act ( Title VII of the Consumer Credit Protection Act )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am an Identity theft victim stated on my credit reports. My credit was stolen from several breaches. I am in lawsuits with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX data breach. I have been disputing my credit reports for three years now. I am trying to rebuild my credit from the {$18000.00}. GOVERNMENT COVID-19 benefits stolen from me ( UC.PA.GOV told me my Pandemic benefits stolen and did nothing ). I used my savings of $ XXXXduring Pandemic to survive. I XXXX XXXX XXXXXXXX XXXX XXXX keep getting denied credit. My credit reports are inaccurate & I am still disputing them. I need my rights to have credit like all Americans.
Consumer complaint received 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

15 USC 1681 section 603 A. states a consumer reporting angecy can not furnish a account without my written instructions.
Consumer complaint received 2021-06-03
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. (WV)

Date of delinquency are incorrect with student loans so once I filed a dispute with Credit reporting agency Equifax, to please remove the account that have been closed, they stated the accounts wasn't closed that they report late payment not receive dropping credit score 126 points, I asked if the account was already passed due 10+ years ago and affected my score then, how can it continue to affect my score report as if its new late account..
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX  Inquiries are -- -- - XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Inquiries are -- -- - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (TX)

I tried moving funds XXXX XXXX XXXX XXXX from my Goldman Sachs Marcus XXXX to my XXXX XXXX XXXX and I received an email notification from XXXX XXXX or XXXX days later saying that they could not complete my transaction because my bank account was frozen. I checked with Goldman Sachs by calling, spoke with XXXX different people, and they all refused to tell me the reason due to " security reasons ''. The most that they would tell me is that it was likely due to either incorrect account informationXXXX XXXX activity, or XXXX more reason that I do not remember. I do not think any apply to me and have been using the account for a year with no problems. They said they will either send the money to a linked external account or send me a check, but they did not give me a time to expect it. Now I can not access my funds for some undetermined amount of time and haven't been able to for the last week since I originally tried making the transfer to XXXX. They said that they have the right to close my account at any time for any reason, which I understand since it was in the agreement that I signed upon opening the account, but they are not being forthcoming with information and didn't even send me any notification that this was going on ; I only found out because XXXX told me that my bank account was locked, which led me to call Goldman Sachs. 

If I try to move the funds in the app directly, then it gives me a vague error instructing me contact them.
Consumer complaint received 2022-07-23
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} -DEPT OF EDXXXX XXXX Balance : {$18000.00} -DEPT OF EDXXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXX Balance : {$7700.00} -DEPT OF EDXXXX XXXX Balance : {$5400.00} -DEPT OF EDXXXX XXXX Balance : {$4200.00} -DEPT OF EDXXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX  XXXX Balance : {$1900.00} -DEPT OF EDXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} -XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NV)

I notice that this company AMSHER COLLECTION SE put A collection on my credit report and I have never heard of them. I only have XXXX negative on my credit report and I have No inquiries on my report. So I don't even know how they got my information. I have not applied for anything in the last XXXX years.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

So I believe it's Equifax that has that on there you said another trying to work through the issue or whatever but the thing is it's like there's really no trying to work through the issue when that's the like law or like rule you know it's like law is supposed to be like taking to the word not to like interpretation so that needs to be removed then
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One Inquiry from XX/XX/2018 - Auto Financing Capital One Inquiry from XX/XX/2018 i never had inquiry from capital one for auto I am using capital one for while but not auto never
Consumer complaint received 2018-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XXXX / /XXXX , Transunion , XXXX , asking XXXX to produce documents XXXX / /XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX //XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX /XXXX, Transunion, XXXX , asking XXXX to produce documents E-mails and phone calls made to XXXX from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave XXXX two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I applied a auto loan through XXXX XXXX dealership and the dealership told me they were going to run my credit through XXXX XXXX only. The dealership sent my information to other financial companies without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (VA)

Contacted XXXX XXXX XXXX on XX/XX/2021 advising of a debit that was placed on my credit file that did not belong to me. I asked both credit bureaus to verify the information because I have no knowledge of XXXX XXXX XXXX XXXX. I have also disputed this information a couple times and the information could not be verified by none of the credit bureaus. 

On XX/XX/2021 I received a letter from XXXX stating that the debit could not verified and it has been removed from my credit profile. XXXX has sent me the attachment stating that the information was verified and it would not be removed from my credit report. I spoke with XXXX on XX/XX/2021 which he stated that debit recovery solution was contacted and said it was my debit. I then asked XXXX did he receive anything with my name on it that I have signed for there service and he advised no.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

5 years ago, we executed a loan modification and were up to date on payments until XX/XX/XXXX when my spouse lost income due to Covid. At that time we asked for, and received a forbearance. The servicer website indicated 3 options after forbearance : 1-Loan Modification, 2-Reinstate, 3-Refinance Our forbearance period ends XX/XX/XXXX. On XX/XX/XXXX, we requested to come out of forbearance and modify the loan. We are able to make the mortgage payment, {$2500.00}. on XX/XX/XXXX. 

The servicer, Mr. Cooper, communicated the loan owner, XXXX XXXX  XXXX XXXX XXXX XXXX, declined the loan modification for the reason that the loan was already on a loan modification. 

Per a letter from Mr. Cooper dated XX/XX/XXXX, the only options approved was a Short Sale, or Deed In Lieu. 

Complaint 1 : the servicer, Mr. Cooper, NEVER indicated that we could not do another loan modification at any point in forbearance. 

Complaint 2 : the loan owner, XXXX XXXX  XXXX XXXX XXXX XXXX, is unwilling to modify the loan. 

We have lived in this home for 20 years and want to keep our home.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted Transunion, XXXX, and XXXX to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

XXXX- Informative XX/XX/XXXX XXXX XXXX XX/XX/XXXX Informative XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- 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 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; US DEPT EDXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX BalanceOwed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XXXX Owed : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-09
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 (PA)

Ive filed a complaint with Capital One for my checking account on an on going depute with The XXXX XXXX for a transaction that happened on XX/XX/2023 for XXXX. I reached out to XXXX XXXXXXXX XXXX several times before filing a complaint and dispute with Capital 360 bank after I paid XXXX To have flooring delivered to my house my XXXX XXXXXXXX XXXX because XXXX XXXX XXXX XXXX  cant do it my self. Ive provided capital one 360 all kinds of information a ver detailed stand even my XXXX  information etc. and they are still rolling in favor because the back office of Capital one states that I used my pin for the transaction. Well yes I did use my pin for it because I had to by the product first then have it delivered to my house mby XXXX XXXX and that never happened and now I feel XXXX XXXXXXXX XXXX along with Capital one is discriminating against me because of my disabilitys  and Im getting ripped off my Capital one for XXXX.