davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am sole user of this account I've had since XXXX and never late. 
I haven't used it in months until I made a {$58.00} in purchase in XXXX and I paid the balance in full on due date XX/XX/XXXX, posted XX/XX/XXXX, added late fees until I discovered it on XX/XX/XXXX. 
Reviewed old unused email acct, a lot of promos & one dated XX/XX/XXXX " should we text you '' Paid and I disputed, yet they reported it late on XX/XX/XXXX and show only the month of XXXX as late. 
Tried calling them, waited 30 minutes on hold until I was cut off Currently unchanged, Today I filled a dispute with the 3 credit reporting agencies. 
Both mine and my wife 's credit score went down XXXX points, I have no idea how it could affect her score, when I applied I got her a card to use but it was never activated. 
We are looking for a new home and we need this resolved soon so we can apply for a mortgage. 
Thank you for your help
Consumer complaint received 2019-08-06
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. (NY)

Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$440.00} 3 ) XXXX  XXXX XXXX opened XX/XX/XXXX amount {$420.00} 4 ) XXXX  XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 )  DEPT OF ED/ XXXX opened XX/XX/XXXX amount XXXX
Consumer complaint received 2019-08-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (CA)

To Whom It May Concern : I went on loan with my son so he could buy a car from Carmax. 
When he could not pay the car on time I would pay for him on time. This XX/XX/XXXX my son traded the car in on a new one. The new car lot called got pay off amount and told Carmax what was going on. No one called me or mailed me or emailed me of any problem. 
Car was payed off in XX/XX/2019 and now show on my credit report that payment Status 30-59 Days Late. 
Car was payed off in full and Carmax was informed that my son got new car and they would be payed in full. They should not hit me for late payment on last payoff when they know what is going on. Payment Status needs to be fixed on my report to no days late. 
Thank You!
Consumer complaint received 2021-08-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I found out I was a victim of identity theft back in 2012, because I was going to rent an apartment for the first time, the apartment complex told me that I needed to pay more because I left an apartment in Texas. I did my research and the person who stole my identity was a friend who I used to have. He has been traveling from state to state. He also got some info from my wife. I tried to fix this with the social security department but they told me everything was gon na be ok and no farther changes needed to be done. I still went ahead and filed a police report back in 2012. Back then the issue was only the apartment, later on He got the cap one auto loan under my name and my wifes. I have been trying to fix this issue since I found out about it, but the company not willing to work with me, they only want the money and they dont care what my situation is.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XX/XX/XXXX I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. At the time my mortgage company was XXXX XXXX which bout XXXX XXXX and assumed the XXXX XXXX name ) the previous owners were XXXX and XXXX XXXX and there mortgage company was XXXX XXXX Bank ( which was bought by Bank of America in XXXX ) and they didn't discharge the mortgage with the Town of XXXX, VT. I'm currently in the middle of trying to sell my house and the buyers title search company discovered the error. Initially I was told the when Bank of America acquired XXXX XXXX that part of the accounts were acquired by XXXX XXXX which wasn't true. I'm currently out almost {$10000.00} dollars trying to correct this error. I need some assistance in getting Bank of America to discharge this mortgage so I can continue with the closing. I currently live in XXXX Texas and trying to support two house holds.
Consumer complaint received 2023-03-08
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-03-25
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

back in XX/XX/XXXX I request to close my secured card, and they kept all of the security deposit XXXX to bring the card to Zero balance and they reported it as closed by consumer request. 3 months later they start reporting every month that i was late? they put XXXX late payments on me and changed it to charge off? saying i owed a pental fee? they never told me about and ruined my credit Capital one. then they set it that i could not call regular customer service i had to speak with the ceo administrator and she talked to me like i was less than a person saying i owed an additional XXXX for closing the account. they never told me that. so now i have XXXX missed payments so they say and it says charge off. please correct it because i had not missed any payments in years XXXX payment in XX/XX/XXXX please correct and give them a penalty for being dishonest.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

It has been almost 5 months since we first applied for a refinance mortgage loan with Bank of America. During the approximate past two months, Bank of America has mailed to us many new loan applications on another loan # XXXX, which we did NOT apply for. We have sent Bank of America six certified letters addressing this problem, but we have heard nothing from Bank of America. We have contacted by phone our loan officer who is XXXX XXXX XXXX, but she says that she is no longer our loan officer, and she can not help us with anything now. We have sent supervisor XXXX XXXX emails on these problems, but she refuses to reply and help. We signed our original loan # XXXX paperwork/documents on XXXX and mailed these by certified mail to Bank of America . In several of our certified letters, we asked for a copy of these loan documents, that we signed and mailed back to Bank of America, to be mailed to us, but Bank of America has refused to do this. Bank of America, with all of these new and different loan estimates/applications that they have mailed to us, are now trying to get us to pay about twice as much on the closing costs, compared to what we signed on XXXX. Bank of America refuses to reach out to us by phone and email now. They initiated a second title company which has caused us problems. They also refuse to send to us by mail, any notifications of outstanding document requirements on this original loan. Two other complaints ( XXXX and XXXX ) were filed on XXXX and XXXX with your agency on this matter. We have not heard anything from Bank of America on these two complaints.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I applied for a mortgage with Fifth third Bank and qualified for a FHA loan XX/XX/2022. The loan went to underwriting on XX/XX/2022 from there on challenged what my last name was even after I presented everything thing they request ; driver license, social security card, tax returns, paternity letter, birth certificate, check stubs. This went on for three months when my closing date was set for the end of XX/XX/2022. Even after my identity was cleared up FHA continued to ask for letters to explain who my wife is and if we were married, inquires on my credit report, my past residence, among other letters that I provided to them repeatedly up until the seller cancelled our contract on XX/XX/2022. I feel discriminated against because even though it all each time I tried to contact fifth third bank via phone I could never get a response.
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc. (VA)

I did receive medical care but I had XXXX because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by XXXX as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in 2015. It is their employees fault and I am not responsible for this debt! I had no income due to high risk XXXX, I had my daughter XXXX weeks early and we both almost died. 

This is in collections, the only collection I have. 
Collection Agency : HEALTHCARE RECEIVABLES GROUP. 
Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}
Consumer complaint received 2021-04-19
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. (CA)

I Sent in a Dispute Letter to Equifax. However, I still haven't received a Response from my Initial Dispute. 

They've Received my Response on " XX/XX/2021 '' I've sent in Notifications, that has been CERTIFIED and TRACKED. EQUIFAX has TAKEN WELL OVER THIRTY ( 30 ) DAYS TO INVESTIGATE MY DISPUTE. 

EQUIFAX ARE IN CLEAR VIOLATION HERE. 

Please have them REMOVE THESE ACCOUNTS NOW, As it's in CLEAR DIRECT VIOLATION OF MY CREDIT CONSUMER LAWS & RIGHTS. 

I WILL TAKE LEGAL ACTION ....
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

I have been a loyal Best Buy consumer since XXXX ; In late XXXX I applied for Best Buy credit card. I was offered {$1000.00} credit limit ; and I made very few purchases, and was mindful of credit limit. I've called on 2-3 times in XXXX ; and again in XX/XX/XXXX and again on XX/XX/XXXX ; and spoke with customer service Rep. XXXX and supervisor who identified himself as XXXX. Both agents for Best Buy admitted on a recorded line they realize I was not receiving *invoices for payments due, additionally Best Buy some how had an incomplete mailing address to me/consumer. I immediately requested a review of the account, Best Buy said they corrected their records. However, upon further review I noticed my Credit Card limit reduced from {$1000.00} to {$430.00} ; I am not getting a clear answer why my credit report has been ran, when I did not authorize for anyone to run my credit reports. I do not think it is fair my credit card limit was decreased, especially if I did not receive notice by mail nor email. And Best Buy has not factor in Covid Pandemic and USPS delays etc. This is poor customer service ; Best Buy is showing me they do not value loyal consumers nor their credit card members. Furthermore Best Buy has failed to inform me of any changes to conditions and terms ; if this is their new business practice.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: OneMain Finance Corporation (CA)

One Main XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX XXXX has made out a loan to me that seems to be fraudulent. I was not able to qualify for loan, but was made to use two vehicles as some kind of security. I now dont see them on my credit report and feel like I have been tricked into something very very wrong.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied for a primary home loan to refinance for a better rate with Navy Federal. I was initially told when l filled out the application lowest rate would be 2.75 and the highest rate would be 3.00 %. I went through all the paperwork and applied for a 30 year as my primary residence. I was asked the same questions twice. I waited a long time and then was told by the second person to manage my loan that the underwriters wanted to write a loan as an investment property. I told the loan officer l have lived at that property for over 15 years. I have a small mother in law apartment that l rent out on the property. It is not an investment property! It is a place of quail and hawk, stag and fox! I told the woman l did not apply for a 15 year investment property loan. I wanted a 30 year mortgage. The exact same mortgage as l currently have with XXXX XXXX! I just received word they would not write the 30 year! I have probably 7 times the income required and credit ratings well over the XXXX mark! It is outrageous and egregious to be turned down with such high income and excellent credit. The process was not smooth! It dragged out and even though ANYONE WILL FINANCE ME, I DO NOT THINK IT FAIR TO HAVE ANOTHER HARD INQUIRY ON MY CREDIT! I only ask for people with some intellectual capabilities to respond and not tell me to " reapply ''!
Consumer complaint received 2022-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2021, I made a purchase with Ashley Furniture. At this time, they charged my XXXX  XXXX account {$350.00} and the remaining balance to my synchrony credit card. When the furniture went to be delivered, they didn't have the correct pieces and the transaction was cancelled due to non-delivery of goods. After the cancellation was completed, Ashley furniture still charged my XXXX  XXXX credit card and only offered a refund of XXXX instead of the {$350.00} I had originally paid. I then filed a dispute with XXXX  XXXX and had my money returned ; however, Ashley furniture now charged my other credit card for the XXXX that were disputed ( XXXX downpayment - $ XXXX {$230.00} ). I have been fighting this with both, the store and the creditor for almost a year and have exhausted all avenues. I am being charged {$230.00} for goods that were not received and have had to fight exhaustively to make it right with no avail.
Consumer complaint received 2022-07-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been paying on a charged off mortgage debt for several years now with Bank of America Recovery Division. My complaint is that I never receive a statement of my payments and my balance at all - never in all of the years that I have paid them have they sent me a statement. After sending BOA XXXX per week through my bank 's bill pay service, when I called to check my balance with BOA ( XXXX ), they can't account for around XXXX in payments that were transferred by my bank and cleared for payment. When I called my bank, XXXX XXXX XXXX XXXX, I was told that the payments had cleared and the checks had been cashed by BOA, yet when I call BOA to ask about payments that had been made and cleared by my bank, they can't give me any information as to what happened to these payments. 
They can't give me a check number for the payments ( these payments are sent by my bank, XXXX XXXX XXXX XXXX via check/draft ) or really any information, except that they weren't applied to my account. 
It seems unlawful to me that I have to pay on a debt for several years and not receive any type of accounting, statement, or a formal accounting of my money. 
Can you help?