davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I called Capital One to update my telephone number on my account on XX/XX/2020. They asked for initial information to verify that I am the card holder. After confirming that information they asked for my new phone number. I was asked to hold while my new phone number was entered in order to send a 6 digit pin code. The representative said that the pin code didn't go through. He then stated that he could call my new number for verification. I was then told the call did not go through and at that point I will receive a link to my phone in order for me to send a photo of my driver license or social security card. I immediately expressed I was uncomfortable with sending my personal and private information. I was transferred to a few different representatives. I spoke with XXXX to whom I asked if I could go online to update my information instead. She said I could and I asked if she could walk me through the website to do so. She told me to login with my username and password. I was already logged in to my online account and asked where do I go to update the number. I was told to proceed to " settings ''. While looking for " settings '' to update my phone number I asked XXXX where should I look for it. She wasn't clear with her instructions so I said that I would attempt to figure it out myself. She didn't respond. I restated that I would attempt to update my number on my own. At that point the page refreshed and went back to the login screen. XXXX blurted out that my account was then locked and I need to provide a photo of my license. I asked why have I been locked out. She stated that it was locked due to fraudulent activity and that I need to send a photo of the " back '' of my driver 's license. I hung up the call and proceeded to re-login and was met with a screen asking to make a selection to receive a text or call for verification and my " old '' telephone number was listed for those options. I also spoke with supv. XXXX who offered no other resolution. While speaking with multiple reps I've asked how else can I verify that I am the card holder to update my phone number. I was asked for my DOB, entire credit card number, my address, and last 4 of my social and I provided all of that requested information. After speaking with multiple reps I received an email prompting me to click a link to send documentation but the email doesn't specify or list acceptable documents. 
Additionally, now I can't make a payment over the phone by using my normal method of proving my debit card over the phone and now I have been asked to provide my routing number and checking account number by phone. I've been told by Capital One reps that unless I send a photo of the front and back of my driver license my account will remain locked. I have not received any notification of the status of my account.There are too many scamming incidents nowadays and this appears to be another tactic.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

OCWEN Mortgage company is refusing to address an over-charge for wrongly calculated escrow of taxes and insurance. We have NEVER missed a payment but they are applying our payments to some sort of holding account and not giving us credit for prompt payment. Please help us obtain the address of their registered agent in New Jersey, so we can file a small-claims lawsuit and get this resolved. The problem has been festering for 6 long months. Thank you!
Consumer complaint received 2020-02-12
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. (NY)

I've been paying my child support obligation via pay roll deduction since XXXX as per court order. On XX/XX/XXXX the child turned XXXX years of age and was emancipated by the courts and the child support payments was terminated. i obtained 3 letters as evidence one from the courts. one from social services and one from the child support stating that the account is closed with a XXXX  balance obligation. This account is being reported as COLLECTION in XXXX XXXX i sent the credit bureau the 3 letters as proof that my child support was not a debt it was an obligation that was fulfilled with a XXXX balance when the child turn XXXX  years. please help
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (TX)

I have disputed this account multiple times with all 3 Credit Bureaus This account was opened on XX/XX/XXXX and Requested to be closed and paid in full XX/XX/XXXX since then the credited has been charging me late fees every month. 
I spoke to XXXX on XX/XX/XXXX he states a late fee was put on the account in the amount of XXXX on XX/XX/XXXX on XX/XX/XXXX I paid XXXX and requested the account be paid in full because that was not the first month they tried charging me a late fee charge. On XX/XX/XXXX there was a credit of XXXX to the account that was to show paid in full per the lady on the phone. The computer system reviewed the credit that was given to me and took the credit back that was given to me. Now over the last year I have been charge nothing but late fees every month on a account requested to be paid in full. This is the only account that shows I have a XXXX, XXXX and 90 days late and the account is closed. I have requested a Itemized Bill numerous times by the company who refuses to provide me with it because there are no charges just late charges they continue to charge me even though the account was requested to be closed and paid in full that day. It shows on XXXX XXXX that it is a charge off account which is not accurate and that I owe XXXX which I don't because this account was paid in full when requested to be closed that day on the phone. I am tired of asking this company to be honest and do the right thing this is fraud and affecting my credit that I have worked hard on as a single mother. I am a finance manager who pays my bills and this is a poor excuse of a company scamming people
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MS SERVICES LLC (CA)

MS SERVICES ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.
Consumer complaint received 2021-09-25
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. (IA)

Hello my name is XXXX XXXX and XXXX filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint with Experian on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Experian permission to report anything on me? Im furious and need answers now!
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was online and I applied for a XXXX  XXXX credit card and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX XXXX {$350.00}
Consumer complaint received 2020-02-12
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: Volunteer Mortgage Loan Servicing (TN)

I submitted a dispute on XX/XX/XXXX with XXXX  a my mortgage company Volunteer Mortgage Loan Servicing located in XXXX, TN is incorrectly reporting on my credit. They are reporting that I have not paid since XX/XX/XXXX, that I have missed XX/XX/XXXX and XX/XX/XXXX payments as well as me having a past due balance of {$2600.00} and it shows my mortgage balance increased {$980.00} ( which is incorrect ), so the balance on my mortgage is wrong. All of this information is incorrect. My account is current, I have no past due balance, I paid for XX/XX/XXXX and XX/XX/XXXX, my mortgage balance did not increase and instead decreased, my mortgage balance is {$180000.00} NOT {$180000.00}. Again, I submitted this dispute with XXXX  on XX/XX/XXXX and received notification on XX/XX/XXXX that it had been completed but still with the wrong information. XXXX  did a poor job in getting the correct information updated. I then called my mortgage company and spoke with someone and they said they were able to see that my account was current but they were unsure why it's reporting wrong but could not resolve the issue. They simply asked me to send an email and this has caused my credit score to drop several times. The lady with the mortgage company said they may not have checked my account but why would they report to the credit bureau with incorrect information, without truly checking my account. I'm attaching the dispute section from XXXX   showing no changes made and the incorrect information. I'm also attaching a screenshot of my mortgage account online to show my current balance with no past due amount and when the last payment was received.
Consumer complaint received 2020-02-12
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)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Also, these accounts have been transferred. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

This is a complaint about Experian. 

This is absolutely a terrible experience for managing a security freeze with Experian. I froze it a few years ago, and now they are unable to verify my identity online, and require me to send physical documents in the mail to a PO box address. Not only is this a long lead time, but this also blocks me from moving quickly on obtaining a mortgage. Especially when compared to the other bureaus ( XXXX, XXXX )  who have both moved to a fully-online account-based model for security freezes, Experian 's experience is incredibly NOT user-friendly, and this makes me concerned that they hold so much of my personal information.
Consumer complaint received 2018-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPal is apparently trying to maximize their revenue by routing transactions to their preferred method of funding, despite my specific instructions to the contrary. I asked for two transactions to be placed on my credit card, but they funded via PayPal balance + my debit card. 

Additionally, they have created a complicated web of customer service interactions that ensures they do not respond to my complaint, but instead, send me repeated unrelated form emails.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXXXX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed untilXX/XX/XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor inXX/XX/XXXXto work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TN)

I have tried to reach FedLoan about the transfer of my loan from XXXX XXXX and the implementation of my Public Service Loan Forgiveness Program for three weeks. I have sent three emails ( XX/XX/2020, and two on XX/XX/2020 ) and made three phone calls on XX/XX/2020, two of which were automatically disconnected after long waits on hold. On the third call I left a callback number and was never called back ( after a more than 24 hour wait ).

There does not appear to be a way to contact FedLoan at this point, by phone or email. I am VERY concerned about this, as I do not know the status of my account, and it appears to be incomplete according to my online account information. They are also about to debit my first payment ( of many ) and I have no way of reaching them.
Consumer complaint received 2020-02-12
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. (AR)

I was online and I applied for a XXXX  XXXX XXXX XXXX and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX  XXXX {$350.00}
Consumer complaint received 2019-10-08
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: Direct Recovery Services, LLC (FL)

I received a call from this business this evening from a Georgia number. I am assuming that this number is spoofed since they asked me to callback a completely different number. I was at work so I did not immediately answer. I later received a call from my mother who explained to me that they left a voicemail with an account number while informing her that this was a debt collection call. They left the same exact recording that I received which included an account number and the fact that this was a debt collection call. 
I called the phone number on the voicemail and spoke to a representative that was very rude and unapologetic. She said that she has just received my account but when I asked why they had called my mother they said that they had been trying to call me for a year. My complaint is that they not only are using harassing methods of contact, they are not giving me any opportunity to call back without first calling my family. As the operator said, they " just got my account '' so there was no reason to contact other phone numbers. Additionally, they are illegally leaving account information on my family 's voicemails. The company also threatened that the will no longer use " voluntary '' means of communication. I am not sure what that means but it is also illegal. Finally, when I advised that they no longer had permission to contact my family, the representative ( Mrs. XXXX ) advised that they have every right to continue contact with my family. Since they have already reached me, this is incorrect and illegal. Since the debt collector continued to talk over me I disconnected the phone call. 

I am attaching the voicemail that was left on my and my mother 's voicemail.
Consumer complaint received 2020-02-12
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. (AR)

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX  XXXX {$11000.00} XXXX XXXX XXXX {$21000.00} XXXX   XXXX XXXX  XXXX {$7300.00} XXXX XXXX XXXX {$12000.00} XXXX/XXXX XXXX {$4000.00}
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX  XXXX {$11000.00} XXXX XXXX  XXXX {$21000.00} XXXX  XXXX XXXX  XXXX {$7300.00} XXXX XXXX  XXXX {$12000.00} XXXX/XXXX  XXXX {$4000.00}
Consumer complaint received 2022-12-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX  XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (TX)

I have an account reporting to my credit from PNC bank for XXXX. I do not have an account with this bank. I called PNC on XX/XX/2024 to tell them to remove the account from my credit report as it does not belong to me I have not given anyone permission to use my information. The agent checked the system with my name, SS, Dob, Address and said that I do not have an account with their company. They are reporting this to my credit every month. They told me they couldn't do anything about it. This is causing harm to my credit report.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I reached to Equifax for them to update and remove some old accounts, medical information from my credit report and they sent me a verification form to send back my personal information to them each time Im trying to dispute credit information. Nothing is disputed. This has been happening for a year.