davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Cap one bank na
XX/XX/2021
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

XXXX XXXX
XX/XX/2021 INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION 


XXXX
XX/XX/2021
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION
Consumer complaint received 2021-04-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc. (FL)

In XXXX I noticed that a large portion of my paycheck had been garnished. I had to reach out to my employers pay roll department to even find out what the debt was and why I was being garnished. I found out ACT the company that is garnishing me ( in the middle of a pandemic and my hours have been significantly reduced ) was collecting a debt for the Florida Department of Education student loan. I was under the impression that this debt was in forbearance and I never received in correspondence that my debt was being sold to a collections agency. The only way I knew anything about the loan being in default was when my paycheck was garnished. I did not receive any phone calls written correspondence nothing. When I called ACT and explained that the garnishment was financially devastating me they gave me only one option I could set up an additional 5 month installment plan of {$5.00} dollars while the garnishment of roughly {$1000.00} per month is still being deducted. I mentioned the freeze on student loan collections and garnishments I was told by a representative with ACT that they were free to collect the debt since the student loan collection freeze had lapsed. So after the President signed the new economic impact bill mid-XXXX  I called back to see if the garnishment could be stopped I was told to contact my original creditor The Florida Department of Education, the representative with the Florida Department of Education advised me I should never have been garnished in the first place. I called ACT back they advised that they would be stopping the garnishment then when I inquired about the payments previously taken out of my check, would I be getting those payments back since I am still in a financial bind due to my work hours being decreased and the added burden of the garnishment being taken. I was told I would receive a call back which I have yet to receive. This sounds like predatory collections practices and unethical.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I have a loan with Ocwen mortgage company. On my statement is says I owe them {$6800.00}. I went to their website to pull a payoff statement. I tried a few times but their system was to working. I wanted to pay this off so to be safe I sent them a payment for {$6800.00}. I called the company today and they said they out the payment on hold ( and it is still on hold ) because it was more than the statement said. I asked why they did not pay the loan of and send me a small refund? Their representative could not really speak to it. I then said the statement still is the same pay it off today and send me a small refund. He stated that is against their policies. Now they are sending it to the payoff department to see what they can do. I am not going to be paying another 11+ days of interest because Ocwen could not simply apply my payment that I overpaid. I thought this would be a very easy process and it seems that is not the case. I did tell them I did this exact same thing past year with Ocwen as well and the process went exactly how I hoped it would go this time.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX, Equifax and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

Equifax is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : XXXX, Equifax and XXXX. However, they have yet to MASK these items, from my Credit Reports.

However, on XX/XX/XXXX after I disputed these inaccuracies with XXXX, Equifax and XXXX. XXXX  and Equifax REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint.

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : XXXX, Equifax and XXXX  IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

XX/XX/22 at XXXX received a text message that was suspected phishing. I do not have a Wells Fargo account. 
The text stated WeIlsFargoAIert : on XXXX {$44.00} at XXXX XXXX, Not you? Visit us at XXXX XXXX XXXX? secure The number sending the text is XXXX ( XXXX ) XXXX Thank you
Consumer complaint received 2023-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Approximately, around the end of XX/XX/2021 I fell victim to an online investment scam. I was communicating with someone on XXXX and the person seemed trustworthy as I got to know them better and this person was explaining to me how I can invest my money and make more through XXXX  XXXX  through an app known as XXXX. However, eventually I then realized I was scammed as I could not withdraw the money that I have invested. I then notified my bank of the incident but they have refused to help me and have even ignored my letters to them to financially compensate me for the scam that I have became a victim of. Please refer to the attached letter for more details.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I transferred money to may son through Capital One XXXX and the money has not been sent or received by my son for 2 weeks. I have contacted Capital One several times and they keep saying they are investigating.- No response
Consumer complaint received 2024-04-23
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (NC)

I received a text from bread accusing me of defaulting on the loan, which is setup on autopay and the payment was already deducted from my bank account. 

The text was received at XXXX on XX/XX/2023. The text includes the following : Bread : Please contact Bread at XXXX regarding your defaulted loan for the purchase made at I attempted to contact the company via the provided phone number, but the line says their office is not open and has no hours listed.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My wife and I share a joint checking account. My wife 's XXXX  XXXX debit card was charged for three fraudulent charges on XX/XX/XXXX, all of which hit our account while my wife 's debit card was not in her possession ( she realized she did not have the card when alerted of the charges and all purchases made on the same card within minutes of each other ). One charge was for {$45.00} from XXXX XXXX, XXXX was for {$17.00} from XXXX, and one was for {$210.00} from XXXX. XXXX XXXX emailed and texted my wife about the XXXX charge, and they promptly cancelled her card. This occurred after midnight. Because the bank was closed at this time, she called the bank the next day concerning the XXXX XXXX and XXXX charges. They gave her provisional credit and she submitted a claim. Weeks later, they denied her claim because " the card purchase was authorized with a chip ''. My wife and I have never visited the XXXX XXXX and XXXX that the card purchases took place at. In addition, XXXX XXXX failed to inform my wife of the two of the three fraudulent charges that all took place on the same date. They have not kept our money and account secure and are refusing to take responsibility for their lack of security. You'll see in the attached photos that all of the purchases were made around the same time and on the same card.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (TX)

The removal of XXXX of the inquiries was taken off from XXXX XXXX XXXX XXXX However, the other XXXX were still left there. They are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
There was also a new one from XXXX which was not completed by myself on XX/XX/XXXX. 
Also, XXXX XXXX XXXX PA, XXXX XX/XX/XXXX, I have no knowledge of this. 
Also, XXXX XXXX I on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. This is my personal credit account, and I did not allow business inquiries.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I have had my federally protected consumer rights violated by EXPERIAN on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EXPERIAN has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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. (NY)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-07-26
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-07-26
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. (TX)

So I sent a letter off to XXXX on XX/XX/2022. My tracking number is XXXX XXXX XXXX XXXX XXXX. I also sent a letter to Equifax on XX/XX/2022. My tracking is XXXX XXXX XXXX XXXX XXXX. I have contacted them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act XXXX2 USC 1681, I have the right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (WA)

Ally bank froze our account. This is our only account. After 2 weeks of calling and talking and waiting they still don't answer questions. I want my money back. 

We gave them all the necessary documents. They simply don't answer questions. My health has deteriorated because of all this and my psyche is weakening. 

I just want my money back. They don't give them back and don't answer questions.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

this has been a nightmare. XXXX credit card showed up on my Equifax report XX/XX/XXXX. it is not mine and never had any XXXX, but they did conversion with XXXX XXXX and an old XXXX XXXX card that was closed in XXXX with bankruptcy is showing up since conversion. Equifax will not help and reports they just add whatever " they send us. sorry ''. please help. it says limit XXXX and balance {$1300.00} and that I made a payment XX/XX/XXXX????? all untrue and not mine. I'm worried this is fraud from XXXX and they will not respond by my requests have spoken to associates 21 times all to no avail.
Consumer complaint received 2022-07-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have no idea why this is on my account! We like have this removed and a letter in writing. 

XXXX XXXX  Last reported XX/XX/2022 {$750.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$440.00} Open balance PORTFOLIO RECOVERY Last reported XX/XX/2022 {$1500.00} Open balance XXXX XXXX XXXX  Original creditor I would like to have all of these disputed!
Consumer complaint received 2022-07-13
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: FORD MOTOR CREDIT CO. (WI)

After noticing that my deferred payments, during the multiple times that I was diagnosed with XXXX, were being reported as past due, I contacted Ford Motor Credit Co in order to have the incorrect information corrected. I contacted their customer service in XXXX, 2022, XX/XX/2022 and XXXX 2022, and I explained that I was granted deferrals during the times listed as being late. They indicated that they are reporting everything properly on their end and that I would have to submit a dispute to the credit bureaus in order to update the reporting on all 3 credit bureaus. The customer service rep further explained that no matter what I do, she rarely sees any success when disputing credit reporting information but also confirmed that she saw my deferrals in the system. I submitted MULTIPLE disputes via XXXX, XXXX and XXXX without any success. It is imperative that this information is corrected due to the fact that I am applying for a commercial real estate loan and these payments will hinder my ability to qualify for the business loan.
Consumer complaint received 2018-05-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OK)

I have a derogatory mark for a collection from XXXX XXXX XXXX   starting XX/XX/2015 of {$160.00}. It originally came from XXXX. I had no knowledge of this derogatory mark. I had a motorcycle for a very brief period in which I had to get insurance on. I never had ANY issues with payments at all. I had everything on autodraft. So I was very surprised to see the derogatory mark and not have the ability to get it removed. I am hardworking and starting a business and want to put myself in a better place.
Consumer complaint received 2021-07-13
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. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. 
IT HAS NOW BEEN OVER 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE First letter sent XX/XX/2021 30 day demand letter XX/XX/2021
Consumer complaint received 2023-07-31
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. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2018-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

i recently received a check for my rent from back when XXXX was around it took many years to get it but i signed it over to my landlord for my back rent but when she deposited it to her account the bank thought it was fraud no matter what we do they dont beleave us i had to get a new phone in my name but that doesnt work cause its not linked to my name we dont know what else to do. my landlord needs her money
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have owned my home for about 10 years now and I have paid many designated principle only payments above my required monthly payments. On XX/XX/XXXX I reached out to my mortgage company and requested that they send me an updated amortization schedule so that I could see how much my extra principle payments have effected the repayment of my loan. On XX/XX/XXXX They sent me back a letter stating that they are unable to provide this information. I then called the servicing company on a recorded call and requested if they could at least provide me with an updated final payment date that factored in the additional principle payments they have received. They responded by saying that this also could not be provided. I'm making these extra principle payments to shorten the life of this 30 year mortgage, but if the mortgage Servicer can not tell me how my extra payments are affecting the life of my mortgage, than I'm concerned that they aren't even applying the payments properly. I'm afraid of them over collecting and cheating me of my extra payments in the end. I don't want to wait 20 years to find out. I should be entitled to knowing how my payments are affecting the length of mortgage term.