davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

For over year I been writing letters to capital one about someone else using my card. Thru private investigation I found who it was. I did not press criminal charges. But, the person has to fix her damaged with that being said.. I have sent all the info needed and my credit report is still showing charges on one of my cards. The charges are not mine. I paid this card off on XX/XX/2018
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Ive been trying to work with Ocwn thats my mortgage company for 4 years I tried to do an assumption I tried to do a modification nothing is ever possible I wentctheuva bitter divorce about 2years ago my ex defaulted in court judge awarded me the house Ocwen has been telling me for 4 years I can not do an assumption because there is arrears my ex husband stop paying the mortgage when I filed for divorce. I could not afford the mortgage on my own at the time I was left alone with our XXXX children one of which has XXXX. Ocwen kept telling me all the court did was award me the debt nothing else! I contacted the XXXX XXXX XXXX to help me he has been getting no where either. I was recently told my property is going to be sold on XX/XX/2018 even though we have been working with them. I cant understand why no one will help me. I can now afford the mortgage that my ex husband had, but mortgage company says I have to bring the mortgage current before I can assume the loan, which is now {$73000.00} after all kinds of fees. My mortgage is some how almost {$500000.00} even though the house is only worth {$180000.00} at best it needs slot of work, even if you base it on the other properties in my area still no more than {$230000.00}. I dont know what else to do my son will not handle us having to leave the property the house belonged to my parents we bought it from them 16years ago. Please help
Consumer complaint received 2022-07-11
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)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-03-11
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. (WA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-05-07
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. (CO)

XXXX and Transunion are reporting incorrectly that I am 90-120 days past due on XXXX   XXXX - partial account number XXXX-XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-06
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. (PA)

I am moving to a condo complex in XXXX that uses XXXX for all of their condos. Getting XXXX basic cable and internet is required per our lease. I contacted XXXX to receive the equipment needed and was told to provide my social security number. I declined and was told they need it for credit check or that I would need to pay {$100.00} deposit for the equipment I would receive. I said I would prefer the {$100.00} deposit and did not want them to run a credit check, therefore declined to provide my social security number and date of birth. 

I received noticed that a new inquiry had been opened through Equifax through XXXX XXXX on XX/XX/XXXX according to XXXX XXXX and on XX/XX/XXXX through XXXX. I did not authorize them to do this. Looking on XXXX XXXX it has been listed as a Hard Inquiry and has decreased my credit score. The address the inquiry request originated from is : XXXX-XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE I called the company on XX/XX/XXXX and was not given a response and was told they have never heard of this before. Through some basic XXXX search, found this has happened a number of times to others where XXXX ran hard inquiries without authorization from the customer. I have not been contacted back from XXXX as they said they would
Consumer complaint received 2018-10-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had not checked my email and did not see that my initial request had been closed. I see that Portofolio is wanting me to send in a fraud report ( which I initially did directly to them ). But looking at their proof I have found a few discrepancies ; The account with XXXX XXXX is not the same as the one XXXX XXXX themselves have for this account. Portfolio is showing the last four # 's as XXXX. The fraud letter I have FROM XXXX XXXX is showing the last # 's as XXXX The SS # listed is not mine ( I have sent in my Social and ID to the CFPB but will not send it to Portfolio to them use as proof ) The email address listed is not mine - XXXX I will send in another copy of my SS card and my DL if need be.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off
Consumer complaint received 2022-03-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (CA)

New account was opned with Robinhood on XX/XX/XXXX Deposited {$50000.00} from my personal bank to Robinhood on XX/XX/XXXX My Robinhood account was restricted on XXXX XXXX I have uploading my ssn , drive license copy and self picture per their request, My account still got restricted. ( Case ID : XXXX ) I've contacted Robinhood customer service more than 10 timesphone/email ) regarding this matter, They told me they can see all my identity was verified but have no idea why it was still restricted. 

My Robinhood account was deactivated on XX/XX/XXXX XXXX ( Case ID : XXXX ) Email from Robinhood as below " XXXX XXXX, Thank you for your patience. Based on the information provided, we will no longer be able to support the account in question. Please be advised that this is a final decision. 
Next Steps : We will begin the process of scheduling the remaining funds on your account to be returned to their originating source. Please be aware that this process can take up to 60 days, for additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. Thank you for your assistance as we have reviewed your account. We regret these circumstances, but we simply can not facilitate this type of account activity '' I emailed Robinhood I have urgent use on these funds and need to withdraw my funds to my personal bank account asap, they reponsed me they will no longer be able to support the account in question As of today XX/XX/XXXX, Robinhood has held my {$50000.00} almost 4 months since the account opened.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX advertises a MasterCard through Bank of America that can  supposedly be used to instantly buy tickets. 

On Sunday, XX/XX/2018, I had a family emergency and needed to travel right away. My brother decided we were flying down on XXXX. I didnt have the funds on hand to fly, so I applied for the XXXX MasterCard through their website. Their website advertised that the card could be used instantly upon approval. I was redirected to the Bank of America site ( or maybe some hybrid of the two affiliates - it was tough to tell when I was with which company ). I was instantly approved for a {$4000.00} limit, but Bank of America didnt redirect me back to the XXXX website. XXXX, in turn refused to take their branded card as payment, claiming that I needed a he CVV code. I called Bank of America who assured me that XXXX could run the card without the CVV. XXXX refused. Now, Im stuck with a card that cant be used. XXXX  has refused to do anything for advertising a card that could supposedly be used immediately and then refusing to do so. 

I spent much of the morning of Monday the XXXX on the phone with XXXX   and went through three levels of agent - a line agent, a supervisor and a manager. I was then told that they could go no higher without emailing their corporate offices, leaving me no relief, since I had to travel that day.
Consumer complaint received 2018-10-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The collection amount to XXXX  was paid in full. You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to XXXX XXXX, and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of XXXX XXXX, and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely.
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # 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
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX opened a file on my credit report in the amount of {$450.00}. Opon learning of this in XXXX or XX/XX/XXXX, I called Portfolio Recovery to report that this debt has been paid as per a settlement with XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX I moved in XX/XX/XXXX from XXXX  to XXXX  and I never received a final letter from XXXX XXXX showing that the settlement had been fulfilled however I did have other documents showing that I had made an agreement and that I had fulfilled those terms. I was told to contact XXXX XXXX the original creditor for resolution. I did and sent all supporting documents. They claimed this wasn't sufficient and I proceeded to contacted XXXX group several times to resolve this. repeatedly being left on hold for long amounts of time, being told I would be sent a letter, never to receive anything, finally today XX/XX/XXXX I spoke with XXXX  who was formerly XXXX XXXX and requested again a letter showing I had paid this debt and requesting that they report this accurately to XXXX  XXXX and the credit agencies, they took my request and stated I would receive the letter in 30 days but could doing nothing else. Isn't this their responsibility to report accurately?
Consumer complaint received 2018-10-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC (MA)

I applied for a payday loan through XXXX. I received an approval from XXXX XXXX XXXX. I answered questions and then received the contract. I signed everything, but then I was asked for my bank statement and pays stub. Reluctantly, I supplied. I questioned it because I was already approved. I simply requested {$500.00} for one week. I was told all the details before submitted the requested documents. After submitting, I was unable to contact them after several attempts. Then I received an email that I was denied. I would not have followed through with any documentation had I know I would be denied. This all seems super, very suspicious to me. They now have my banking information and a signed contract permitting deduction of the loan from my account.
Consumer complaint received 2022-03-11
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. (GA)

On XX/XX/22 I, XXXX tried to unfreeze my credit report and Experian portal redirected to their 888 number and dialing that number redirected to sending all my licence, SSN card and other details by mail. In this age, Experian is making it hard for me to access my own credit report for credit purposes. Why can't they verify on phone like how XXXX does? XXXX also did not pose any problems for us.
Consumer complaint received 2022-07-11
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. (TN)

XX/XX/XXXX, I submitted an online dispute with XXXX regarding an account on my credit report that I was not familiar with name XXXX XXXX XXXX XXXX XXXX. account number XXXX... I requested a copy of the original agreement for this account which turned out to be a pay day loan of some sort. NO supporting documents were sent only an updated copy of my credit report. 

XX/XX/XXXX, I sent a certified letter to all 3 credits bureaus for them to check into this account and to have the company provide written proof that the account belonged to me and that I signed to have this unknown account opened. When the credit bureaus sent the report back I never received supporting documents that the account was mine and the information was never fixed on my report. In addition to the information not being updated/ verified XXXX reported and shows that this account was Placed for XXXX, XXXX shows the account was opened XX/XX/XXXX and Equifax shows the account opened in XX/XX/XXXX. 

The information that they have provided does not match. How can 1 Bureau report that the account was opened in XXXX and another one report that it was placed in collection in XXXX. The information is not valid and per the Section 611 of the FCRA, this is in complete violation of my rights that this account was not investigated and sufficient proof was provided. Section 611 states, " ... ..of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate ''
Consumer complaint received 2022-03-11
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-11
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. (TX)

I looked at my credit report an recognized inquiries I did not authorized. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Consumer complaint received 2019-05-07
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. ()

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I contacted FTC  and my local police. XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (RI)

I started teaching at a public school in XX/XX/XXXX. My student loans were consolidated in XX/XX/XXXX with XXXX. I was told then ( in XX/XX/XXXX ) that my best course of action was to consolidate to a Smart Loan. Then, XXXX changed ( or my loan was bought out by ) Navient. I asked Navient if I was qualified through my Smart consolidation for the Public Service Loan Forgiveness Program. They said they thought so, and that I just needed to continue working at the XXXX  where I ( still currently ) am working, and I needed to make 120 payments. In XX/XX/XXXX ( when I had made 120 payments ) I started ( what I thought ) was the process of applying for the Public Service Loan Forgiveness program. It took me six months ( and two months of deferment in which my loan was still collecting interest while I was told to complete a DIRECT consolidation ) for me to find out that my loan was NEVER going to qualify for the Public Service Loan Forgiveness Plan because A. It needed to be Directly Consolidated to begin with, B. I would have had to file my taxes individually once I had gotten married. On XX/XX/XXXX I spoke with a representative from the current loan company I've been shuffled to ( XXXX XXXX XXXX  ) and they STIILL told me I would qualify for the Public Service Loan Forgiveness Plan after another 120 ( ten more years worth of payments ) ; which is ALSO NOT TRUE and I blindly would have accumulated nearly {$40000.00} in interest for another 120 payments if a financial planner hadn't caught this and told me I won't qualify now or in 10 years. I started with {$46000.00} of Subsidized and Unsubsidized Federal Student Loans and still have {$37000.00}. to go. I wish I had all of this information before I started XXXX.
Consumer complaint received 2022-07-11
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: JPMORGAN CHASE & CO. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

JPMCB CARD XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.