davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (TX)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX Collection/Chargeoff XXXX XXXX  XXXX XXXX XXXX XXXX Late 120 Days XXXX  XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXXXXXX Collection/Chargeoff
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-23
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: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX a payment of XXXX was made for services that were never rendered. Within 90 days from the payment date a dispute was opened with American Express on XX/XX/XXXX regarding my dissatisfaction the services we did not receive. As the issuing cardholder I uploaded documents and stated the case that under the FTC I was dissatisfied with the Quality of Goods and Services I did not received from this merchant. The credit that was posted was recharged on XX/XX/XXXX.
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

My brother passed away and I took over the home. The default in XXXX, XXXX resulted from my loss. I have sent my application and paystubs to my lender. I then called my lender today, XX/XX/XXXX and I was told that I was not under review. I was told that in order to be reviewed I had to speak to my assigned representative. I was told I had to make an appointment to speak to him and could not be transferred today. The first appointment available to me was XX/XX/XXXX between XXXX XXXX. The court has set a non jury trial for my foreclosure case on XX/XX/XXXX. Due to having to wait until the day of my court date to begin a review makes me unable to try to resolve my issue before I XXXX be issued a sale date. I would like a fair review to begin as soon as possible. Thank you.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

On XX/XX/XXXX I logged into my Caliber account and it seemed as though my autopay had been stopped. So, I made a single payment to ensure that my XXXX payment went through. The next day, I learned that Caliber had been updating their online system and my autopay had not been stopped. Therefore, I ended up making a payment on both XX/XX/XXXX and XX/XX/XXXX. 

I did not want to wait for a refund check and was told when I called in early XXXX that we could simply apply the second payment to XXXX and I could wait to make another payment until XXXX. Instead, Caliber repeatedly incorrectly applied the second payment. First, they applied it to principal. I called and informed them of the mistake and was assured that it would be reversed and applied to the XXXX payment. Then, it was simply reversed and suspended on XX/XX/XXXX, so it wasn't applied to my account at all. 

I realized this second error when I received a letter in the mail, which was dated XX/XX/XXXX, in early XXXX stating that I was two payments behind and that Caliber would soon be notifying the Credit Bureau. I called Caliber on XX/XX/XXXX to complain that by XX/XX/XXXX my account should have been fully paid considering the double payment in XXXX. The representative at this point let me know that my XX/XX/XXXX payment had been suspended and they needed to submit a request for this to be posted as the XXXX payment. The representative also requested that I make my XXXX payment at this time, which I did online. 

On XX/XX/XXXX I realized that the XXXX payment I made online had been applied to XXXX instead of XXXX and called Caliber again to ensure that this would not cause the XXXX payment to remain suspended. I was assured that my request was still in process, the extra XXXX payment would be applied to XXXX, the XXXX payment would be reversed and applied to XXXX, and the credit bureaus would not be notified because I was not behind on payments. The representative could not give me a date that this issue would be resolved. 

On XX/XX/XXXX I logged into my Caliber account and saw that there had been a misapplication reversal on XX/XX/XXXX and no further changes. I called Caliber again that day to ask if there would be further progress or if this was another mistake. I was told that there were notes on my account that more work needed to be done to post the payments correctly and was in process, but again I could not be given a date that this would be resolved.

It has now been over two months sense this problem has begun with little to no progress and many mistakes. Every time I call in to try to get help I am given the excuse that due to recent software updates the representatives are having a difficult time doing things quickly and correctly and they can not give me any information about how long it will take to resolve this issue.
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN ATTENTION DISPUTE DEPARTMENT : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation (SC)

I was on a payment plan, I told the school I got laid off of work due to XXXX and was XXXX. I was told I could return the books and supplies so that they wouldnt bill me and no one ever sent a return instruction and now its on my credit for XXXX which is wrong because the program only cost XXXX I tried to dispute it and they rejected my claim
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

My aunt and uncle had given me checks for XXXX and because they knew I was struggling living by myself. I deposit these checks into my bank account only for them to turn out to be counterfeit. I am XXXX XXXX XXXX studying at a XXXX XXXX  and theres no circumstance that I would steal checks that I thought werent meant for me. Turns out the bank thinks its my fault and closed both of my bank accounts with them when I didnt do anything wrong except trust my aunt and uncle.
Consumer complaint received 2019-10-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC. (MI)

The account is ten years plus and has been continuously being reported to the credit bureu I am not working and am a single parent of XXXX young children is there anyway the payment can be written off or taken off of my credit. It is preventing me from providing for my children!
Consumer complaint received 2023-06-29
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: Fidelity National Information Services, Inc. (FNIS) (MN)

Attached to this complaint is a letter from XXXX XXXX Notice of Data Breach informing me my personal information has been compromised. The following inquiries Viewed By Others and Viewed Only By You currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, not my inquiries and is the result of the data breach and identity theft : XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023 , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/2023 , XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023 , XXXX, XX/XX/2023, XXXX  XXXX XXXX XXXX XXXX , XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023 and XXXX XXXX XXXX XXXX XXXX , XX/XX/2023
Consumer complaint received 2023-01-12
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX credit card not mine XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} FCRA Violation : student loan not mine U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX collection not mine XXXX XXXX XXXX {$870.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

i opened a bank account with BECU and deposited a check written from myself from my other bank account ( XXXX XXXX ) and its been on hold as possible fraud. the check cleared out of academy bank and shows on BECU but i'm told it's being held. i requested it be sent back and was told they can't do that. i contacted academy bank and they said it cleared and was fine. its been 8 business days since.
Consumer complaint received 2019-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

i received a hard inquiry on my credit report from XXXX.this was from Capital One Bank.I monitor my credit through XXXX XXXX.Trying to improve my credit XXXX XXXX recommended an offer to recieve a cc from them the odds were good.I did not because of there interest rate.Not a week later i get this inquiry and my score drops quite a bit.I contacted XXXX XXXX no help.I called Capital One today XX/XX/19 was told they cant do anything but told me they have no record of me applying for credit with them.Called XXXX XX/XX/19 said nothing they can do i should contact Capital One.Back and forth.Now i guess i will have to send for the forms to dispute it wait do all that and then wait 45 days for a response.They admit i never submitted any document for credit with them Capital One.Then i dont understand when i did not accept the offer to apply for this card under recommrndation from XXXX XXXX a week later i get this hard inquiry that they should not have done
Consumer complaint received 2023-04-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XX/XX/2023 I transferred my monies from one savings account at Capital One to the 360 savings account also at Capital One. I then tried to add my daughter as joint account holder ( who was a joint account holder on the first savings account ) and designate my beneficiaries. I talked to two different customer service reps at two different times and they could not help me until I added my cell phone number so they could verify my identification. I did that and the phone number was added to the account on XX/XX/2023. When I would go online to add my daughter, it would not " recogniize '' my phone number, with a list of reasons for that happening, and direct my to call an XXXX number. I have called this number several times now and every customer service rep has tried something different and can not get this resolved. 
I have been to the XXXX downtown branch of " Capital One Cafe '' on three different occasions to talk to a service rep in person and they can not help me. 
This last attempt was on XX/XX/2023. I brought my daughter with me, my id and my cell phone They sent me a verification to my cell and they viewed my id, and pulled my my account on their laptop. I showed them the screen online where it won't take my cell phone for verification and it directed them to call the XXXX number. They did so. I am sitting right in front of them with my ID, my cell phone and my daughter with her id and they still can't help me get my information added. The last thing the service rep said was that the cell number needed to be in their system for 30 days before they could add my joint account holder and beneficiaries to my account. 
What? Is this even legal? How can they make me wait to put pertinent information on my account? 
I am XXXX years old and this has caused my considerable distress and loss of sleep for over a month now. I want to know that if anything happens to me, my daughter can access my account for any emergency that arises
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (VA)

XX/XX/2019 XXXX hired a collection agency to come after me. I paid the settled amount that the debt collector and XXXX  agreed on. The email says that XXXX agreed to waive the XXXX and I could pay the remainder. Thats what I did. Now XXXX  says I owe them XXXX. I have the email that says XXXX  agreed to waive this amount. I settled the debt and paid it.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. ()

When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$13000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX XXXX Owed : {$0.00} DPEDXXXX XXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$13000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDNELNET XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDNELNET XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

There was a {$300.00} unauthorized withdrawal from my checking acocunt in XXXX. After filing my request with M and T bank, they claim they never received the mailed paperwork. So I faxed it and mailed it again in XXXX which they did receive. 

They denied my claim and said their investigation did not come up with how it happened. However, when I asked what they investigated or how they came to this conclusion, I was told nothing. 

It is impossible to speak to anyone in the fraud/unauthorized transaction department, they only use emails from customer service. I am asking again to be contacted about the denial but that has yet to happen and probably will not. 

Are there any options for me at this point as M and T bank will not allow customers to speak to the individuals doing the investigation?