davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft 12 CAPITAL ONE NA Account Number : XXXX This is not mine.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Yes apparently there is a bank of america credit card in my name. It has like 2000 limit. It shows on my credit score. I never got this card and looks like the person missing payments. Which is affect my score. I have no idea what card it is. I try to call the bank of america check on this card no avail. Cuz i don't have the account info or the person email or address. This card should be mine Do you not check people out>? Never got anything on this credit card.
Consumer complaint received 2016-09-29
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (FL)

I took out a Homeowners line of credit from BBVA Compass XX/XX/2016. The bank consistently marketd this product to me for over a year by saying the product was a " no brainer '' and had no closing costs. They required I immediately draw XXXX on the line which i did. In XX/XX/XXXX I paid XXXX instead of the min payment of {$75.00}. They then charged me XXXX in closing costs. 
When i called the bank, I was only given the options vis the automated dialer to buy new products, When i ACTUALLY reached a person, she just refered to me another department and the exact same auto dialier came up.
Consumer complaint received 2019-03-12
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. (OH)

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, OHIO XXXX XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Consumer complaint received 2016-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I XXXX from college in XXXX and consolidated my subsidized and unsubsidized student loans for a 20 year term. Since XXXX I have done the following in an attempt to pay off my loan sooner : 1 ) Paid more than my minimum payment for the first 5 years 2 ) Signed up for automatic withdrawal to ( supposedly ) qualify for a 0.25 % interest rate reduction 3 ) The 2 years I was in XXXX school the unsubsidized portion of my loan was ( supposedly ) not accruing interest, however, I was still making MORE than the minimum payment in an attempt to pay off my loan sooner. 

When I logged onto my account this month XXXX XXXX XXXX ) I noticed my payoff date was in XXXX - this would make my loan term 22 years from my date of XXXXon in XXXX. How is this possible when I had a 20 year term AND had done the above XXXX activities in an attempt to REDUCE my loan term? I called Navient to inquire and got different stories from every representative and supervisor I talked to. The supervisor I spoke to indicated he was forwarding my complaint to Navient 's research department to investigate. The next day I received a useless letter from the research department that simply contained my loan amount and the payoff date ( in XXXX. ) I called Navient again and told them I was reporting them. The representative I spoke to this time just kept saying " well, we bought your loan from XXXX. '' I really do n't care who bought or sold my loan as I had no say in this matter at all. I signed an agreement when I consolidated my loan ( to a 20 year term ) and it was obviously broken in some way without my consent. In this situation there is no physically possible way that Navient was not taking money in some sort of unethical manner. This needs to stop. Others need to be protected from this happening to them as well.
Consumer complaint received 2022-12-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-15
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. (NY)

there are fraudulent inquiries on my credit report that needs to be deleted, ive sent transunion a dispute letter along with my ftc report on XX/XX/XXXX to have these inquires deleted they responded and said that it came from a third party. i did hire anyone or use anyone to send or make letters on my behalf. that being said i want these fraudulent inquires deleted now. 
XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX. XXXX XXXX XXXX Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX Bank ) XX/XX/2022 XXXX. XXXX XXXXXXXX XXXX ( Bank ) XX/XX/2022 XXXX. XXXX XXXX XXXX Bank ) XX/XX/2022 XXXX XXXX XXXX Bank XXXX XX/XX/2022 2022
Consumer complaint received 2022-12-15
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. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

My bank of America debit card was lost/stolen/misplaced and someone has used my debit card to complete fraudulent transactions. Bank of America allowed XXXX checks to be deposited and cleared that were then realized to be counterfeit checks. ( {$580.00} x XXXX ) from a company named XXXX that I have no connection with. The checks were cleared and then the debit card was used to withdraw {$1100.00} in cash, and make large purchases at places such as XXXX and electronic stores. This counterfeit money was deposited and then taken out within an hour according to what I was told. I contacted bank of America when I realized my debit card was really lost and my online account had locked me out. Bank of America told me that I am never able to have an account with them again and that I will not be receiving my valid pay check via XXXX XXXX XXXX because my account is in the negative due to the counterfeit checks reversing. I told BOA that I would be filing a police report. I asked BOA if they can tell me the location and time of the atm transactions. I have spoken to many people and I 'm still not 100 % Positive if the transactions took place in XXXX, Delaware, or somewhere in Pennsylvania because BOA cant seem to tell. I am assuming XXXX, Delaware because XXXX XXXX XXXX is in DE, and a representative assured me there is a BOA atm inside of that casino. BOA is not helping me and do not seemed concerned at all that this has happened to me. My hard earned pay check was swallowed whole into a negative account due to counterfeit checks that BOA can barely even verify a location. I also asked if they can locate the ATM and have survelliance pulled because it was not physically me at the ATM. They said I need to deal with the police department!!! 

terrible! no help from the company that I have been using since I XXXX for them in 2014. please help ps : bank of America security questions - someone, ( probably the same individual who had my debit card ) actually called bank of America XXXX pretending to be me and submitted a fraud claim as if they were disputing these charges, ( before I was even aware of them ) My entire wallet was stolen and bank of America asks security questions such as DOB, full name, and extra security is often a driver 's license # ( I know this from XXXX there and from the fact that ive called them multiple times today and every single time I was asked for my DL 's # which thankfully I know by heart ) Making it very easy for someone with a stolen wallet to easily by pass security!!!!!!!!!!!!!!!!!!!!! My full name drivers license and DOB are all on the ID inside of my stolen wallet, and someone is easily calling bank of America and by passing security with a breeze
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I sent out a formal complaint letter on XX/XX/2021 about removing inaccurate information from my credit report. It has been 30 days since I sent in the letter and I've yet to receive any update from them. Please let them know I take this matter seriously and I need an update on my credit report. Thank you.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

I overdrafted my account on Tuesday, XX/XX/XXXX. I was in succession, charged five additional times for overdrafts. I reached out the Chase on Thursday, XX/XX/XXXX that I was just made aware of the overdrafts and that I would have additional monies available in the account by XXXX on XX/XX/XXXX. During that transaction, Chase refunded THREE of the five overdraft fees. The account specialist then gave me information to return and call tomorrow XX/XX/XXXX to have the remaining two overdrafts taken care of. When I called on XX/XX/XXXX, at XXXX to have the additional charges removed, I was stonewalled and a special policy was given as a reason for not being able to remove the additional charges. The representative told me that only three could be removed in a twelve month period. This is patently false, as prescribed by another representative.
Consumer complaint received 2019-07-10
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. (MD)

On XX/XX/2019, a check was submitted and cleared to XXXX XXXX XXXX in the amount of {$26000.00} to pay off auto loan, XXXX XXXX. Initially, XXXX XXXX resisted providing me with a paid in full letter, attached, but subsequently relented. I then disputed the balance on my Experian account, but XXXX XXXX validated the debt as accurate, which has severely impacted me. XXXX XXXX provided me on their letterhead validation that the debt was paid in full ; but subsequently advised Experian that the debt was valid. 

This is collusion amongst a credit bureau and subscriber to impact consumers and ultimately drive up interest rates and cause adverse actions for consumers.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I am currently in the loan modification process with a sale date on my property for XXXX. I have complied with Ocwen loan servicing , LLC . I am very concerned about the sale date while in the modification process. My relationship manager assigned to my modification process said to me on XXXX at XXXX pacific time. I have a complete modification package submitted. Along with a letter to clarify a mistake on the XXXX tax return that showed I had XXXX businesses but I only have XXXX business. There should be no sale on my property at this time. Please stop the sale date while I am in the modification process.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Consumer complaint received 2021-02-17
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. (IL)

Of the 3 major credit reporting agencies, Equifax is the only one that continues to report late/trailing XXXX XXXX mortgage balance of {$3400.00}. Everytime I call or start another dispute the mortgage is late additional months. I have advised them this can not be, as I am on " automatic payments '' and I have even sent them bill statements, and credit history. They have not exercised the courtesy and/or logic when reviewing information to see that the months keep trailing one another. I have had XXXX XXXX provide them correct information. With all of the disputes and information I have submitted I am beginning to believe this is racially driven. As there is no other way to understand why they have not rectified this in this amount of time.This has prevented me from buying and renovating homes, moving into a new home, getting credit increases, and providing additional needs that I have for my family.
Consumer complaint received 2021-12-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation (TX)

To Whom It May Concern : I XXXX XXXX recently made a requested to Regional finance for a debt validation for a account that is reporting on my XXXX, As a charge off account on XX/XX/2021. Regional Finance sent me back a contract on XX/XX/2021. I do not recognize the amount, account number or the address in the contract.
Consumer complaint received 2019-09-20
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: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/19. I paid {$400.00} with MCM conf. # XXXX. The negative remarks of DEROGATORY/ CHARGE OFF/ closed have not been removed even after an investigation
Consumer complaint received 2019-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hardesty Law Office, PLLC (TX)

On XX/XX/2018my facial lady moved to a new spa and asked me to go with her. I signed a one year agreement to do 12 pre paid services.  The last time I went to the spa was XX/XX/2018.  My facial lady went to XXXX and was fired. The spa owner never disclosed this to me.  Someone also upgraded my membership from 12 prepaid services to 24 with no consent and charged my XXXX XXXX/m not XXXX/m as I agreed.  When I discovered this late XX/XX/2018 I sent notice to the owner that she was no longer authorized to charge on my XXXX.  I had tried to get in the previous months and was told XXXX was still out of town and finally XXXX told me she had been fired.  The spa continued to charge my card despite my withdrawal of consent for several months until finally XXXX helped me block them from using the number to process charges. Now they are wrongfully attempting too collect on a debt for the altered contract amount when the underlying agreed amount has been paid in full. I agreed to 12 services at XXXX and have been charged and am being sued for 24 services at XXXX  and even her lawyer agrees I agreed to only 12 services.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

These people from "Portfolio Collections" call me multiple times a day and some late at night. One just called me at XXXX. I have repeatedly told them to stop contacting me because they not only will not say what the debt is for but they also will only keep asking for personal information. When I tell them to stop calling me they yell at me and get hostile. I have told them now twice if they call me again I am getting my attorney involved and they start yelling at me. They call at different numbers each time. I don't know what else to do. Please make these calls stop.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

Experian isn’t removing this debt that has been paid off on my credit report, they are stating that this debt is accurate and true even after disputing this and uploading documents that show/prove that I paid this debt off. I submitted a dispute XX/XX/19, they resolved it XX/XX/19 and said that they didn’t delete this because I still this debt to a company.
Consumer complaint received 2019-10-11
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: EQUIFAX, INC. (MA)

Equifax reported a hard inquiry from XXXX XXXX XXXX XXXX occurred on XX/XX/XXXX. I have not had any dealings with XXXX XXXX XXXX XXXX. This is the third time XXXX XXXX XXXX XXXX g=has made a hard inquiry regarding my credit.
Consumer complaint received 2021-02-17
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

5/3 BANK NA XXXX Date Opened XX/XX/2019 Balance {$400.00} Isnt your agency supposed to report only the accurate information? There are three different dates of the last activity reporting. Isnt the date of the last activity supposed to be the same in each bureau? How can you immediately report this account 90 days late when theres no late payment before that?
Consumer complaint received 2018-06-01
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: CORELOGIC INC (CA)

I looked into a loan from XXXX XXXX. Unbeknownst to me, they sent my inquiry to them out to several other companies. I have never heard of some of them. Out of 10 hard inquiries, I only know of one that I actually applied for.