davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

Earlier this year, the escrow amount due on my account was updated and now written notification of the change was received. This resulted in my auto payment short falling a small amount ( around {$200.00} ). As soon as I was made aware of it by the bank ( who called from a number my cell carrier said was a 'spam call ' ) I paid it in full and adjusted my payment amount. I also notified them that I had never received the proper paperwork for the escrow change. They agreed to remove all late fees and set the account to current, and that their escrow department would reach out to me in the near future. 

This month, I began the process of refinancing and found out that the bank reported that my mortgage was past due, ruining my credit score and making impossible for me to refinance at the rate I deserve. Because of the way the bank does not apply partial payments, it looked like for short period that my loan payments had been missed entirely. This has never happened. 

It should be noted that I had almost the exact same problem with them previously and that it did not get corrected until I filed a report with the CFPB, so I am doing so again now.
Consumer complaint received 2017-10-05
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Performant Financial Corporation (SD)

PERFORMANT FINANCIAL C Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX This company attempted to run a hard pull credit report by classifying their inquiry as an " installment loan application " rather than collections activity. This would damage my credit score and add another hard inquiry. I have not been contacted about this account being late, I 've been making regular payments and they are lying and misrepresenting their purpose in order to damage my credit score.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was looking for a puppy online, and this website popped up to me through a XXXX ad. I tried to buy a puppy through this website. The seller contacted me through phone and email. I paid {$900.00} in total, which included {$750.00} for the puppy and {$150.00} for the shipping. The seller only accepts Zelle payment. After I paid the total of {$900.00}, the seller asked me to pay an additional {$500.00} pet insurance in order to ship the puppy. That's how I found out it's a scam. I called my bank to reverse the payment because this is a scam, but they told me they can't do anything because it's through Zelle.
Consumer complaint received 2020-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.
Consumer complaint received 2021-09-08
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. (PA)

I submitted disputes as well as an FTC report for fraudulent accounts on my credit reports. 

XXXX - XXXX {$3000.00} XXXX XXXX XXXX $ {$2600.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$62.00} Equifax XXXX XXXX XXXX XXXX {$62.00}
Consumer complaint received 2021-09-08
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. (MD)

I am a victim of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit 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: DISCOVER BANK (NY)

I purchase a vehicle from XXXX XXXX  XXXX, with my credit card ( XXXX  ) on XX/XX/2021 for {$5000.00} during the pandemic, and what I receive is different from what i signed for, cause the mileage of the car i paid for is different from the car mileage i received from XXXX XXXX  sent to me, and immediately return the merchandise back to XXXX XXXX  true the towing company that brought the car to me and i even paid the towing company before returning the car back to them, and i called my credit card ( DISCOVER ) to complain about the fraudulent transaction and my credit card ( DISCOVER ) did noting to it
Consumer complaint received 2021-09-08
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. (MD)

I am a victim of identity theft. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (VA)

I dispute this with credit Bureau and the Collections company claims to have verified the debt without sending me any proof or verification whatsoever. 
I demand that they immediately remove the negative items on my credit report immediately or proof to me that I owed the debt by providing me documents and the original contract of the debt.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

this account was never delinquent this's my school loan please removed all late from this account please XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-08
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. (FL)

XX/XX/2021 I was turned down for a credit card that I applied for stating a fraud alert was on my credit report I submitted my drivers license as proof of who I was. Waited four days as I was instructed for the fraud alert to be removed called in and spoke to the representative He stated the fraud alert would be removed and I called back in four hours later and the fraud alert was put back on my account! I knew the representative who stated the fraud alert was removed really did nothing about it I asked to speak to a supervisor he again stated the fraud alert was removed after 10 minutes of holding on the phone for a supervisor I called the next day to make sure the fraud alert was removed she said no it was removed and then somebody put it back on again! I stated this is ridiculous 20 minutes on hold to speak to somebody at Experian I wanted to speak to a supervisor and which one never called me back I stated I wanted the call to be listened to since everything is recorded and I wanted to know who put the alert back on my account after it was removed because I definitely stated I did not want the fraud alert on my report so somebody at Experian decided they wanted to put the fraud alert on my account without my permission and again never spoke to a supervisor who was supposed to call me back never spoke to anybody from Experian nobody was concerned about my report
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (SC)

There are 17 accounts that are on my credit report that do not belong to me I have been going back and forth with the buireaus for two years I have opened an FTC report and this is my last step. This is clearly identity theft and I wan this resolved asap. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX  - CARD SERVICE Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-05-28
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. (NY)

Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.
Consumer complaint received 2021-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I HAVE SUBMITTED INFORMATION CONCERNING MY CONSUMER REPORTS TO THE 3 MAJOR CRA 'S AND NOTHING HAS CHANGED AND ITS A VIOLATION OF FCRA. PLEASE ADVISE
Consumer complaint received 2021-09-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I had been notified in several communications sent by Santander Private Client that I was upgraded to their Santander Private Client Checking. I never requested, authorized, opted-in or approved such change. In fact, when I received such earliest notice I called to advise them that I wasn't interested in their 'upgrade ' with attendant balance requirements, etc. I had also responded to one of those special letters opting-out of any such program opportunity. However, they persist. Feels like the fraud at XXXX XXXX when those bankers 'automatically ' flipped accounts under an illegal marketing scheme!
Consumer complaint received 2021-09-08
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. (MD)

I am a victim of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (FL)

The latest shady experience I 've had with Discover Student Loans took place today XX/XX/XXXX. I had been double charged for a student loan payment on XX/XX/XXXX when I signed up for a repayment assistance plan. Needless to say, getting double charged was the last thing I needed. So, I called Discover Student Loans on XX/XX/XXXX when I noticed on my bank statement why my balance was so low ( double charged ). I spoke with the repayment assistance department and they agreed that they had double charged me and said they would process my payment refund immediately. The person I spoke to even confirmed my phone number and asked if he could call me if there were any issues processing the refund ... Well, today, XXXX days after I made the call I still had not received the refund. So, I called again, explained, and after being put on hold the person I spoke to said that they had just sent the refund by mail TODAY ( seriously?! ) and that it will take an additional XXXX days for it to arrive. Clearly, they were not planning on refunding my payment, and then to top it all off they sent it by mail instead of refunding it directly to my bank account. This is the third time in XXXX years I 've experienced an unscrupulous practice from Discover Student Loans. I will also submit a complaint for those other instances because enough is enough.
Consumer complaint received 2021-01-19
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. (NJ)

I received a letter from your firm stating that my letter requesting verification of erroneous items on my report has been classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous or irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed ( DATE SENT ) via certified mail, I will file a complaint with the Federal Trade Commission against your company. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
1. This account does not belong to me. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Reported a factual error to XXXX, XXXX and XXXX credit bureaus. 
Capital One Bank USA NA XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX They filed a hard inquiry without my consent or request for credit from them or any of their affiliates. This was a fraudulent attempt to access my credit records. As well as fraud from the credit requestor and reported as such.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions EXPERIAN refuses to investigate or state methods of investigation to ensure accurate information is being reported. Experian will prefer for all consumers to take legal action rather than reporting correct information. 


CFPB it appear your organization also is allowing these credit agencies to ignore your policies when it comes to protecting consumers.
Consumer complaint received 2021-09-08
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. (CA)

I the consumer XXXX XXXX, have been involved in identity theft, who has some items on my report that were as the result of identity theft. I also found out my information was leaked in the XXXX data breach. I keep letting XXXX, Transunion, XXXX, and they keep saying these fraudulent accounts are verified and they can't remove them even after I have submitted an FTC report to show that these accounts were fraudulent and I didn't benfefit nor consent to these accounts or inquiries. These collection accounts never reached out to me before placing these accounts on my account, which violates 15 usc 1692g as they were to write me 5 days before placing them on my report. Please investigate these accounts and block and remove them after confirming they are fraudulent.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I just used the XXXX app to monitor my credit, when I noticed that I could apply for the Capital One card. The approval odds were listed in green, and said " good. '' I applied, but my application apparently was n't accepted. I have decent credit, and believe that I am being descriminated against.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MI)

After, receiving an invitation, and being eligible to apply for a NAVY FEDERAL personal checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal checking account on NAVY FEDERAL. I filled out the form online, and provided every document required. I was immediately approved for a new personal checking account. Throughout the year I enjoyed my personal checking account and remained in great relations with NAVY FEDERAL, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My NAVY FEDERAL ACCOUNTS were hacked, and information was stolen and used for multiple fraudulent charges. NAVY FEDERAL was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of Navy Federal mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my John DOE. I was uncomfortable with continuing business with navy federal credit union. I beg and plead with navy federal to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from NAVY FEDERAL pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by NAVY FEDERAL. As I took the representative advice once again my account was hacked, and NAVY FEDERAL failed to protect me as a consumer. Navy Federal finally agreed to close the checking account with a {$0.00} dollar balance. the company also agreed to issue out the original deposit for each transaction not approved. On XX/XX/2022 I received a threaten letter in which stated, I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Navy Federal is running my credit reputation by reporting a balance of {$1100.00} dollars in which, is not owed. Navy Federal did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer.
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc. (OR)

I called XXXX that's who I got the card from on XX/XX/20 to find out why my balance was XXXX when I had put XXXX on it when on my transactions I found over XXXX transactions from XXXX for XXXX cents until my account was completly drained. I dont understand why this many transactions were not red flagged