davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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. (CA)

On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX  pertaining to a credit card with XXXX XXXX XXXX  acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to Equifax, XXXX and XXXX  may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed XXXX, XXXX  and Equifax reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status Equifax is reporting Charge-off, XXXX  is Reporting Charged off as bad Debt, while XXXX  is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency Equifax is reporting Bad debt/collection, XXXX  is showing Not Reported, and XXXX  is reporting Charge off/Other Derog. On Equifax Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on 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 and on 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, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on XXXX. Also, for the Close Date XXXX is reporting XX/XX/XXXX as a close date while Equifax and XXXX are not reporting a close date at all. For Date of Last Activity, Equifax is reporting XX/XX/XXXX ; However, XXXX  is reporting XX/XX/XXXX and XXXX  reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms Equifax and XXXX  are not reporting while XXXX  is reporting Revolving. Lastly, for High Balance Equifax and XXXX  are not reporting anything while XXXX  is reporting a high balance of {$450.00}. 


I have sent them excerpts of my credit reports showing how these accounts are reporting
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Someone applied credit in my name on XX/XX/2018 and XX/XX/2017 to Bank XXXX XXXX. 
I called Transunion and brought this to their attention but Transunion brushed it aside. I keep getting customer service in XXXX who do not know how the identity fraud works in XXXX. I tried talking to different customer services reps with the same results. 

Please help me delete these two inquiries that do not belong to me.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NY)

I got a notice from the Navy Federal Credit Union and the letter stated this : " Under New York laws, you have the right to request a large print version of any collections notice you may receive. '' I have no accounts with this credit union. 
I called Navy Federal Credit Union and they put this account on fraud alert. They will do the claim on this account and will mail me the results within 10 days. Whoever set up this account also got my social security number which I'm very worried about. I called XXXX and they will put my report on alert after I send them identification. I plan on calling social security to alert them on what's happening. I'm very worried this person will set up other accounts under my name and try to steal my money. I don't have any of my personal accounts online in hopes that something like this would never happen. But it did anyway. I don't know how they got my social security number and that really troubles me.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

In XX/XX/2015, XXXX XXXX XXXX are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!
Consumer complaint received 2021-08-19
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: BROKER SOLUTIONS, INC. (TN)

Called to inquire about mortgage rates etc and XXXX/XXXX XXXX XXXX made multiple hard inquiries on my credit file without my permission. I in no way shape or form EVER gave permission for a hard inquiry. We have since contacted them multiple times attempting to remedy the situation yet they refuse. Those inquiries affected my credit negatively enough to make my score now ineligible for a usda loan, costing me a home I had put an offer in. It is my intention to pursue this issue to the fullest extent of the law and use any and all legal recourse I may have. For them to make a mistake not once, but multiple times and refuse to reverse and correct theyre actions is absolutely unacceptable. I have it in writing where they admitted to this, yet refuse to fix it!
Consumer complaint received 2020-01-27
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)

Hello as you can see I keep my credit good. Collection agencies put information that belong to me. I contacted them but they refused to listen to me and called my job. Its weird how they all did the samething. please remove this from my credit. its not mines XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$780.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} XXXX XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$55.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported :XX/XX/2020 {$1100.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$780.00}
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

My mortgage loan was paid off XX/XX/2020. I got an escrow refund of XXXX but I am still owed XXXX. The account shows a payment to insurance of XXXX XX/XX/2020. This payment was never received by insurance and the insurance was not needed as property was sold and account paid off before the insurance start date. The insurance was also cancelled by agent. I enquired with CIT bank customer service and they indicated that they would put a trace on check and refund. I have not received any refund. Your customer service line now only has an automated option and I am not able to get through to an agent. There is basically no response from CIT back after leaving numerous messages on automated line
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

Collection opened Indicates the date the collection account was opened XX/XX/2019 Payment Info Original loan amount {$290.00} Balance {$290.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX I've contacted this company ten times to remove this collection. I did explain to the company I don't own this debit and you have the wrong personing.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XX/XX/2015, XXXX XXXX XXXX are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!
Consumer complaint received 2021-04-30
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. (IA)

Ive submitted several disputes about unverified accounts on my credit report theyve sent no proof that the accounts were mine. Ive sent several disputes to XXXX on these accounts and theyve never sent me any proof they were mine. There are also unverified late payments on an account that theyve sent no proof of me ever being late. Theyre in violation of the FCRA. Accounts in question : XXXX XXXX XXXX  ( there are three of them ) Late payments : XXXX XXXX XXXX XXXX. You guys recently said that this dispute was fraudulent so Im providing my photo ID to prevent any further confusion. I will expect a thorough investigation into these matters as there hasnt been a fair process beforehand.
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (KY)

I had filed a complaint with cfpb on a account I had with ford motor credit and the Executive Analyst XXXX XXXX said that if I got this paid off with there lawyers that we could resolve this account and get it remove from all 3 of my credit reports well I was able to get my ex-wife to finish paying them and tried to call the lawyers to get the account remove they said I needed to get back with ford but no one was able to get me to XXXX XXXX to try and get this resolved. I then decided to try and get in touch with him with you guys now I am hoping that we will in good faith get these removed of my credit report for me showing good faith and keep on my ex-wife to pay this account off XXXX I have done everything to make sure that you guys got paid I know it not your fault for what she did But I really hope you can help me get this issue resolved and have them remove this account from my credit since I was able to get her to pay it all off again thanks for your time XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (NV)

On XX/XX/2021, my lender ( Ally Bank ) notified me that I was required to take an online course on homeownership from XXXX XXXX XXXX, prior to being able to close on my home purchase ( currently scheduled for XX/XX/2021 ). They claim this is a requirement of XXXX XXXX 

Before XXXX would allow me to proceed, I was forced to " opt in '' to allowing XXXX to sell my personal information to advertisers for marketing and other purposes, or else Ally would refuse to close on my loan. This predatory practice was not revealed to me until just three days before closing. 

XXXX would not allow me to take the course without providing : my email, mailing address, veteran status, disabilities, current housing situation, date of birth, education, ethnicity, first-time home buyer status, gender, offer status, marital status, other household members, dependents, race, phone number, and family income. 

None of this information was required in order to deliver the course to me, nor did it appear the course was customized in any way based on my answers. There is no valid reason for XXXX to collect this highly personal data. 

XXXX privacy policy ( XXXX XXXX XXXX ) states : XXXX may use your personal information for particular activities, including, without limitation, [ ... ] marketing and research ; studies, making referrals ; providing product, promotional and other information to you [ ... ]. XXXX may share your personal information and any other information you provide to XXXX with its affiliates, referral partners, counseling agencies, financial service providers ( such as companies providing home mortgages ), lenders, mortgage insurers, Federal, State, and non-profit or other business partners in connection with any of the activities described in this Privacy Policy or otherwise engaged in by you through your use of the Services. In addition, XXXX may share this information with business partners for their marketing and research, and study activities. There is no time limit with respect to when XXXX may share information ; and some sharing may occur after you have obtained a loan or engaged in another kind of housing transaction. 

There is no opportunity to opt out of providing this information or to restrict the ways in which it was used. Within less than 12 hours of completing the course, I started receiving unsolicited commercial email ( spam ) from XXXX. 

I should be allowed to control how my personal information is used, without the threat of having my loan application canceled. While XXXX probably feels I have opted in to such data collection and sharing, I did not have any real choice.
Consumer complaint received 2020-01-24
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. (TN)

I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early XXXXs so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (NY)

I filled a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Hi, so my friend XXXX XXXX posted story saying make XXXX out of $ XXXXmy friend is my high school friend, who i know dince year XXXX so I chatted him & he confirmed the whole thing was legit.We dont talk much except casual conversation on instagram.his profile was also compromised & i had no clue until Monday XX/XX/XXXX. I keep saying i have bad feeling & chatting my friend ( compromised account ) but he is like no its legit. 

So the scammer goes by XXXX XXXX, full name XXXX XXXX asked for {$500.00}. We had our conversation through XXXX.send her money through XXXX, then she asked for {$1000.00} for pin. Then {$700.00}, then {$800.00} & then {$1600.00} XX/XX/XXXX. It started Friday evening. 

I even contacted another person who confirmed that XXXX XXXX was legit.They all blocked me but I have all the screenshots, XXXX XXXXas much information i can get.so on monday XX/XX/XXXX evening once I figured it out it was fake i start demanding money & at last the scammer agreed that im getting nothing.Called me XXXX, XXXX etc. deleted last couple massages so i cant report the account to XXXX. 

Then I reached out to Chase ( my bank ) and they just emailed me this morning that they wont be able to do anything.Reported with XXXX and they said they wont be able to do anything besides reaching out to the other party 's bank. 

Think this account as an example in XXXX. maybe created by my scammer XXXX XXXX XXXX
Consumer complaint received 2021-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (TX)

I spoke with the District manager and went over a balance that was showing on my credit report the district manager informed me that fees occurred on the account after it charged off but refused to give me an itemized invoice showing me how much inches was occurring on the on the account when it when it charged off I have asked several times for them to give me an itemized invoice of my of my choice of loan and the balance which included their interest and fees that theyre stating it is possible that they are trying to combine an old account that was bought that was purchased from them from another lender that I am currently in dispute with. Furthermore I do not believe it is fail or should be legal for a loan company to charge interest on a charged off account and refuse to give me a statement showing the amount. This account has been charged off since 2018 and now their stating interest has accrued
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (GA)

On XX/XX/XXXX loan depot called ask me about refinancing I told him he could give me certain info but do not run a credit inquiry he said he wouldn't I didn't give him my social said he had it from XX/XX/2016 plus he talked to my wife not me I'm XXXX.i gave no permission hope they recorded the conversation cause my wife also told them not to wrong a report very upset at this point
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am hoping that your firm can help me with the issue addressed below. 

Issue : At the beginning of XXXX of XXXX Capital One Bank restricted my checking account because of XXXX or XXXX money order deposits, amounting to {$10000.00}, made by an anonymous person. Capital One Bank will not allow me access to such funds.

Furthermore, Capital One Bank will not close my account, after several requests to do so. 

Capital One Bank refuses to tell me when this issue will be resolved. They tell me that the matter is under an internal investigation, without providing me with a timeline for the end of such investigation. 

So far, I have spoken on the phone with the security team at Capital One Bank about four times. The last time I spoke to one of the security team staff was today, Tuesday, XX/XX/XXXX. 

I do not know the identity of the person who made the mentioned deposits ( at the beginning of XXXX of XXXX ), which amount to {$10000.00}. I suspect its one of a few relatives who owes me money from a loan I extended to him several years ago.

I also suspect that one of such relatives returned the money to me anonymously because they do not wish to be associated with me in any way, due to some very damaging, but false, press reports about me several years ago. 

I wish to gain access to my money ASAP, and to close my account.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been trying to resolve my Capital One Credit card debt for a few months now. i contacted them in XXXX and we agreed to a settlement amount for {$1200.00} to close the account. I asked them to email me a letter of the offer and I would pay that amount. Initiall they agreed to send the letter after a few days nothing showed up so I called back, and they apologized and agreed to send it in the mail and via email. 

Fast forward to today, I follow up on XX/XX/20 and they are now trying to upsell me to {$1800.00} instead of the original amount. I explained to them I would not agree to that amount and would like to pay the original amount but the rep I spoke with refused. When I asked why not, she told me she didnt have an answer she just couldn't. I also asked why I never received the letter they promised, and she admitted the made a mistake and never sent it, and that as supervisor didnt fill out the proper paper work. 

To sum it up, Capital one refused to provided clear terms of a finical agreement, and then is leveraging there position to charge me an extra {$500.00} during a pandemic.