davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In the past Ive had trouble with the law but I have changed my life and fixed my credit to be a great score, Ive applied for a credit card company which was capital one they approved me for a {$500.00} limit and ive made on time payments and have used the card and have been very responsible. Today XX/XX/2022 I was going to make a payment to my credit card and I was informed that my card was shut down due to me having a federal case open for past actions not relating to any credit cards or financial institutions. Capital one approved me for a credit card while having my federal case open so Im confused why months later they decided to close my card and I havent done anything to have them do that. This is very unfair and illegal, if the credit card company had a problem with it before they should of denied me from when I first applied .This is very devastating and unfair as I am trying to become a changed person and build my future life and for my XXXX kids.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2018 capitalone closed my account and restricted my account because I field I fraud clame on my account. When I call back I spoke to some one they say that my account was closed because of payments returned as they can see I never had a charged back on my account with no payment l. I talked to them on special accusing about my account and they all was give me the run around and when they found out I call the CFPB thats when they closed my account I just want answers on why my account was closed and I would like to open the same account I have on file. I have everyone I spoked to about my account ID NUMBERS. Thank you
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

During the month of XXXX, I sent out letters to the U.S. Bankruptcy Court in XXXX, FL as well as XXXX, Equifax and XXXX   requesting that the bankrupcty discharge on my credit reports be removed because they are inaccurate and non-verified because the courts do not verify with CA or third parties.
Consumer complaint received 2022-03-31
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

Around XXXX, I was having financial difficulties but I found about my XXXX XXXX account gone into collections by checking my credit report. I contacted the debt collector, ALDOS sometime in XX/XX/XXXX. I paid the balance in full. I tried to ask them for in exchange for paying the debt in full to remove it from my report. They told me it could not be done. I paid them in XX/XX/2020 because I was working on improving my credit report and score. I am even working with a financial advisor to help facilitate this goal further. 
Since the balance has been paid in full. I would like to have this removed from my credit report as it is having a negative impact on my score and history. I am trying to move forward to correct my mistakes during a difficult time for me to support myself financially.
Consumer complaint received 2017-11-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ALLY FINANCIAL INC. (WV)

I took out a car loan for XXXX with Ally financial in 2011. They have withheld account information to me, lied about my payment plans, used extortion and bullying to squeeze exorbitant amounts of cash well over what I originally agreed too. I have put over 30,000 dollars in this car and they are still harassing me.
Consumer complaint received 2018-03-19
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. (IL)

I have a an account on my credit in the total of {$3800.00} of which states it is a joint account. Which is false. Through contact with the company whom filed this collection, I received an email of the notes they've taken. In the notes I left the apartment XX/XX/XXXX To move out of state. In the notes in states that both parties agreed that I was removing myself off the lease. Which the apartment was then left in the hands of the other tenant since I had moved out of state 2 weeks later. Which I was staying with a friend during that time. XX/XX/XXXX the current tenant had a 48 hour  eviction notice. All of the responsibility was left over to the other tenant ( s ) after I removed myself off the lease. I have the notes in an email sent by the company, I have proof I was living with a friend, and I have proof I moved out of state. This charge is false and should solely be in the other persons name.
Consumer complaint received 2018-03-19
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: NCB Management Services Inc. (TX)

NCB Management Services Inc. agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.
Consumer complaint received 2021-09-22
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2018-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

At the conciliation court conference on XX/XX/XXXX, lenders counsel confirmed that a TPP had been offered and verbally reported that they amount due is {$560.00} due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but did not mention needing a signed returned agreement. On XX/XX/XXXX, the homeowner received a billing statement from Ocwen dated XX/XX/XXXX, confirming the amount of the TPP : {$560.00}. Timely payments were made XX/XX/XXXX & XX/XX/XXXX. They were accepted by Ocwen and as of this date have not been returned to the homeowner. On XX/XX/XXXX, an email attachment with a letter from Ocwen was received by the housing counselor ( sent from lenders counsel ) stating that the modification offer was not forthcoming and was being cancelled/denied because the homeowner had not returned a signed copy of the TPP offer. However, the homeowner had never received a detailed TPP offer packet. She was not given a copy of the TPP offer until XX/XX/XXXX via email from lenders counsel. *HOMEOWNER HAS NEVER RECEIVED THIS OFFER BY MAIL* The homeowner immediately signed and returned the TPP offer, but at the conciliation court conference on XX/XX/XXXX, the homeowner was told by lenders counsel ( after mistakenly telling her that shed been denied for missed TPP payments ) that she would have to reapply for another TPP. Ocwens counsel reported that Ocwen would keep the submitted TPP payments and apply them to the delinquency but not modify the mortgage.
Consumer complaint received 2021-09-11
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. (FL)

Account is reporting multiple inaccuracies and violations of my consumer rights. I have disputed this with the bureaus and the creditor, both of which have failed to remove or correct any of this information. Creditor has also failed to mark this account as disputed and is reporting a derogatory/collection status which is inaccurate, this account should reflect as " PAID AS AGREED ''.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

American Express sent an offer for XXXX MR points as a targeted offer last year. I needed to spend {$5000.00} in 90 days in order to receive the offer. I completed the terms and have not received the targeted promotion. I have made several calls to their Membership Rewards team and to this date have not received a response or resolution. I continue to get the run around on this issue and it is becoming increasingly frustrating.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

AWA collections has been reporting inaccurate information for the past two years to all three credit bureau 's. I've sent numerous certified letters over the past year requesting they send documentation regarding this account so that I can verify it's contents. They have ignored my requests yet continued to report inaccurate information which has resulted in a lower credit rating as well as a denial of a mortgage application. They also continue to harass my family members and co-worker 's regarding this alleged debt.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (LA)

On XXXX XXXX I received an email from a XXXX  XXXX XXXX. In the letter it stated that they have received the application for the XXXX XXXX XXXX Credit Card. I have not applied for any credit card so I contacted XXXX  XXXX XXXX to let them know. 
they took all the information needed and send the fraud report to their fraud department. I have also contacted Experian to put a fraud alert and put a claim about this issue since it was already on my credit report.
Consumer complaint received 2024-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

Air travel tickets for party of 3 were booked through CapitalOne travel using Capital one VentureX credit card on XX/XX/2023. Due to personal reasons, tickets had to be rescheduled. Due to incorrect information provided by the customer service we had to cancel our reservation. On trying to re-book our travel using the airline credit provided, the price was higher than making a new reservation on CapitalOne travel website. The customer support could not help us as to why price was higher and gave complete wrong information or just hung-up without any solution. We had to spend more than {$6000.00} to rebook new tickets for no fault of ours. We were advised by customer service to file claim with credit card ( Capital one VentureX ) for the initial transaction. Capital One credit card fraud department rejected the claim even on providing adequate documentation and information. They also mentioned that they can't work against their own company ( merchant here ) and asked us to solve the issue with Capital one travel directly. CapitalOne travel refused to work on this issue.

A few months later, one of the tickets ( XXXX ) for the party of 3 had to be rescheduled. The customer support had no clue how this was to be done and gave completely wrong information. This resulted in us going back and forth with less than XXXX for our travel. Again, with wrong information and hugh-up calls from customer service, we had to spend more money to re-book ticket. We had to spend more than {$500.00} and hours on call with CapitalOne. CapitalOne agreed it was their mistake and offered to pay {$100.00} as compensation, which was refused by us.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XXXX of XXXX my husband and I were forced to close our business 's due to covid 19 and the governors orders. Being self employed we were not eligible for unemployment at that time. Out of fear we called our bank and asked if there was anything we could do. They offered us a forbearance plan which they said was very simple and would just add 3 months onto the end of our loan. We went ahead with that. We were not to make payments for XXXX XXXX and XX/XX/XXXX. We were told they would send paper work for us to sign in the mail. We never received anything. I called on XX/XX/XXXX and then on XX/XX/XXXX. I was told everything was delayed and they assured me we would get it soon. I then called on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. All the same thing everything is delayed it will be mailed soon. On XX/XX/XXXX I called and was told they were working on our paperwork and I should get it soon. I called again XX/XX/XXXX and XX/XX/XXXX same response. On XX/XX/XXXX the paper work was sent over night. We signed and notarized and send it back the next day. I called again XX/XX/XXXX XXXX and XXXX. They said they received the paper work and were working on things. I called XX/XX/XXXX and spoke to a man who was extremely rude and told me I should be greatful that they even gave us the opportunity to do the forbearance and I needed to be patient. I called back on the XXXX of XXXX and Then on the XXXX of XXXX. I was told on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that someone would call me within 48 hours to discuss my issues and I have never received a phone call. It has now been 1 year. We are losing money. We have everything ready to refinance our home at a lower interest rate so that we can fix the roof that is leaking into our home. So everyday this process goes on is costing us money and damage to our home.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX on time payments right before my first year mark was coming up XXXX XXXX closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not XXXX bank
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Services, Inc. (IL)

On XX/XX/2021 I reached out to Certified Services Inc and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (TN)

The XXXX office that charged off this debt did so knowing the insurance company covered the cost. This office has a long history of submitting to insurance improperly then billing the patient as well. After receiving the amount from the insurance company they still tried to charge the patient. Several attempts have been made to fix this error, the office clerk even acknowledged insurance had paid it but yet still tried to charge. If this isn't immediately deleted from my credit we will file suit. Not only against the original company but against this collection agency for a direct violation of HIPAA laws by obtaining medical records without patient consent.
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (GA)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave XXXX, Equifax or XXXX  any written consent to report anything on my consumer report. No contract is identity theft.
Consumer complaint received 2021-07-06
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: Navient Solutions, LLC. (FL)

Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.
Consumer complaint received 2021-07-12
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. (OH)

XX/XX/2021 at XXXX XXXX  I was denied the right to speak with a manager about my personal consumer report by Equifax
Consumer complaint received 2018-03-19
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: eMoneyUSA Holdings, LLC (TX)

THIS ACCOUNT E MONEY USA APPEARS ON MY CREDIT REPORTING. I NEED THIS DELETED ON BOTH XXXX  AND XXXX. I NEVER HAD AN ACCOUNT WITH THEM. LOOKS LIKE IT IS OPENNED SINCE 2015 AND STILL SHOWING. I ASKED THEM TO VALIDATE THE DEBT THAT DOES NOT BELONG TO ME. IF NOT TO DELETE IT FROM BOTH REPORTS. I DO NOT KNOW WHAT TO DO ANYMORE. IT HAS BEEN IN DISPUTE FOR A LONG TIME. PLEASE HELP ME, YOU HAVE HELP ME TWO TIMES BEFORE AND I THANK YOU. COMPANYT IS EMONEY USA ADD-XXXX XXXX XXXX XXXX # XXXX, XXXX, KS XXXX TEL # XXXX. 
I HOPE THIS CAN BE DELETED AND ALL DONE. HELP ME ....
Consumer complaint received 2021-09-01
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. (NJ)

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 2019