davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
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. (OH)

On XX/XX/XXXX a repo company tried to come to my mother 's house and repossess my car. My mother is a loan manager herself for a local credit union and works with this company so was obviously completely embarrassed and called me right away. I was told that they were coming within 24 hours to take my car because XXXX said I had not paid on it in 3 months. Long story short I have always gone through the drive through since my branch was XXXX XXXX and paid my car loan. For the last 3 months whoever was working the drive through window put my payments on the WRONG ACCOUNT. I called and was told I needed to bring proof that I had paid. I got my bank statements and printed out the cancelled checks and took them in. They never apologized and acted like it was no big deal. I told them I needed a demand letter stating exactly what happened ( this is in my BBB complaint ) and for my credit score to be wiped clean ( it had significantly dropped due to these fraudulent " missed payments '' ). I was assured of all of this. After filing a complaint with the BBB, someone called and said that they still had no idea why my payments went into the wrong account ( so now I have to worry every single month when I go in to pay ) and that my credit report was fixed. Just looked at my credit report and it is fixed for XX/XX/XXXX payment fur XX/XX/XXXX payment is still showing missed and my credit score is still significantly down. I 've still never gotten an explanation or apology from the branch and my mother being a loan manager is appalled at their business practice and I 've asked for a credit multiple times and have been ignored. Why are they able to benefit off of my money and go on with their " business '' as they 're wreaking havoc on my life and causing me unwarranted stress. I need my credit report wiped clean of this immediately, and once again feel I should get some sort of credit to my account for all of this.
Consumer complaint received 2015-08-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PMAB,LLC (VA)

I was billed on XXXX/XXXX/15 for the ER doc who saw my son XX/XX/XXXX. The initial insurance payment left me owing a balance of {$520.00}. After talking with the insurance carrier - XXXX at the end of XXXX, the insurance company reprocessed the bill, because it was initially coded wrong, and the entire bill should have been covered. I let the ER physicians billing office know and they said they would put a hold on the bill and indicate it was being reprocessed. I got a collection letter XX/XX/XXXX for the {$520.00}. After calling my insurance, I learned they paid the full amount on XX/XX/XXXX electronically and it cleared with bank on XX/XX/XXXX. The ER doc 's office ca n't find a record of this, but I have the EOB and the draft number of the cleared insurance payment. They wo n't communicate with the collection agency to let them know it is being researched. I 've called the collection agency. I 've been told that the {$520.00} was my " deductible ''. This is n't true. I have also provided them with a copy of the EOB. I continue to get calls from the collection agency, despite providing proof to payment to the ER physicians via the EOB.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was sold a counterfeit watch via website XXXX. Private seller sold watch thru this website. I have provided proof ( in form of photos, as well as verification from watch manufacturer of this product being counterfeit ) of the fraudulent item to the CC company & XXXX. 

Now the CC company says documented verification from manufacturer, as well as a submitted report to law enforcement, will NOT remedy this situation.

I am victim of crime ( across State lines- watch shipped from PA to FL ), and I have been asked to provide proof, which has been submitted, to no avail.

Please help. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CONVERGENT OUTSOURCING-XXXX-Balance {$1200.00} CONVERGENT OUTSOURCING, INC.-Balance $ XXXXDate Opened : XX/XX/2020 XXXX
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (MA)

GOOD AFTERNOON/ HAPPY FRIDAY! - I was shocked when I reviewed my credit report again during COVID-19 and found late payment on XXXX AND XX/XX/2018, plus your reporting wrong balance as current, where i was told that it would be deferred and put in the back of the loan : I am not sure how this happened, but i also checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, this account continues to report incomplete information, such as wrong balance, different late remarks on different bureaus, not the same month, inconsistent payment history, etc. This can not be accurate and I really don't want to waste any time going back and forth. This account is unverifiable and wants it deleted from my credit report.
Consumer complaint received 2020-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

GOOD AFTERNOON/ HAPPY FRIDAY! - I was shocked when I reviewed my credit report again during COVID-19 and found late payment on XXXX AND XX/XX/2018, plus your reporting wrong balance as current, where i was told that it would be deferred and put in the back of the loan : I am not sure how this happened, but i also checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, this account continues to report incomplete information, such as wrong balance, different late remarks on different bureaus, not the same month, inconsistent payment history, etc. This can not be accurate and I really don't want to waste any time going back and forth. This account is unverifiable and wants it deleted from my credit report.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SUNRISE CREDIT SERVICES, INC (TX)

This is a formal complaint that SUNRISE CREDIT SVCS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (AL)

I recently just tried to purchase a house and was denied because of unauthorized inquiries on my credit report and its stopping me to aquire credit which means its stopping me for buying a home this matter has been stressful and depressing I am now homeless and need these inquires off my credit report Inquiries : 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
Consumer complaint received 2020-09-18
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. (PA)

I have an account that was with XXXX XXXX and sold to Midland credit with an estimated balance of $ XXXX filed for bankruptcy chapter 7 case # XXXX on XX/XX/20. I filed a dispute through XXXX  as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the XXXX XXXX XXXX guidance in the Credit Reporting Resource Guide or I will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-08-07
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: TD BANK US HOLDING COMPANY (TN)

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to to apply for a Target account ; the account was established and Target contact XXXX XXXX and he verbal confirmed the account was openedXX/XX/XXXX fraudulently. Target was then officially notified in writing of this fraudulent activityXX/XX/XXXX via certified mail with a return receipt of the dispute information. A credit report was obtained shortly after that dispute and Target was still listed as a negative account ; at that time the CFPB was notified CFPB complaint ; D FOR COMPLAINT SENT TO TARGET CREDIT CARD XXXX  XX/XX/XXXX ; however no communication from Target to our client was ever made. As of this morning a credit report from XXXX still lists this Target account on the credit reoiort, This is now a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to experian, XXXX, and XXXX, to remove account : CHILD SUPPORT ENFORCEM under account number : XXXX.
Consumer complaint received 2020-05-05
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. (IN)

I'm filing an official complaint with the 3 major reporting companies, " XXXX, Equifax, and XXXX ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX # 2.  XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX  XXXX XXXX # 5.  XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX  XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX XXXX XXXX
Consumer complaint received 2020-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am attempting to refinance my primary mortgage. 
I had a XXXX through Bank of America on my primary mortgage. I have paid it off and closed the BofA XXXX. However on my credit report there is another BofA XXXX  showing " open '' with a different account number. 
We have tried to call multiple times to deal with this. Hold times have been in the hours to wait and speak with someone. On XXXX we called BofA and they said they would mail a letter of closure. Never arrived. The account still shows open. On XX/XX/18 we called and the person said the account number was not valid, and then said she would transfer me to someone who could help. Instead she transferred me to XXXX XXXX. I suppose that's funny. 
Additional ways to contact them are through a secure email on their web site. However that tool does not work. 
As it stands I still have a open account with a lean on my title. 
I am attaching a payoff letter with proof of payment via wire transfer, and a supplemental credit report showing the open account with a different account number.
Consumer complaint received 2018-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

Complaint I filed was never addressed in XX/XX/XXXX. It shows complaint still open.

I can't pay my student loans. My Health is bad.

I nearly XXXX XXXX XXXX in XX/XX/XXXX due to XXXX ( XXXX ) and the XXXX is slowly taking over my life. With the XXXX of my father in XX/XX/XXXX, I do not feel I have anyone to talk too, no one to provide me the advice that I feel I need to try and move forward with my life and more specifically my financial life. The following is a list of difficulties that I have been facing over the past 2 + years : Student Loans of {$600000.00} o Public Loans {$240000.00} o Private Loans {$360000.00} Home Loan of {$250000.00} o My home is now in foreclosure My spouse has been out of work for 2 + years My father was XXXX  by a XXXX - XX/XX/XXXX o He had No Life Insurance & No Medical Insurance My mom needs my help My mom is XXXX My mom is losing her house - XX/XX/XXXX I almost XXXX from XXXX ( XXXX ) XX/XX/XXXX I had a XXXX  XX/XX/XXXX I have XXXX XXXX of XXXX  Bankruptcy cant help with either private or public student loans I feel as though I have lost control of my financial future. I have lost control of my life. I really can use your help on the issue of student loans. I sure hope that you have a chance to read this note. I need you more than ever. I pray for your continued success.

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union ( NFCU ) website has published refinance rates that appear to welcome you ( teaser rate ) to apply for a mortgage loan. In the comments below they add another 3/4 % to the rates if your current mortgage is not with NFCU. I have been a member for many decades and it does not make sense that as a current member I have to pay more to use a credit union service. 

Spoke with customer service twice and basically my impression was that management made the decision to tack on this additional cost mid XX/XX/2020. 
I understand that NFCU is busy with providing services but as a current member they want me to pay more than someone who is not a current member. 

This is information in quotes that NFCU has on its conventional mortgage website : " Rates displayed are the as low as rates for purchase loans and refinances of existing Navy Federal loans. Rates for refinance loans where the existing lender is not Navy Federal are subject to a 0.750 % higher rate. '' I don't believe this aligns with the fair lending act and feels a bit discriminatory. 
NFCU is excluding current members with mortgage loans elsewhere from enjoying/benefiting from the interest rate under a refinance. NFCU is excluding a large group of members from refinance since the added fee makes the cost higher. 

" Disparate Impact A lender 's policies, even when applied equally to all its credit applicants, may have a negative effect on certain applicants. For example, a lender may have a policy of not making single family home loans for less than {$60000.00}. This policy might exclude a high number of applicants who have lower income levels or lower home values than the rest of the applicant pool. That uneven effect of the policy is called disparate impact. ''
Consumer complaint received 2019-05-30
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. (AZ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2021-07-18
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: CITIBANK, N.A. (MN)

Part of my identity was stolen. I never opened the account below. It does not even link with my Home Depot account. It showed up when I received a notice of drop in my credit line from XXXX XXXX. I am in the process of disputing this account. Also, I never received a bill so it was not linked to my home address or email. 


THE HOME DEPOT/CBNA # XXXX ( XXXX ) XXXX XXXX XXXX Corporate Place XXXX XXXX, SD XXXX Loan Type : CHARGE ACCOUNT Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Date Updated : XX/XX/XXXX Payment Received : {$0.00} >Maximum Delinquency of 120 days in XXXX {$380.00} and in XX/XX/XXXX for $ XXXX Pay Status : >Account 120 Days Past DueDate< Terms : {$170.00} per month ; paid Monthly Date Closed : XX/XX/XXXX
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (MA)

I was shocked when I reviewed my credit report again during COVID-19 and found late payment on XXXX and XX/XX/2020 where i was told that it would be deferred and put in the back of the loan : I am not sure how this happened, but i also checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, this account continues to report incomplete information, such as wrong balance, different late remarks on different bureaus, not the same month, inconsistent payment history, etc. This can not be accurate and I really don't want to waste any time going back and forth. This account is unverifiable and wants it deleted from my credit report.
Consumer complaint received 2019-05-30
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: Experian Information Solutions Inc. (AZ)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc. (TX)

Upon receiving my background check I was informed that my name didnt match my social security card. I have proof that this wrong ; since my social security card has the same name as the one given for the background check.
Consumer complaint received 2018-07-15
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: AMERICAN EXPRESS COMPANY (NY)

Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Amex XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX