davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

last year, I submitted an application to Capitol One for a credit card, but subsequently withdrew my application, and I never provided the requested documentation for the credit card, having instead selected another Bank ( XXXX  ). Recently, I received a statement for a Capitol One Credit Card account. I believe it's the first statement to be received. The balance was XXXX, but I don't even have the actual CC because the account was never formally opened. 
I called to cancel the card, and spoke with XXXX ( employee ID  XXXX ) ( XX/XX/2020, @ XXXX XXXX  ). He told me he would close the account. He clearly stated that they record calls for quality assurance purposes, but when I indicated that I also wanted to record the call, he said I was not permitted and would not continue the conversation if I was recording. After I told him that I objected to the " one-sided '' restriction, but that I would stop the recording, he continued. He confirmed he would close the account. I requested copies of the documents used to confirm that I had opened the account. He told me he was unable to send any documentation to me. When I asked for an address, he refused to give me one. When I asked if there was a balance or activity i.e. fraud ... he refused to answer, instead telling me that I'd have to submit a driver 's license, social security information and a utility bill for verification. I believe they wanted this information initially, and I declined the request at the onset. Seems to contradict the approval process for account creation. I disconnected the call.
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-08-11
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. (NY)

I have disputed with the three credit reporting agencies, Transunion, XXXX and XXXX, more than several times about the same incorrect account information on my credit reports but the agencies are not correcting the problems. I have submitted disputes online and in writing. Seems as though all I 'm getting is an automated response after a few weeks of " updated '' information '' .The accounts get changed from showing NA to collection account, or vise versa. There are collection accounts, public records and inquiries that I have tried over and over again to have removed. I 'm not getting anywhere and its very frustrating. I have even submitted documentation to the credit bureaus hoping that it will help in aiding the investigation, but again, nothing happened. There is a public record on my account from XXXX County Clerk in the amount of {$300.00} that was paid in full. I contacted WCC and asked if they could please have this removed from my credit reports and they said yes. They also mailed a letter out to me with a judge 's signature stating that the judgment had been satisfied and that they agreed to remove it from my file. I sent this to the credit bureau on at least 4 or 5 occasions but it still remains on my credit report.
Also, there is a collection account on my credit report for XXXX XXXX XXXX showing there is a charge off of {$420.00} for a credit card that they claim I had. I have also disputed this account many times with the credit bureaus stating that this account does not belong to me, the balance is incorrect, I am no longer responsible for this account, etc.! I have tried to dispute it in many ways so that the credit bureaus will look into it and do a thorough investigation but the only thing that happens is that my credit report gets updated with the same information making it look current and hurts my credit report and score even more.
I applied for a SECURED card with XXXX XXXX which stated that they will not do a credit check and that my social security number is only needed for identity verification. I get a letter in the mail a few weeks later stating that I was denied for a XXXX XXXX because of collection accounts on my credit report. I was lied to. I was told that there would not be a credit check for a secured card. I disputed this information with the credit bureaus but this inquiry still remains on my account. I have sent in documentation showing that I applied for a secured card but nothing happened.
There is also another inquiry from XXXX XXXX XXXX on my credit report that I have disputed with the credit bureaus. I have NEVER applied for any services from XXXX XXXX I live in a building that is not even wired to receive XXXX XXXX services. I have disputed this inquiry over and over and over and the credit bureaus just keep ignoring me. Please help me.
Thanks in advance.
Consumer complaint received 2021-04-26
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX  # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Uplift, Inc (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that UPLIFT, INC. has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-08-11
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. (OH)

Sent Inquiry removal letter to TranUnion after trying to contact creditors to no avail. as TransUnion told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. TransUnions customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I R Case XXXX I do not recall authorizing any of these.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

My real estate agent recommended Quicken Loans ( Rocket Mortgage ). I started working with XXXX XXXX XXXX # XXXX in XXXX of 2020. After he run my credit and evaluate my documents I was given a {$350000.00} pre approval letter and he told me I can shop for apartment and it will be an easy closing. In a meantime I was getting phone calls from their sales team on a daily bases asking me to use the letter and pick a unit. 
I finally found a unit and the seller accepted my offer. After several days I received a phone call from XXXX and I was told that my tax amount is not sufficient and they can't approve my application. When I asked why he didn't tell me that in the beginning his reply was " I was busy moving from XXXX  to XXXX  and didn't look at your file properly '' I filed my taxes in XXXX and asked QL to assign a different banker so I don't go thru the same bad experience again. I received a phone call from XXXX XXXX XXXX # XXXX who is XXXX 's director and he gave me all sort of guarantee and promises that my numbers are good and he will make sure everything goes smoothly. 
I found a condo and seller accepted my offer.The next day I was introduced to XXXX XXXX who's a purchase specialist.I was advised to go with 15 % down instead of 20 % and pay little mortgage insurance which I agreed to. 
The whole process was everything but not smoothie was hard to get answers and level of customer service is poor. Anyways I could see movement and the closing day was approaching. My lease ended on the XXXX of XXXX and XXXX told me we can close on the XXXX so I put my stuff on rental truck and moved to a hotel waiting for the next Friday XXXX. 
On the XX/XX/XXXX I received a phone call from a person who works as mediator for the company. He told me they just realized that the building savings aren't sufficient and we can't close on the deal unless I put an additional 10 % down or $ XXXX.I was shocked because that a large amount that I couldn't afford. I was told I can't communicate with XXXX or XXXX unless I come up with the funds.That person was arrogant and he didn't want to hear me out. 
The next day I was contacted by XXXX XXXX a resolution advocate for the company and she tried to smooth the things and promise me that we can work on this and she will be in touch with me. 
I was left homeless, and now the seller tried to block my {$30000.00} escrow money. 
XXXX asked me for all hotel, storage, rental receipts assuring me she will do her best to cover my expenses. 
Today she told me she conducted two investigations and she agrees that my file was mishandled but Quicken Loans can't cover my living expenses while this is ongoing.She also gave me resources in case I decide to file a lawsuit for damages.
Consumer complaint received 2019-11-02
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: AMERICAN EXPRESS COMPANY (MI)

AMEX took out of my checking account {$5900.00} when I signed up for autopay. The Authorized autopay amount was {$170.00} per month. AMEX ran the charge thru my checking account three times before it cleared by overdraft protection. I was charged by my bank {$99.00} for overdraft charges, and AMEX charged me {$28.00} per time they tried to collect this unauthorized amount.

AMEX blamed the error on their computer system. AMEX claims they can not control nor change their computer system when errors like these occur. Therefore, AMEX is highly susceptible to Cyber Security Fraud. AMEX can not control their own computer system per them ; not even on over-rides.

I want my {$5900.00} back. AMEX stole this amount from me and I did not authorize them to take this money out.

AMEX is not responding to my dispute online with them.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.
Consumer complaint received 2017-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My mortgage provider Bayview Loan Servicing. On XXXX XXXX, XXXX I made my payment of {$770.00} via their automated line. the payment was processed and withdrawn from my bank on XXXX XXXX, XXXX. In the beginning of XXXX Bayview stated that the payment was returned as a " not authorized debit ''. I was in contact with my bank and reviewed my bank statements and the money was withdrawn. I disputed it with the lending institution and was told i needed to provide bank statements as proof which I did. I have made four attempts to resolve this matter with Bayview. Each letter or call I make they request more information including several months of bank statements, requesting that I send proof directly from the Bank 's fax number as opposed to my private fax, all of which I have obliged. I went as far as getting detailed advance search from my bank detailing the payment being withdrawn, showing the ACH trace number proving that in fact Bayview did receive payment. The last call I made to my mortgage provider the customer service rep reviewed all the documentation and agreed they did receive payment and attempted to resolve my getting me over to the manager of the escalation department, the attempt was denied. The last denial of resolution letter I received now stated that the reason for the returned check is now due to a " closed account ''. I can assure you my checking account is not closed as i have made all of my current mortgage payments from that account. I have been in contact with my bank on several occasions assuring me that they have received payments. I am at a loss of words and am appalled that this situation has yet to be resolved after providing all the evidence that payment was remitted to BayviewLoan Services. This is affecting my credit report negatively as well.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (LA)

I found a problem on my report and asked for an investigation of the charges. They said I could n't use the report number I had because of security issues. I asked for my annual report and they said I had received it. Yet they refused to let me use the number because they have been upgrading security issues they have experienced. Can you please help me get a report with a number they can use?
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

I received an email indicating that I have a new message in online banking from Chase Bank. However, I've never had an account with them. So, I immediately called and a profile was located. So, I was told to call XXXX XXXX XXXX to file a claim on Monday. I called and was on hold for 2 hours and no one was able to connect me to the correct department. Please help!!
Consumer complaint received 2019-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX I consolidated my loans to navient. I just paid over the phone and paid the amount due. In XX/XX/XXXX I started to pay more than the minimum payment and always selected to have any overpayment paid directly to the principal and not advance my due date. After a few payments the option stopped appearing. Months later I noticed on my bill that they were automatically advancing my due dates. In XX/XX/XXXX I changed it online for all overpayments to be applied to my principal. I then noticed that on my XX/XX/XXXX bill I was charged more interest than I owed from previous payment. I called and they reviewed it and said they would fix it and determined it was because even tho I was making full payments my interest was not being satisfied first. The women I spoke with said she could not explain it and the accounting department would have to clarify. I asked for this to be clarified and why this was happening and for them to review my account. Even after calling again nothing ever came of it and the only response I got was that my interest wasnt satisfied and it needed to be satisfied before I could pay on the principal even tho for years I had been paying every single month and more than the amount of interest that would have built up from the previous month. Every time I call they say it will take weeks for a response so I have given it plenty of time. But they are still advancing my due date and not applying my payment to my interest first and directing everything else to my principal. I can find exact dates of phone calls but it would take some time to check back on my phone bill so if its not necessary I Don't want to waste my time. I am extremely frustrated and just want my money to be allocated correctly and for my past payments to be corrected.
Consumer complaint received 2018-09-20
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: EQUIFAX, INC. (NY)

Hello, I had my installment loans and late payments deleted by the XXXX XXXX  XXXX XXXX and now my account Is in forbearance. XXXX deleted the XXXX XXXX XXXX   off my report due to the fair credit act. Equafax deleted the XXXX XXXX XXXX off my credit also but now there back on there. I have no current balance open with the XXXX XXXX XXXX nor do i have late payments open because my account is in forbearance. I will submit proof of every thing
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Equifax and XXXX  do not honor the FTC laws related to the removal of fraudulent credit items. Equifax customer service is primarily outsourced and most do not have a clue about proper procedure. XXXX is also primarily outsourced and their staff withhold information as to why they arbitrarily choose to not block items that are supported by a FTC ID Theft report. These people do not care if your life is adversely affected by their inaction. 

I would like to sue both companies, as I have read the consumer protection laws and they are not following the laws as they are written. These entities can not play XXXX with people 's lives in this matter. Are their attorneys that specialize in this area that can litigate cases like this?
Consumer complaint received 2023-07-05
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: ALLY FINANCIAL INC. (FL)

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me. 

XXXX regards XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and XXXX, TransUnion, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, XXXX, XXXX, and TransUnion are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.
Consumer complaint received 2018-09-20
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. (MO)

The following accounts do not belong to me : XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account