davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Cap One is reporting on my credit report for a debt since XX/XX/XXXX. This debt is well over the statute of limitations. Cap One keep re-reporting debt as hard inquiry on my credit report with all 3 bureaus. Based on XXXX XXXX it was last reported on XX/XX/XXXX and was not removed as promised from Cap One. 

I disputed this error last year XX/XX/XXXX CFBP Complaint number XXXX and received the response from Cap One " The account charged off on XX/XX/XXXX, with a balance of {$520.00}. On XX/XX/XXXX, we referred this account to XXXX XXXX for collections on our behalf until XX/XX/XXXX. On XX/XX/XXXX, we referred the account to XX/XX/XXXX for collections until XX/XX/XXXX. Our records show that your account ending in XXXX was settled on XX/XX/XXXX, in the amount of {$290.00}. We understand you would like us to delete the information we reported about your account. Weve confirmed that were no longer reporting this account to the Credit Reporting Agencies. '' ( see the attached ) I should not have to suffer for inaccuracies reporting on my credit report for this debt any longer.
Consumer complaint received 2022-08-10
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. (GA)

In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

Unauthorized Macys purchases XXXX cant close checking account/ dispute XXXX XX/XX/2021 Macys account information distributed on dark web Cell ported number Fraudulent representatives/phone contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2017-08-03
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: Midwest Recovery Systems (SC)

Midwest Recovery System has fraudulently reported an account on my credit that I did not open with XXXX XXXX this year. The address of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The telephone number is XXXX. The amount that I supposedly owe is {$740.00}. This company has also been calling me daily in regards to this fraudulent account. I discovered this fraudulent account from my credit report and disputed it with XXXX. I was not able to do so with XXXX and XXXX, but I will if applicable. Please assist me in getting this fraudulent account removed from my credit history.
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I disputed with the company around XX/XX/2018. The company received my disputes on XX/XX/18.b It is now XX/XX/18 and I did not receive notice back within 30 days. The FCRA gives the company 30 days to respond and instead of a response I received a judgement in the mail on XX/XX/XXXX. I still have not received a response.
Consumer complaint received 2018-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (KY)

Applied for a loan modification with Ocwen and we were offered a three month trial plan. We made the payments every month and waited for the final agreement to be mailed to us. We hadnt received it by the XX/XX/XXXX so I called my relationship manager. She emailed it to me so I printed and had my husband sign it. We had a notary sign it and I sent it in to Ocwen. They said they never got it so I sent it again this time overnight. Ocwen received the paper work but because it wasnt stamped by the notary they denied the loan modification. So they told me to reapply for another modification. I sent in the application and they denied it within 2 days saying our circumstances hadnt changed since the last modification so the only option we had was to pay {$6900.00} or try to do a repayment plan over an eleven month period. They told me I could appeal the decision and see what would happen. Ive talked to a million people at Ocwen and most have them are really being rude with me. I finally called the ombudsmen office and surprisingly was able to talk to some American people that I could understand and they agreed to try to help me. One of them submitted a request to have the modification denial reversed but they havent given me an answer as of yet. I just want to keep my home and not be in a foreclosure situation
Consumer complaint received 2019-08-22
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. (TX)

I received a XXXX XXXX from XXXX XXXX back in College in XXXX. It was transferred to XXXX. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (OH)

Enerbank informed customers that it was transitioning away from an old website/pay portal to a new website/payment portal in XX/XX/2023. As a result, the website indicated that if the customer already had a recurring payment established, a new one needed to be created. I did this at the beginning of XX/XX/2023, for a XX/XX/2023 payment. 

However, on XX/XX/2023, my prior recurring payment AND new recurring payment were both deducated from my savings account. I called Enerbank on XX/XX/2023 to report the issue AND the representative said I had to email the company 's account processing contact! I then called on XX/XX/2023 to get an update AND they could not provide one and said they will follow their process to resolve without providing any timeframe.

This is completely unacceptable as these are 2 large payments taken out on the same day ... and the company does not feel any urgency to repay me for their error and continue to inconvenience me to try to resolve. If I was late on my payment, I would incur many fees... but its acceptable for the bank to take more money than they should have! Unacceptable... please help!
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southern Oregon Credit Service, Inc. (OR)

Contact company via certified mail to cease telephone call and all further contact to be via US mail. Valid mailing address was provided yet they continue to call DAILY. The number they are calling is not my number but a friend 's and they wish the calls to cease.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TransUnion reports that I have a student loan that does not belong to me. After I filed a dispute, their investigation inaccurately stated the loan was valid. For the dispute, I spoke with the live agent, XXXX, and was given case # XXXX. 

I've attempted to contact XXXX ( the loan that fraudulently appears on my report ) but was put on hold for over 40 minutes when I attempted to call on XX/XX/XXXX and again on XX/XX/XXXX. 

Here is a copy of the dispute report : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXXDEPT OF ED # XXXX ( XXXX XXXX XXXX, XXXX, MO XXXX, XXXX XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated; Remarks ; Rating ; Special Payment ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Co-Signor on Account Account Type : Installment Account Loan Type : STUDENT LOAN Balance : {$780.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) High Balance : {$770.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$0.00} per month, Deferred Remarks : XXXX XXXX XXXXXXXX XXXX XXXX ; PAYMENT DEFERRED XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX/DEPT OF ED # XXXX ( XXXX XXXX XXXX, XXXX, MO XXXX, XXXX XXXX XXXX XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated ; Rating ; Special Payment ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Co-Signor on Account Account Type : Installment Account Loan Type : STUDENT LOAN Balance : {$3800.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) High Balance : {$3700.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$0.00} per month, Deferred Remarks : XXXX XXXX XXXX XXXX XXXXXXXX ; PAYMENT DEFERRED 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 Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

I was issued a valid credit card by Citibank and had consistently paid my monthly payments to vis -- vis automatic withdrawal and in most cases paid more than the required amount. Due to an error by Citibank during the month of XXXX they did not deduct the automatic withdrawal and I contacted them by phone a few days later inquiring why. The customer service representative I spoke to asked if I would like to make the payment then and I said yes and did make it. Well my minimum payment due was {$59.00} a month I had increased it to {$100.00} by automatic withdrawal. 
The following week from that conversation I received a written notice indicating my account had been closed due to late payment which was approximately three days. 
I immediately contacted customer service during the month of XXXX and the representative advised the account would remain closed. So at that time I requested my automatic withdrawal payments be closed and I would be paying by check so there is no longer any errors on the part of Citibank. On Wednesday, XX/XX/XXXX when checking my bank account I noticed Citibank withdrew {$100.00} which was not authorized. 
I immediately contacted Citibank customer service and the representative reviewing my account indicated that it stated I had requested automatic withdrawal be closed along with my account however it apparently was not. 
I then requested they reinstate my {$100.00} payment that was taken in properly as I was now using a law firm to pay my payments and had already sent them the amount. 
The representative advised me she would not be able to reinstate the {$100.00} and must send it to a committee to review which would take XXXX hours. 
At XXXX hrs. on Thursday, XX/XX/XXXX realizing Citibank had not reimbursed my account I contacted a customer representative in the dispute department and explained that my money was improperly deducted and I wanted to be reinstated. 
I was told to hold which I did and a few minutes later the representative returned and stated something that I could not understand and hung up. 
This leaves me as a wreath retired veteran from the XXXX XXXX XXXX XXXX XXXX living alone receiving only Social Security with {$100.00} to feed my cat, service dog and myself for the rest of the month of XXXX since I was currently out of food. 
I'm not certain how but it appears somehow Citibank blocked my ability to contact them again.
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I sold XXXX LTC Litecoin on Coinbase at {$220.00} per LTC. I was to receive the amount of {$720.00} back to my XXXX XXXX account ending in XXXX, on XX/XX/2017. Also, on the same day, I sold XXXX BTC Bitcoin at {$12000.00} per BTC. I was to receive {$130.00} to my XXXX XXXX account ending in XXXX on XX/XX/2017. 

I have yet to receive any money to my account. I tried calling the Coinbase customer service several times, and after being left on hold for hours at a time, and being hung up on instantly, once the call gets through, I decided to take further action and contact you guys.
Consumer complaint received 2023-03-28
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: MARINER FINANCE, LLC (IL)

I ran my credit, and I notice I had a fraudulent discrepancies from a company named Mariner Finance on XX/XX/22, that I did not consent to, and have no knowledge of this account. I am a victim of fraud, and this is fraudulent activity on my credit file. I am being violated of my rights under the Fair Credit Act.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (NE)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXXXXXX 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, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

The issues I have had with Navient date back years. When I was having issues paying my loans they put me first in a forebearance, telling me it was my only option, in XXXX 2015. When they set this up they had me pay XXXX dollars a month for 14 consecutive months to correct this issue. In XX/XX/XXXX I received a call saying they did n't allocate this correctly and I now owed an extra XXXX a month. While I am out of that program now they have made moving to pay as you earn or extension of my repayment time significantly harder than I think it should have been.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (CA)

On Thursday XX/XX/XXXX on a phone call with XXXX XXXX from Quicken loans we discussed my refinance application. On that call I expressly denied permission to perform a hard check on my credit until every single other step in this process was completed. I told the banker my score and he said he could get the information he needs from my tax returns and by asking questions via email. So he emailed me later that day to obtain my tax returns and ask some of those questions. On Friday XX/XX/XXXX he performed that hard check on my credit without my permission. I believe this is illegal as I did not give permission and I actually purposefully denied him permission to do this. He has since stopped communicating with me. I have left a voicemail for his supervisor on XX/XX/22 at XXXX but have not heard back yet. Here is the banker 's contact info : XXXX XXXX XXXX XXXX Quicken Loans Direct : ( XXXX ) XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX
Consumer complaint received 2018-07-30
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: EQUIFAX, INC. (MA)

XXXX XXXX XXXX, Account # XXXX, amount {$7100.00}. I have sent Equifax a copy of Police Report and Equifax did not remove account.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (IL)

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 All of these companies have ran my credit profile, not of my knowledge. I have been a victim of fraud, and I did not consent or apply for anything with any of these companies. I have not had any service done by none of these companies. I have never called or applied with any of these companies. I believe it was fraudulent activity not knowing of my knowledge.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : 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 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Companies listed on my credit report have been disputed. They were unable to verify the account. This has been ongoing. Some have been deleted, however the same company that has been deleted leaves some of their claims in tact. The following companies have not verified any of their claims under law and continue to renew claims which are decades old in origination, inaccurate, invalid, and fraudulent which is unlawful under the FTC and FCRA. I have entered into no contractual agreements with these agencies, nor have I ever conducted business with them or authorized them to receive any of my private or personal information. Any information obtained by them has been obtained unlawfully, fraudulently, and without my consent. Anyone who receives or uses this information without my expressed written consent are doing so illegally and are in possession of articles of my identity by way of theft. 

Pursuant to the FCRA 611 ( 5 ) ( A ), Trans Union is required to promptly delete all information which can not be lawfully verified. All of my attempts to be provided with documents held on file from their company has gone ignored.
Consumer complaint received 2019-08-22
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: JPMORGAN CHASE & CO. (MD)

I try and pay all my bills on time. I need to refinance my house, but on my credit is a joint credit card that has late payments on it and has been lowering my credit score since XXXX of this year. In XXXX, my fianc accepted a preapproved credit card from Chase Bank and added me as an authorized user without my permission. According to her credit card statement, nothing had been charged to the card since XXXX of XXXX and the balance should have been $ XXXX $ XXXX {$3300.00}. The balance is now {$5300.00}. She had automatic payments withdrawn for over a year, until they started adding an addition XXXX XXXX/month of interest in XXXX of XXXX. After that, my wife had a baby and was out of work for three months. She kept paying until XXXX, but then could no longer afford the extra $ 100/month interest. After that, they also added $ XXXX/month late fees. I met with my lawyer this week and he said for her to call them and have them remove me. Chase Bank told her she had to make a payment of {$1400.00} in order to remove me. Which she clearly doesn't have. She called again today, and after being transferred all over the place for nearly an hour, she eventually talked to someone who could help her. She offered to make a payment of {$200.00} if they would remove my name. They finally agreed that they would remove my name if she made a direct payment from her bank account of {$250.00}. However, as soon as she made the payment, they still refused to take my name off the card.