davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have spent the last month trying to get Experian to correct all the incorrect information being reported on my credit report. My name, address, phone number, employment, date of birth are all inaccurate. I was told all information in my credit report is attached to a name that is not mine but even with submission of license, social security card, utility bill, DMV report, mail from XXXX they refuse to delete inaccurate information and update my credit report. Multiple representatives have told me all accounts on my credit report are attached to a name that is not my name or never been my name. Experian refuses to update my credit report and delete all negative items it is reporting even though it is all inaccurate and I have provided all requested documentation. I am unable to access my Experian credit report through XXXX or Experian directly. I am unable to lock my credit profile until this issue is resolved. I am unable to do anything and they have not fixed anything.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXX XXXX and I called them to see why they running my report and they said someone tried to get a XXXX card in my name and I explained to them that it wasnt me because I already have two XXXX XXXXXXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AAA Auto Title Loans, LLC (UT)

On XX/XX/XXXX I received an email from Cash1 LLC, claiming that I owed {$540.00}. I have never heard of this company and they are claiming that this debt has been owed since XX/XX/XXXX which was the month that someone was using my identity in order to get personal loans..I don't owe this debt because I never signed up or was aware of this personal loan that was taken out in my name with my social security number, I am aware who this individual was that stole my identity and chose not to press charges due to mental illness issues and lack of accountability
Consumer complaint received 2019-11-05
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. (TX)

Equifax is still reporting a hard inquiry from XXXX XXXX and I filed reports with all 3 major credit bureaus as well as with XXXX XXXX that this was fraud. This happened in XX/XX/2018. Someone in Alabama opened up credit accounts in my name ( I've never lived in Alabama ) with XXXX XXXX as well as XXXX stores. I got everything taken off of my credit reports so I don't understand why Equifax is still showing a hard inquiry from XXXX XXXX on my credit report.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NH)

In XXXX, a US treasury note matured and was paid into my checking account. To earn some interest, I opened an online savings account with Citibank and on XX/XX/XXXX transferred {$100000.00} to that account. Several days later I received a debit card in the mail. Not wanting to have a debit card attached to an account with a substantial amount of money in it, I destroyed the card. 

Several days after that, I received a letter dated XX/XX/XXXX saying that Citi would not open the account because of a previous banking experience. ( I have no recollection of ever having had a bank account at Citi. ) I called the help line, spoke to a woman with a XXXX American accent, and asked her to return the money to the account from which it had been withdrawn. XXXX XXXX XXXX XXXX online. ) She said they couldn't do that but would have to mail a check to the address on record, and that I would receive it in three to five business days. ( With some difficulty, we established my identity after she had texted me a code. ) I waited a week, then another week, each day expecting that the envelope would arrive. When it didn't, I called the help number again and this time spoke to a man with an XXXX accent, very hard to understand. We went through the story again and he asked me a variety of identity questions ( which address associated with, what corporation associated with, the age of an individual connected to me ), all of which I answered correctly. But he said he couldn't find the account. I asked for his supervisor, which was done, and again we went through the process with the same result : nothing could be done. 

I then called the NH consumer fraud division of the state attorney general, which advised me to file a complaint through the New Hampshire banking commission ( which I have done ) and through you. I have also written directly to Ms XXXX XXXX, Citi 's CEO.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I spoke to capitol one about my car loan during the covid-19 issue. They responded in giving me a month due to the fact I was never late or missed a payment in the 4 1/2 years of the loan. The next month I made my payment but now my account was Aau it was past due. Then it reported to all my 3 credit companies that i missed a payment and was 30 days past due. My credit score dropped 94 points. Then I called then to try to fix it and set up  to add the missed payment onto my next 4 payments. I also asked them to correct this missed payment issue and they told me to dispute it with the credit complies. I disputed it and then the following month they reported that I missed another payment. Then my score dropped another 49 points. That same month I made the adjusted monthly payment. I did what we agreed upon and they still reported me missing 2 months payments and my credit score dropped to XXXX. They continue to say they cant do this problem .. can you please help me fix this issues.. the Calls were recorded so I know what was agreed upon and I was told there would be no issues with my account! Thank you for you time and possible solution to this big problem.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

I am a XXXX XXXX with a check made out to XXXX XXXX, XXXX and a mortgage company, The Money Source. I have supplied the mortgage company with all of the documentation for the work that I have done and completed months ago. The Money Source is refusing to endorse the check without me first endorsing the check, which I will not do. There is no reason for the mortgage company to have this money. I have been in XXXX  for 18 years and I have never endorsed a check made payable to XXXX XXXX for work I have done. I have attached a copy of the check and the letter from the mortgage company. There are two checks that I am trying to get endorsed from this mortgage company. Everytime I speak with someone from The Money Source, I am given another set of instructions, I have sent them 100 's of pages of documents from this claim. XXXX XXXX contracted my company, XXXX to do emergency water mitigation work, the work was completed, XXXX XXXX paid for the work and now The Money Source will not endorse the check.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My Loan was transferred from XXXX to Mr. Cooper on XX/XX/2019, the loan No. is XXXX, I received a letter from Mr. Cooper that there will be no additional charges and same loan terms and conditions will be applied on this loan and I will get 60 days of grace period to make the payment without any penalties, so why is there a {$15.00} fee addition to my total payment?
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of America Ltd. (FL)

In XX/XX/XXXX, I became aware of an old utility bill debt I had from XXXX. The debt was from XXXX XXXX XXXX XXXX XXXX and was being collected by the Collection Bureau of America. On XX/XX/XXXX, I paid Collection Bureau of America the full balance owed of {$1700.00} ( see attachment ). The agency agreed to completely delete the collections account when payment in full was made. I satisfied that on XX/XX/XXXX.
Consumer complaint received 2019-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I signed an agreement with a private party that was renting their home as a vacation rental. That party requested a deposit via PayPal to secure the booking. I sent the funds as instructed via PayPal. Something didn't sit right with me when I saw that the funds that I was sending via PayPal to a person that supposedly lived in Arizona ( next door to the rental home ) were sent to the recipient as XXXX dollars. So, I researched the home and saw that it had sold in XXXX. I confirmed with the realtor that the person who booked the reservation with me was not the owner. I then emailed the party that I sent the funds to via PayPal and immediately cancelled the agreement ( on XX/XX/XXXX ) and per the agreement was entitled to a full refund. I also filed a complaint with PayPal regarding the fraudulent transaction. The party that was fraudulently renting the home replied to me and said he had processed the refund through PayPal and requested that I not file a dispute with PayPal since he was refunding me in full that day. Since then, obviously, I have not been refunded, nor have I been able to get a hold of the man. Also, PayPal denied my dispute request ( twice ), with the following explanation : " Unfortunately, this payment was sent as a Friends and Family payment, rather than a payment for Goods or Services. Friends and Family payments are not eligible for PayPal Buyer Protection. Going forward, to protect yourself, please send payments for Goods or Services when a shipment or service is expected. Friends and Family payments are intended to send money to friends or family, with no expectation of receiving merchandise or services. PayPal is not able to enforce a refund on a Friends and Family payment. 

We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated {$1000.00} CAD would be transferred to XXXX no later than XX/XX/XXXX. According to our records, {$1000.00} CAD was delivered to XXXX on XX/XX/XXXX. Because the transaction completed correctly as disclosed, no error occurred. '' This is a significant amount of money stolen from me via PayPal and they aren't providing any assistance in recovering it or preventing this person from continuing to do so to others. Hopefully, there is some way of getting my money back and finding/stopping the person who is behind this PayPal account.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXXXXXX bank and I called them to see why they running my report and they said someone tried to get a XXXX card in my name and I explained to them that it wasnt me because I already have two XXXX XXXXXXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Experian is the only bureau showing that a mortgage I had, with then XXXX XXXX, as having a late payment. I was never late on a payment and disputed the facts and at the end XXXX  and XXXX  fix the issue on my credit report but Experian did not. This status on my report is showing a negative on my behalf and is very incorrect. 
The problem came from a loan officer at XXXX XXXX  by the name XXXX XXXX telling me that they had a plan for the bank to take ownership along with the equality in the home without any negative to me. I was told that this wouldn't affect my credit or anything negative as long as I made all the payments up until they took ownership back which I did, if I kept insurance on it till that time, and at the end I should have a free and clear title. Me not know exactly what a XXXX was thought I would be ok. This happened in XXXX and now in XXXX I find that I'm unable to purchase a home with out penalty of higher interest rate and down payments.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (CA)

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : ( Original Creditor : ) XXXX
Consumer complaint received 2020-11-03
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: U.S. BANCORP (CA)

I contacted US Bank fraud department and they said they couldnt find the account and not to worry about it but I need to make sure that is the case. With the fraud that is happening at the XXXX XXXX I suspect this might be part of it.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services is a third party debt collector, that was contracted by XXXX XXXX XXXX to collect an alleged debt. This is a violation pursuant of 15 USC 1692a. My permission was not given. I went into a consumer transaction with XXXX XXXX XXXX on XX/XX/2021. I received a debt collection letter in the mail from Credit Collection Services, stating that it was an attempt to collect a debt. This is a violation pursuant to 15 USC 1692b.
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (FL)

I will keep this situation as direct as can be ... 

XX/XX/XXXX My XXXX XXXX XXXX was stolen from my apartment complex called XXXX XXXX  XXXX XXXX. And filed a police report with XXXX Sheriffs Office on the same day. My insurance company, XXXX, did not cover the damages due to them dropping me off the insurance plan due to me using my car for XXXX XXXX XXXX ( i.e. XXXX, XXXX  ) XX/XX/XXXX I contacted my Financial company, Santander Consumer USA, to inform them that my car was stolen and they still deem me liable for the payments ( $ XXXX/mth ), claiming that it was in my contract. Yet, they knew the car was stolen and they knew how to track it because they keep a low jack tracker  in the vehicle. 

XX/XX/XXXX The financial company seized my account and implemented a charge off towards my account, despite knowing that the car was stolen, which resulted in me riding in rentals from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I contact Santander Consumer USA to reach settlement and they tried to finesse with paying the full balance of vehicle, yet while KNOWINGLY having the location to the vehicle. 

XX/XX/XXXX I called Santander Consumer USA and gave them my police report, which solidified my case that the financial company knew where the car was located due to them have a low jack tracker  in the vehicle, same device used when a consumer leases a vehicle from a dealership. 

XX/XX/XXXX I received a phone call from the XXXX Sheriffs Office around XXXX about the whereabouts to my XXXX XXXX XXXX. And that resulted in me picking up the vehicle from a subdivision located in XXXX XXXX, FL. 

XX/XX/XXXX, XXXX XXXX, XXXX No communication made between me and Santander Consumer USA about working out a plan to fix this issue of non-payments towards the XXXX XXXX XXXX. 

XX/XX/XXXX I received a phone call from Santander Consumer USA phone client Ms. XXXX ( Emp # XXXX ) about working out a financial settlement to fix this issue, nothing was mentioned of a repossession at all, yet KNOWING about my circumstances-evidences and documented. 

XX/XX/XXXX XXXX XXXX XXXX  was repossessed unbeknownst to me, and I never gave them the address to my new place, which is located in XXXX, FL ( XXXX XXXX ). 

XX/XX/XXXX-XX/XX/2021 Been seeking resolutions and settlements from an incompetent financial service that is Santander Consumer USA, and they claim to only have one settlement which is a payoff. And as a result, the best solution for me is to let them take it to auction and pay the difference, which by that time I can just file a lawsuit and have Santander USA pay the difference for me, since they want to show their incompetence, lack of morale, and XXXX poor customer service, as well as business acumen.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second attempted to rectify my credit profile with Transunion and as a result, they again lowered my score by fifteen points with absolutely no justification. 
This is the second time Transunion lowered my credit score in retaliation.

This has to stop and they need to be held accountable.

I'm beginning to think this is not just an act of retaliation, but discrimination as well.

1. I've submitted two photo documents showing the XX/XX/2020, credit score. 
The same day the complaints were filed, and : 2. The drop in credit score on XX/XX/2020.
Consumer complaint received 2022-04-06
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optio Solutions, LLC (FL)

I was imitated as a bumbling monkey, and mocked for being honest and trying to solve the problem. The lack of professionalism and respect for what my ancestors sacrificed in order for me to be free shouldn't be minimized or disrespected
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got approved by SBA for eidl loan and they funded my account at capital one bank. But when I went there to make a cashier check to buy box truck for my business they said we cant make cashier check and we need to make sure you are qualified for this loan so they froze my account.

I called the SBA and explained for them whats happened they said the bank are not financially responsible for this loan you are.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Predatory mortgage company. 

Specialized Loan Servicing bought my mortgage about 3 years ago. My original mortgage contract states that insurance and taxes are not to be escrowed. This company has started escrowing my insurance and taxes. My insurance original contact states that insurance is not to be escrowed. My insurance is paid until XX/XX/XXXX. My taxes have been paid for XXXX -XXXX and XXXX - XXXX. This company is taking my mortgage payment each month and putting it toward escrow and accusing me of not making my payments. They are threatening foreclose. I filed a complaint with this company in XXXX but have heard nothing from them. this company has to legally follow the terms of the original contracts. I have tried verbally and in writting to get this resolved, they refuse to acknowledge my concerns. 
LLC Specialized Loan Servicing XXXX. XXXX XXXX XXXX Co. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX e-mail XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Managment has opened a debt on my credit burea report on XX/XX/2019 claiming I owe {$1200.00}. I have not received notice of this via phone nor mail. I have also reported this to the credit bureau, as well XXXX to Midland Credit Management for verification of this debt. 
I do not owe debt to Midland Credit Management, please have this removed from all 3 of my credit reports.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (CA)

I have a {$300.00} credit card from total Visa, This is my 3rd complaint about late charges, On XX/XX/2021, I was charged a late fee of, XXXX dollars. I only had a balance of XXXX. Now it's XXXX.