davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one XXXX {$0.00} balance Status current Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Hello On numerous occasions over the years, I have inquired with Ocwen in regards to my P & I Payments being improperly applied to the account. 

The reason I have been told by the servicer that I have an adjustable rate mortgage so they can not send me an amortization schedule. 

The interest rate is incrementally being raised ( 4 ) times in which it is quite simple to send along the amortization schedule. In XXXX the rate was 3 %, then in XXXX it went to 2 %, then in XXXX it went to 3 %, and XXXX it is at 4 %, with the final rate change in XX/XX/XXXX to 4.375 %. I have had the P & I interest applied most recently on XX/XX/XXXX {$460.00} ( principal ) & {$790.00} ( at 3 % interest ), on XX/XX/XXXX the Principal payment was {$490.00} and interest was {$580.00} at ( 2 %. rate ) I have all the documents showing that the p & i rates have been all over the place. 

The only actions that were taken by you or the company, are a letter saying they can not provide me an amortization schedule?
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2020, I authorized a purchase with XXXX XXXX for {$3000.00}. On XX/XX/XXXX, I realized it was the wrong item and purchased the right item. I called the merchant on XX/XX/XXXX who assured me that they would cancel the XX/XX/XXXX transaction. They never cancelled the transaction. So I returned the item and was credited XX/XX/2020. 
In my anger with the merchant for not canceling the first transaction, I declined delivery on the 2nd order. The order was sent back to the merchant with their XXXX  Tracking # XXXX There were 2 debits and one credit from my Capital One account from XXXX XXXX in XXXX. There should have been 2 debits and 2 credits. 
I tracked the declined delivery shipment and it says returning back to sender. I called XXXX to find out if this was a glitch but they refused to give me further information, saying they could only provide information to the shipper. If XXXX  does not have their package, they will need to call XXXX. 
I filed a dispute with Capital One in XXXX trying to get my money back. My initial claim was declined because the claim rep disputed the amount that was refunded. I filed another dispute with the same result. 
It is extremely frustrating as it appears Capital one is not taking the time to read the notes or go through the transactions. The lack of attention to detail and alarms me and I want no further involvement with them.
Consumer complaint received 2020-10-21
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also  included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX   XXXX {$3600.00} XXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXXXXXX   XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2017-09-11
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 submitted a complaint through this portal ( XXXX ) in regards to XXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I want to file a complaint against Experian Credit Reporting Services. I have off and on subscribed to Experian Services to obtain free and monthly reporting services to provide monthly credit reports from all 3 major credit bureaus Experian, XXXX and XXXX. 

My wife and I moved from XXXX  to XXXX  last year and had several inquiries on our personal credit as we sold items in XXXX  then purchased new items in XXXX. Understandable our credit was pulled several times which we understand impacts our credit. I personally have been in financial services for over 25 years so I understand how multiple inquiries can negatively impact your credit. 

My issue seems to be a systemic issue with the difference in what Experian shows as my credit score with what a local credit union shows as my score when they pull my credit. I researched thoroughly with what a bank or credit union requires when it comes to credit scores for certain products. I rely on Experian and my {$24.00} monthly subscription to provide an accurate credit score for myself and my family to make sound financial decisions based on the credit score provided. 

Recently I applied for a HELOC with the understanding that I needed a XXXX minimum credit score. As of today my credit score with Experian Credit Subscription showed a score of XXXX. The credit union provided me the credit report as of yesterday showing a score of XXXX. I would have never applied for the HELOC if I would have known my credit score reflected a XXXX vs the XXXX score Experian showed. 

As a consumer I find it necessary to bridge to gap with what Experian Credit Services shows as my credit score vs what banks, credit unions, credit card companies and any other company that makes a credit decision based off the information provided from one of the major bureaus to be accurate. Major decisions and peoples personal credit are impacted by the amount of inquiries and information being reported as accurate from the Credit Reporting Services provided by Experian and other agencies. 

Why the difference between what Experian Credit Services reports with what banks see when they pull your credit from a pure scoring perspective? I see this as a deceptive practice on the part of Experian. The data they report from their Credit Reporting Services is garbage and not accurate to say the least,
Consumer complaint received 2020-10-21
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. (PA)

XXXX XXXX has things on her credit profile in-accurately reporting. We reached out to the Experian credit bureau on XX/XX/2020 and sent out another 30 no response letter on on XX/XX/2020. Neither letter has given a response. I have evidence for both.
Consumer complaint received 2020-10-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WA)

Prior Case # XXXX ( Held by NationStar according to XXXX ) was not properly closes out. 
That lender must complete an " escrow close '' out in order for a refinance of my current loan that is with XXXX. 

FHA Resource Center regarding a closeout repair escrow reference number for a call to them is XXXX.
Consumer complaint received 2019-10-28
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. (NY)

AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER XXXX, EXPERIAN OR XXXX  HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc. (TX)

Company sent me a collection letter mid XXXX XXXX, 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX University and I have no knowledge of this account.
Consumer complaint received 2020-10-21
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. (PA)

After checking my credit report I found out a few accounts which ate not mine.I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX   XXXX {$3600.00} XXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX   XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2017-08-07
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: SYNCHRONY FINANCIAL (AK)

received mail from Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX mail stated I had applied for a credit card, which is false. This is either a fraudulent application in my name, or a scam by the bank to get me to give them information. The phone number for return calls in the letter is XXXX. It is not possible to speak to a human at that number. The letter does not ask whether I did in fact apply for a credit card. The letter does not provide any route for having the cc application flagged as fraudulent. This is unacceptable.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXXXXXX XXXX XXXX XXXX settled a class action lawsuit and I was one of the consumers that was included in this XXXX XXXX. This company switched financing partners and new accounts were opened without consent of the consumers and it affected my credit negatively. I was not properly warned about the effect that this change would have on my credit. Learning of this made me very upset that this happened and contacted to company to close the accounts, I owed no balances at this time. After finding out that this company began to report the old account and new account as negative, I called them again and told them to remove the inaccurate fraudulent information from my credit report as I had not ordered anymore merchandise due to me learning that my account was switched. My request was never granted and I have been disputing the accounts for almost XXXX now. This company ignored my pleas to investigate more into the breach of my account even when I told them that I didn't received anymore items from their company and that the last item that I received from them was completely paid off. This has left me in an XXXX XXXX  and very XXXX. The negative impact has been affecting my credit for far too long and is being reported multiple times. This company also violated my rights to privacy by selling the fraudulent debt to another company with my personal information attached, while still reporting damages to my credit report. According to XXXX XXXX XXXX Laws, there should not be damages on my credit report as it is a deformation of my character.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MI)

to whom it may concern : on XXXX dates in early XXXX, XXXX, the service known as XXXX, which i had been using for years, charged a credit card on file ( strictly for the purposes of service fees/ tips to workers ) for the full order. 
in both instances, i had already completed the process of selecting a preferred card, also on file, via a XXXX step selection/ pinpad confirmation. 
when the backup card was selected by their system to fund the entire bill, i was taken aback & contacted XXXX immediately. 
to no avail. after dozens of operators, it was suggested i take it up with my bank, PNC. 
which i did, filing multiple reports and spending XXXX hours on the phone with their operators. 
fast forward 5 months. 
PNC have recovered {$71.00} of the {$190.00} total. 5 months... 
now PNC report, in one call, that 'substantiating documents were not received ', so 'there was no investigation ', but also that they were able to recover the above noted {$71.00}. using the substantiating documents submitted ( by me ). please, i hope you will agree, that PNC can not both have, use, and close a dispute, with documents ( letter from me detailing the fraudulent transactions ) they also simultaneously could not use to close another part, having 'never received them ' ... 
this would be a multiverse occurrence, and i dont believe we are all on the same page as to how that might work... 
in any case its all based on one document, and therecan be no doubt as to whether PNC received it/ worked with it.

to summarize : my bank failed to protect my account from unauthorized charges, and then failed to pursue a just outcome when put in touch with the vendor originally at fault. 
PNC are to date stating both that they received no supporting documents from me, and congratulating themselves that they did, indeed, close the case using supporting documents supplied by me. repeatedly supplied, as PNC repeatedly claimed not to have received anything from me ... despite confirmation emails and hardcopy letters from them at every step. at this point its very much not to do with money, though i am on welfare. whats shocking and provincial/ XXXX XXXX is XXXX multimulti XXXX dollar corporations, who present as 'service providers ' 'communities ' are simply working with XXXX another to preserve capital/ reputation. 
after XXXX hours spent in conversation, i will pursue action to bill at my hourly rate : i am not here to provide free training for inept 'phone operators '. as protracted and convoluted as this has become, i suppose the exercise is invaluable ; XXXX couldnt possibly invent such a ridiculous desperate attempt to hoard pennies at the cost of client experience... 
and perhaps future revenue? 
these matters dont tend to stay in the dark, nowadays, do they. 

thanks for listening. 
please be touch. 

XXXX XXXX
Consumer complaint received 2023-01-27
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: CORELOGIC INC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS is in violation of CA Homeowner Bill of Rights, in violation of CA regulations governing real estate, acting in bad faith regarding real estate and illegally attempting to grossly inflate a property for the purposes of attempting to foreclose on my home. At issue is a short sale request that has been submitted. SPS is demanding a full payoff which can not happen in a short sale so that is a violation of CA Homeowner Bill of Rights which requires lenders and servicers to work with  homeowners to avoid foreclosure. 

Second, SPS is attempting to use an outdated broker price opinion which is a violation of CA regulations regarding evaluating properties that state those types of reports are only good for 90 days. 

Thirdly, SPS is completely disregarding comps that show properties that are completely move-in ready being valued at the price they say my property is worth. It's not. My property has significant damage and in disrepair, as evidenced by docs attached. 

SPS is acting illegally, stop them from breaking the law. Stop them from illegally inflating property values to act as a foreclosure mill. Stop them from taking advantage of people during a worldwide pandemic and setting foreclosure sale date during foreclosure moratoriums. ILLEGAL