davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I received a letter, on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating they are collecting a debt that doesnt belong to me. To the best of my knowledge, I have never had a Capital One credit card, other than being an authorized user on my wifes account ( which I havent been, in around a year ), and her account is in good standing anyway. 

Ive tried calling the number on the letter head, with no success. This is the first time I am even hearing of this situation, but the letter states they have been trying to contact me for years. 

After a little research on this firm, it shows that theyve only been in business since XX/XX/XXXX, so they couldnt have been trying to contact me for years. Also, there are numerous complaints of them being a scam. They use very aggressive tactics, belittle, cuss, and so forth. I will not subject myself to that. 

I do not want this bogus claim to impact me, financially. We are in process of trying to buy a house, and something like this could hurt that.
Consumer complaint received 2019-03-06
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: EQUIFAX, INC. (TX)

Equifax dont get XXXX in on this false inaccurate credit maniplation by this alleged furnisher i give you promission to investigate the enclosed matter and show proof of payment receipts in writing and all documents requested if not remove this account
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, XXXX # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2019-03-06
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. (OH)

I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX  # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VIA XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and Great Lakes, my loan servicer to update the record but it has not happened.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

XXXX  along with XXXX  and Equifax are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.
Consumer complaint received 2018-01-26
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. (GA)

1. I contacted Experian in XXXX of 2017 about items on my credit report. 
2. According to federal law, credit reporting agencies ( Experian ) must verify with the original documents that debts belong to me. 
3. I asked Experian via four different letters to verify my accounts with original documentation. They have not provided original documentation to verify accounts. 
4. Experian has not followed federal law and has not removed negative items from my credit report.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX along with Experian and XXXX are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.
Consumer complaint received 2018-01-26
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. (TX)

I have filed a police report the following accounts are still on my Experian Credit Report. 

XXXX XXXX XXXX Account # XXXX Payment Status Charge-off Past Due Amount {$23000.00} XXXX & XXXX Account # XXXX Balance {$2200.00} In XX/XX/2017 I spoke with a Experian representative regarding my situation. The representative advised me to get a police report as a supporting document regarding the accounts. I went to the XXXX Police Department and retrieved a full police report. On XX/XX/2017 I faxed and mailed the police report to Experian to remove the accounts. Accounts have been charged off and they are negatively affecting my credit report by reporting it as late and has been transferred/sold to collection agency. I do not have this vehicle. In addition, if you singularly or severally fail to comply with the above requests I reserve the right to seek damages and legal suit against all parties, under all available State and Federal statutes and XXXX XXXX remedies.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report, with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii XXXX Please delete all other personal information, including all employers, addresses I can no longer receive mail or any correspondence from, and I have no access to any of them, which in some cases could lead to identity theft. Please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is showing incorrect information on my credit report. I tried to dispute it through their website and it wont let me login. I can log into my online account but every time I go to the dispute center it tells me to login when I log in it says incorrect login in information. Its the same information I used to log into my account. XXXX XXXX XXXX XXXX is reporting my account with them with a balance of {$570.00}. This is inaccurate, I am enclosing documents from XXXX XXXX XXXX XXXX that proves the balance is only {$500.00}
Consumer complaint received 2021-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

called bank to inquire about rates, then they ran a credit inquiry & called it a mortgage application, but I never made ANY credit application of any kind. I called them & told them I saw their mistake. They promised to remove it from my name & sent me a letter detailing that it is their mistake & that I never made any sort of application. They said it could take up to a month for it to disappear from my credit report. It has been 1- 1/2 months & it's still there, on my record. I want it removed.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

EOS CCA XXXX XXXX XXXX XXXX, MA XXXX reference # XXXX This company is trying to collect a debt from me in reference to a XXXX XXXX bill of {$190.00}. I have never used or setup a service contract with XXXX XXXX. I have come across this issue because of checking my credit report and see this listed under collection accounts.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I viewed my credit report in XX/XX/2024 and noticed my credit report contains outdated addresses as well as misspelled and inaccurate names that are not associated with my current residence or identity. This misinformation could potentially impact my creditworthiness and pose a risk of identity theft.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

On XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX that my mortgage was being transferred To XXXX XXXX XXXX In XXXX, Colorado. In the letter I was told that SLS would be contacting me about my new account number and other account information. On XX/XX/XXXX, after not hearing from them, I called their customer service line and spoke with a representative. She assured me by the end of the week I would receive that information and she gave me my account number for payment purposes. On Wednesday XX/XX/XXXX, after not hearing from them, I called again and was told by a customer service representative to sign up online on their website to obtain this information easier. Later that night, I filled out all the information but when I out in the last 4 of my social and the account number they provided me I was told it was invalid. On Friday XX/XX/XXXX, when my mortgage was due, I called their automated line, entered the last 4 of my social and the account number they provided me and was once again told it was invalid, I called and a customer service representative told me I could pay over the phone with a debit card or a check with a routing number. I refused telling her if their system said my account number was invalid where would my payment go., So here I sit, willing to pay my mortgage to somebody, but not being allowed to by a company you have had several thousand complaints filed against but still allowed to do business like this. Thanks to that, several thousand honest, hard working people are having their credit destroyed, their houses foreclosed on and being out through undue stress. Shen will the government hold this company accountable for their unsavory and illegal business practices?
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been reported to the credit bureau for 1 late payment over 30 days due to a yearly membership fee of {$59.00} THAT WAS DUE ON XX/XX/XXXX allthough this credit card has been paid in full since XX/XX/XXXX. 
I have authorized XXXX on several occasions to deduct minimum payments automatically from my bank account. 
I spoke with the rep at XXXX and they verified that they have all of my correct banking info. On file however, the automatic payment was never generated and therefore they have reported negative information on my credit bureau.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Kohl 's is saying I submitted the same payment three times. Yesterday when I checked my Kohl 's Charge Account, there was ONE pending payment of {$27.00}. I then submitted a second payment of the rest of the balance because it only showed I had ONE pending payment of {$27.00}. Now they took that amount out of my account THREE times and refuse to give it back to me until all the payments are processed and I have basically " overpaid '' them. Now, I can not even get into my account because the website is saying " The site you are trying to access is currently unavailable.

We're sorry for any inconvenience this may cause. '' I find it very unethical the way they accept payments! If they are going to tell me I submitted a payment three times, then it should show accurately in the payment screen so customers don't get manipulated into paying more than they need to, or they simply take out more money than you authorize which is so illegal. I have tried contacting them twice. The first time I talked to a supervisor and apologized for the system glitch and they would send me a check as soon as everything posted. The next representatives were VERY unprofessional and putting all the blame on me saying that they see three payments and they don't understand what I'm saying. I told them all I only submitted the payment ONCE and they are saying I didn't if it's showing three times!! I keep a spreadsheet of my budget for 6 months at a time to keep track of my bills and I am very responsible at paying them on time and knowing how much to pay. So not even your call centers are telling me the same information..one says system error and the other fully blames me. Excellent customer service ....

The girl on the last phone call assured me that she only sees one pending payment of the remainder of my bill. I will be filing a police report if that charge comes out three times too!

I can not believe Kohls is doing this to its customers! I'll find somewhere else to shop and cancel my account after this is all figured out.
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: STATE EMPLOYEES CREDIT UNION (NC)

I lost my job twice ; once in XX/XX/XXXX and again in XX/XX/XXXX. During this time, I struggled to make my monthly car payments and fell behind by 5 months, total. I spoke with the XXXX, North Carolina State Employees Credit Union and they asked that I keep them updated on my re-employment status. I kept in contact with them and let them know when I was re-employed. They informed me of the outstanding balance, which was about {$2100.00}, for my vehicle and that re-possession would be implemented after my loan was delinquent for 180 days. I asked if there was anything that I could do to put off the order, but XXXX, the SECU representative informed me that there is nothing that could be done to help me. Following the discussion, I saved enough money to pay the full balance. Once I paid, XXXX sent me a letter, stating that my car loan status was current and noted that the next payment was due on XX/XX/XXXX. I made my car payment on XX/XX/XXXX in the amount of {$450.00}. I woke up on the morning of XX/XX/XXXX and my vehicle was not in my driveway as I left it on the night of XX/XX/XXXX. I spoke with the bank on XX/XX/XXXX and they said that the amount quoted to me earlier did not satisfy my loan. I asked why was this not communicated to me. I satisfied the amount that she quoted. She added that I would have to pay the repossession fee of {$370.00} plus a daily storage fee of
Consumer complaint received 2021-06-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

PHH Mortgage Services is in violation of the CARES Act, RESPA, and FDCPA. 

PHH Mortgage Services has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX in direct violation of the CARES Act. Because the federally backed mortgage is stayed from foreclosure actions, there is no excuse for the actions of this servicer. 

In addition, PHH mortgage services has completely ignored a previous Notice of Error issued on XX/XX/XXXX, and is currently in receipt of another Notice of Error which it received on XX/XX/XXXX. PHH can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. I have not even received any statements from PHH since XX/XX/XXXX, and I have not been in bankruptcy during any of this time. 

When the servicer receives the Notice of Error within 7 business days of the sale date, they absolutely must cancel the salethis is the law. We have attached the signed certified mail receipt dated XX/XX/XXXX, which proves that the servicer is in timely receipt of the Notice of Error. 


Please see attached letter with attachments.
Consumer complaint received 2019-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

To my knowledge, I was never late on my XXXX student loan with account number XXXX**** ( Opened XX/XX/XXXX ), 7XXXX**** ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ), XXXX ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ). But I realized that I was reported as being 120 days past due in XX/XX/XXXX and 150 days past due in XX/XX/XXXX which is not true because I was supposed to be in deferment but then I got current right away. And then I was reported as being 90 days past due in XX/XX/XXXX when I had already processed my paperwork to consolidate my student loans which was finalized on XX/XX/XXXX. 

I have had student loans since XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Consumer complaint received 2015-04-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

Called the credit card company to inquiry on account number, after being explained that they couldnt give me the number i said i wanted the account closed and the associate asked to confirm the closure for which i didnt give an answer to since i was doubting myself if i should do it. after a nasty attitute from the associate, i was going to say to leave the card open and she said she had closed the account already without giving me the chance to confirm my choice or giving me the required the disclosures. i found out later that i needed to reapply again and have another hard inquiry on my credit in order to get the card again.
Consumer complaint received 2019-03-06
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 (FL)

I have been reported to the credit bureau for 1 late payment over 30 days due to a yearly membership fee of {$59.00} THAT WAS DUE ON XX/XX/XXXX allthough this credit card has been paid in full since XX/XX/XXXX. 
I have authorized CAPITALONE on several occasions to deduct minimum payments automatically from my bank account. 
I spoke with the rep at Capitalone and they verified that they have all of my correct banking info. On file however, the automatic payment was never generated and therefore they have reported negative information on my credit bureau.
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc. (CA)

On XX/XX/2019 I received an alert from my credit montioring stating a new collections has been added to my XXXX. I noticed it is from XXXX. The company simply placed the item on my credit report and never sent me any notice. This is the first time I am hearing about this debt and it lowered my score 24 points. This is a text book violation of the Fair Debt Collections Practices Act And The Fair Credit Reporting Act. I am requesting that XXXX be investigated, please no phone calls communicate in writing only. 

XXXX XXXX is also a possible contact for XXXX XXXX I have attached the trade line that simply was inserted without any notice of any kind.