davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (IL)

When I send in my payment and payment coupon with extra money to be applied to the principal, my mortgage company applies the entire amount as additional principal and NOTHING to my monthly balance, resulting in late payment notices and penalties. Im currently paid through XX/XX/2019 and Im being told I still owe for XX/XX/2019. I have talked to them 7 times and followed their instructions twice and still have this problem.
Consumer complaint received 2021-11-04
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: BARCLAYS BANK DELAWARE (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (VA)

I obtained a loan for consolidation. According to Mariner Finance I defaulted on my loan ( My history does not show a default and is attatched I never received notification of any default aside from the warrant in debt ) my loan is secured with a car shown in contract. As a remedy for the alleged default Mariner Finance issued a warrant and debt for the full balance. ( again because I did not have an actual missed payment ), Mariner continued the warrant in debt out from XX/XX/2021 until XX/XX/2021 stating even though my account was in default they wanted to be sure I made one time payments in XXXX the case was dismissed. During this time I contacted the office several times to inquire about why my account was referred to court and was told in order to get my account out of court my only remedy was to re-borrow and close out my current loan or repay the full loan. Since this time my credit report has been coded as a collections account under legal remedy and closed causing denial for rental homes. Attatched is the account status displayed to me which shows Active there is no indication of default or collections. I only knew of the case still being continued in court because I called once I received a copy of my credit report. Myself and my XXXX children will be XXXX due to this companies antics to force me to re-borrow or pay in full. Please help me this company is deceptive. I never received any notices of default other than a warrant in debt for the full balance which i was told by Mariner Finance would be dismissed because I didn't owe a monthly balance and my account is current all the records I have supplied are downloaded straight from their website. This company is abusing the Credit bureaus and legal system and must be stopped!
Consumer complaint received 2018-02-07
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. (UT)

I am disputing a Chapter XXXX Bankruptcy that is on my Credit Report. I do not recall filing a Bankruptcy on XX/XX/2012. I have contacted the Federal Bankruptcy Court in Arizona and the letter I received back ( see attachments ) does not confirm the bankruptcy belongs to me and also states they do not furnish information to the Credit Bureaus.
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (AZ)

XXXX XXXX XXXX and their Attorneys Rausch and Sturm have repeatedly been supplied with the attached reports repeatedly. They have ignored them and continue to threaten me both via the US Postal Service and by phone. They have repeatedly lied to both the CFPB and state officials. It has to stop. 

These identity theft and police reports apply to all identity theft debt INCLUDING the three XXXX  XXXX  that XXXX XXXX XXXX and Rasuch and Sturm have tried to collect on : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-29
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-23
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-10
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: Consumer Portfolio Services, Inc. (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I applied American Express XXXX XXXX and Delta Sky miles Platinum Credits card. After I spent enough money in my credit cards in 90 days. They refused to give my rewards. Different CSR said different reasons. But after three month, I didn't get any notification about refusing my welcome bonus. They said that my account declined my bonus on the first week. But I don't know at all. I tried to contact them many times. But no one can give me a real reason. Also, I don't have pop window at all when I applied my credit card.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies MIDLAND CREDIT MANAGEMENT INC Account NumbeXXXX 15 U.S.C 168 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AR)

COMENITY CAPITAL BANK XXXX XXXX WAS NOT LISTED IN BANRUPTCY, BUT OTHER CARDS WERE. THIS ACCOUNT SHOULD HAVE BEEN PAID IN FULL BY ACCOUNT ASSURE BECAUSE OF I.D THEFT CLAIM.
Consumer complaint received 2021-01-29
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. (LA)

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.
Consumer complaint received 2021-11-09
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)

XXXX, XXXX, AND TRANSUNION ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX  Opened XXXX {$500.00} XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} TRANSUNION PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER XXXX NOR XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX Opened XXXX {$650.00}
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX at XXXX I made a call to Capital One about settling my account balance which lasted 20 minutes and 18 seconds. 

I was told the balance was XXXX and would need to pay XXXX to settle the account. I provided the representative with my card information and asked if I still had access to my online account to view the changes. I was told I didn't and that the account would be updated. 

Shortly after I received a letter from Capital One dated XX/XX/XXXX saying I made a payment and my remaining balance was {$79.00}. I called in to ask why the letter said I made a payment and not that I'd settled the account, to which I was told, it would update to the correct status in 30 days. My credit report reflected a {$70.00} something balance as well. Neither updated. 

On XX/XX/XXXX I received a notification from XXXX that my account from Capital One reported a late payment for XXXX, after the account was settled for the amount of {$290.00} as it does now. 

I have called 5 times since then and street clicking through the automated system I get the message that the office is closed ... at XXXX XXXX? Not likely. I've been working to build up my credit and this is doing the opposite.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (CA)

I have been in count with Direct Recovery about a credit card debt inwhich I am unable to make payments without a job and looking for work. In explaining this to the representative this morning on XX/XX/20 at XXXX : he goes on to tell me how shameful I am for being out of work for this long, and then hung up the phone.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (IA)

Binance.US will not verify my account. I am unable to withdraw any money from my account until my account is verified. I have submitted all the required documents and have heard nothing. I followed up by opening a ticket on their online support system and got an automated email.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Have tried numerous times beginning in XX/XX/2017 to seek help with keeping my home through Keep your home California only to be stonewalled by Bank of America as they ask me to apply again and again. I have done so and provided any and all info they requested and done everything they asked only to, be denied again. I am newly divorced and on XXXX but do have income required. I am beyond Exasperated. I believe they are trying to force me to give up my home aka short sale. Help
Consumer complaint received 2021-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I have been working for the same company since XXXX, which is considered a qualifying employer under PSLF. I was employed full time as a XXXX XXXX XXXX XXXX and was told that I should put the loans on forbearance during my residency, and I know now that that was bad advice. I started paying my student loans after I got my first full time job out of residency in XX/XX/XXXX, the first payment was in XXXX. I made 17 payments total towards the PSLF program before getting another full time job in XX/XX/XXXX. When I got this new position ( the program I currently work for ), I filed employment verification and was told my payments do not count. The position was for 32 hour/week with full time benefits. I was told that because the company does not consider me " full time '', I can not count my payments. The company gives all employees working more than 30 hours/week full time benefits, and the PSLF " full time '' definition is more than 30 hours/week. I still work for the same program now, and have changed positions recently but still work 32 hours/week. My original loan amount was roughly {$90000.00} and the most recent loan information states I have paid over {$150000.00} in loans and interest. It is not fair that I continue to suffer with these payments. I have started a family and have continued to serve the vulnerable population through my work and get penalized for this technicality.
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (FL)

Equifax currently reports inaccuarte inquiry : XXXX XXXX XXXX south east on XX/XX/2020 without my permission. This is illegal and a violation of federal law. 

Inquiry : XXXX XXXX  XXXX XXXX XXXX ; did not award any credit or loan, inquiry as no permissable cause. 

This reporting violates FCRA rules sec. 1681
Consumer complaint received 2021-01-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We have applied for the PPP loan with Bank of America. The person reviewing our application is mishandling our application and keeps rejecting it without specifying the reason for rejecting it. We have attempted to contact the group that handles PPP applications with BOA but they are not getting back to us. This person is wasting our opportunity to receive the funding because of his/her mishandling of our application.
Consumer complaint received 2022-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received notification from XXXX that my credit score dropped. I immediately went to check my score. I saw a mark against me from Bank of America For {$61.00}, I was Immediately alarmed. I have never had a Bank of America account, checking or savings, let alone credit. I have never applied for a Bank of America credit card. I never had to I am an XXXX XXXX card member. I called Bank of America immediately and was told there was a credit card opened in XXXX of XXXX, and the annual fee was delinquent as of XX/XX/XXXX, I told the representative that I never opened this account, had no knowledge of it until I received Transunions email and am extremely alarmed. The rep immediately closed the account after asking me a series of questions and told me, the credit bureaus would have to contact them to confirm the account was fraudulent. I did as instructed and filed proper disputes. Today I got a notification from XXXX stating the account is accurate. I am Not sure where the disconnect is but it needs to be rectified immediately. I have worked extremely too hard my entire adult life to have amazing credit for it to be jeopardized for a {$61.00} annual fee for a card I did not open.
Consumer complaint received 2022-04-29
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. (VA)

Equifax Account Upgrade I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction. 

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NJ)

Hello. I ordered a jacket for my daughter from mackage thru affirm for {$680.00}, XXXX was supposed to deliver it and get a signature from me. However no one knocked with a package, I stayed home from work and waited and no one never came. I went to get a police report that still was not good enough for them. They seen that I didnt sign for anything and they still didnt side with me. I dont know what else I can do. Please help.
Consumer complaint received 2018-10-17
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: STATE FARM BANK, FSB (GA)

I am requesting that State Farm Bank remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by State Farm Bank. Please remove this fraudulent account immediately from my XXXX  credit report.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After receiving the feedback from Capital One Auto Finance, I have spoken with the company and the General Manager there at XXXX XXXX XXXX XXXX, XXXX. He has advised for me to request that your company sends him an email directly and he states he will vouch for me that this is not my account. His email address is XXXX. I will also be faxing over the police report to you guys as well once I am able to, I have been diagnosed with XXXX as of yesterday.