davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
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. (WI)

I am wondering why on more than one occasion I have applied for a loan and have received multiple hard hits on my reports when they are for the same loan and suppose to count as one hit and are counted as up to as many as 7 hard hits.I don't understand how it is ok for them to put people 's credit in the trash like that.The end of last year for a refinance is one occasion and even had the same bank count as I believe 4 hits on each report for a loan.Most recently I bought a truck last month and took 7 hits on one report alone.
Consumer complaint received 2020-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I currently and have had for the last ten years a Capital One 360 checking account which advertises a 0.50 % APY on all balances. The actual interest rate is 0.005 %. I have contacted the bank multiple times regarding this and have been given numerous excuses and invalid explanations. 
The bank advertises a much higher rate than is being paid in their T.V. ads, on their Billboards, direct mail flyers and website. This is very deceitful and misleading towards consumers and should be corrected immediately. All checking and savings accounts included a legally binding contract between the bank and the consumer which can be enforced in any court by any judge and this is a breach of any such contract. 
Consumers should be aware of this because they can invest their money in other places including other banks that will pay the promised rate. The bank should be more honest, forthcoming and transparent with its customers and consumers ( not just the criminals and their affiliates ) and this behavior should not be tolerated because it opens the door to criminal activity and bank fraud both internally from the bank and externally from its affiliates. 
This complaint is supplemental to numerous other complaints which I have filed against Capital One and other banks as a violation of the Sherman Act, Antitrust laws, and consumer privacy and protection laws.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (PA)

When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of XXXX or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

I had an account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, first reported delinquent XX/XX/XXXX and written off by the company in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX purchased the debt. I was not aware of this until recently checking my credit report. They are reporting the date the account was opened as XXXX XXXX, XXXX and continue to report delinquency up to this month XXXX XXXX. I have disputed this several times with the credit reporting agencies and they are doing nothing about it. This debt is being reported incorrectly by XXXX XXXX XXXX as the debt is too old to show on my credit report. I called the original creditor, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX to confirm the dates and they stated the debt was too old and should not show on my credit report by XXXX XXXX. Since I am getting no help when trying to communicate with the credit reporting agencies, I am filing a complaint with the CFPB. I appreciate any help you can give to correct this issue.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I was a victim of Identinty Theft and had numerous inquiries, accounts opened in my name and wrong information on my credit profile with XXXX, XXXX and Equifax. Several of the accounts that did not belong to me were already in collections and reflecting on my report. At the advice of my attorney, I filed a police report showing that these accounts did not belong to me. Then I proceeded to dispute them with all credit agencies and provided the police report. Within 30-60 days both XXXX and XXXX deleted all accounts not belonging to me. Equifax removed several accounts with the exception of XXXX in collections which I have desputed several times and they still report on my Equifax profile. I have called several times and they claim the information was verified with the creditor. However XXXX of the other accounts they did remove was with the same creditor. I questioned why that account came off and the other XXXX didnt if they all belong to the same creditor. No one would give me a clear answer and simply suggested I submit another dispute. I have been dealing with this issue for 8 months and I am not getting anywhere with Equifax and they can not explain to me why XXXX and XXXX verified the same info and confirmed these accounts dont belong to but they cant do the same. This is causing undo stress and it is preventing my family from qualifying for a home loan.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IN)

I was due a small refund from my Indiana state taxes and due did n't file for it due to the small amount involved. Apparently the Indiana State Department of Revenue put a black mark on my credit report indicating I had not paid my taxes, when actually they were paid in full on time. When I found out about this I went ahead and filed the tax return requesting my refund which the state then sent me. Now however, I ca n't get them to take the negative off of my credit report which incorrectly states I did n't pay them {$2700.00}. The money was taken out of my regular paychecks and was never overdue. I believe the State has now corrected their records to show this but still needs to remove the inaccurate negative information from my credit report. They did remove it from one credit agency but has declined to remove it from Experian. I think someone has made a mistake here and would be much obliged for any assistance in getting this straightened out. Thanks for any help.
Consumer complaint received 2024-01-25
Product: Credit reporting 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (WA)

Synchrony did not confirm with me that they moved my account to e-billing.

My wife became XXXX and I was in the XXXX with her for almost a month. My wife almost XXXX  from a severe case of XXXX caused by an unknown XXXX.

After returning from the XXXX, I quickly got our finances in order.

I found out a few months later I had a balance on a synchrony account I opened and they reported the balance late. I asked why the billing was done digitally and the representative told me I consented. I asked for proof which they couldnt provide.

I was close to closing the account but realized I had established cash rewards which the rep threatened that if I closed the account, I would lose all the cash rewards.

I paid the balance and after a long XXXX XXXX, finally emailed the office of the president. They insisted they wanted to address the matter and asked I call them. I tried calling multiple times and emailing, but after a few emails of acting like they would reconcile the matter, they stopped responding and never replied to my calls and emails.

To this day, it is the only negative mark on my credit. Not only did I not give consent to the e-statements but they used the cash rewards to threaten me to not close the account.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I dispute the following accounts below on XXXX XXXX, 2015 and XXXX XXXX, 2015 directly with Experian and they failed to mark these accounts as in dispute. 

There are two possible violations here of the Fair Credit Reporting Act. 

1. They ignored my dispute and failed to conduct a reasonable investigation. 
2. They contacted the furnisher of the inaccurate information and failed to mark the account as in dispute. 

XXXX XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2018-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MO)

I tried to get a modification from Caliber Mortgage. I believe they intentionally stalled so that I could not get the modification. I gave them all of the information they asked for. They said they resended the foreclosure XX/XX/XXXX. And because I did not submit certain documents ( And I did ) they presumed the foreclosure. I was never notified about the XX/XX/XXXX foreclosure. They did not do things correctly. If you look on the previous complaint and their response you would see that they said they resended it in XXXX.Yet, they sent me a letter saying they did it in XX/XX/XXXX, and XX/XX/XXXX. ( All confusing ). I am very upset about all of this. They really never tried to help. If it was foreclosed in XX/XX/XXXX I should have been notified before XXXX. Please look in to this situation for me. My husband passed expectantly, they know about it and I believe they are taking advantage of me in my weakest, and during my time of bereavement.
Consumer complaint received 2022-09-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian continue to report an address on my credit report that I have never lived at. I have disputed this address and Experian will not delete them off my report or show proof that I lived at this address. 

They are reporting the following address. 

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
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report from TransUnion lists my name ( XXXX XXXX XXXX ) and a name that I have never used : XXXX XXXX. The name XXXX XXXX first started being used by collection agencies calling me about 12 years ago. I was never told what company had employed the collection agency, but the name was passed around to differenct agencies, and I always said I have never been nor am I now XXXX XXXX. The calls have stopped, but her name appears on TransUnion report. XXXX has XXXX addresses which were never my address : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, NY XXXX. I believe these addresses may have belonged to XXXX XXXX. Please remover the name XXXX XXXX and the XXXX incorrect addresses from my credit reports.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Billing disputes — 
Company: KEYCORP (NY)

Key Bank does n't have legitimate credit card customer service. I 'm missing a credit for XXXX on my statement, and do n't know why, and they 're not able to legitimately explain as to why they 're are several debits and credits on my account and where are they coming from. My letter I was supposed to get got lost in the mail or something or they never sent it. It 's XXXX credits for XXXX for XXXX XXXX XXXX XXXX, and XXXX for XXXX from XXXX. They should at least be able to proactively explain why the charges were n't reversed and why you should legitimately received a credit. But I just keep getting transferred between disputes and customer service and nobody seems to care that the proper adjustments that needed to be made as well. A complaint has been submitted at the customer service level and corporate level, but they need to look into this issue and get it resolved ASAP
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX ( collection agency ) reported a debt from XXXX XXXX XXXX. ExperianXXXX deleted it. Now XXXX XXXX ( a different collection agency ) is reporting the same debt from XXXX XXXX XXXX and they refuse to delete it again. Also the debt is being reported TWICE on my credit report for the same amount and interest.
Consumer complaint received 2021-10-03
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)

XXXX XXXX CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH XXXX AND XXXX XXXX THWY XXXX CLOSE DISPUTE AS RESOLVED AND UPDATED ... XXXX ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH XXXX  XXXX LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD WHITE FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (NY)

I am receiving numerous robocalls daily asking for a person who is not known to me. I have received 31 calls in the last 20 days ranging between XXXX and XXXX. It is very annoying. The caller ID shows Navient at XXXX which I believe is a debt collector. The calls are recorded messages. 

I wish this to stop.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (TX)

This situation Is causing me much pain and suffering. I have been trying to apply for new apartments for my family to live in and the information you have posted on my personal consumer report is causing me to be denied roof over my children head. I have been so stressed and was even XXXX recently for because of the stress you are causing. 
This is my third attempt to have your company make this right. I have had no choice but to file a cfpb complaint to settle the matter appropriately. I received you're correspondence regarding my request for validation of this alleged eviction that you " verified. '' However, in the corresponding communication I did not receive any supporting or justifying documents from you nor the rental company as requested in my initial communication to you. 
Please SHOW me EXACTLY how you verified this alleged eviction. Both the documents and the process. Pursuant 15 USC 1681, you are required by law to communicate this with me within 15 days if requested. This is my now my thirdhand final request at attempting to gain clarity on this erroneous insertion. If such documents are not produced within 15 business days please delete this from my consumer report. 
I am fully prepared and willing to file an official complaint against your company with the, XXXX and the attorney general if you are purposely relinquishing my federally protected consumer rights under the FCRA. 

XXXX XXXX
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

On XX/XX/2020 I submitted a loss mitigation package for review for a loan modification. I called weekly and submitted supporting documents as requested. I have attached my original submission including the bank statements and income documents that were submitted. On XX/XX/2020 I received an offer for a repayment plan that has a payment larger than my total monthly income. I have also attached that plan. The same day I received that unaffordable plan I submitted an appeal regarding their decision. Appeal is also attached. I called to check status of the appeal and was told it was being worked on. On XX/XX/2020 I called Fay and spoke to XXXX ID XXXX who said the appeal was not being answered. I then sent in a research request asking for clarity regarding the loan and how it had been handled. This is also attached. On XX/XX/2020 I received a letter that said my appeal is denied and did not respond to my other questions. I called Fay and was told there was no more research being done on this file. I was served during the foreclosure moratorium in Florida, I was unable to get any COVID assistance, my interest rate is 7.25 % however my paystubs show my affordability capacity. I would like Fay to respond to the questions I have about my loan. Thank you.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (SC)

Halsted debt collector calls me 10 times a day. The phone rings and they hang up after I answer. I use this line for business and it happens repeatedly. I have to call them before they will talk to me. I have asked them to remove this number and cease to call it, but it is continuing to happen.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have reported multiple inaccuracies on my credit report. Each time I have shown proof and it is claimed by XXXX XXXX to be accurate however, after months the account still is reporting inaccurately on my credit report. There is numerous violations and this will be my last attempt before getting my consumer law attorney involved.