davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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: BARCLAYS BANK DELAWARE (NJ)

Hello, My name is XXXX XXXX XXXX XXXX XXXX. I called XXXX and was trying to explain that I need an address removed from my profile. 

XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX ( Multifamily ) I do not recognize the account, XXXX  it got XXXX XXXX  XXXX XXXX? They had no idea why I am calling I explained they never heard of me. XXXX claims this account is associated with a creditor and would not say who? I need help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Barclay Bank of Delaware  This account is paid and resolved and settled. They will not entertain anything to remove it. Please help! 
Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I was shocked when I reviewed and I still found multiple inaccuracies on my credit report. I have sent multiple letters to these 2 credit bureaus but never did I receive any correspondence. I have been asking for proof that these account in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, they need to remove it from credit report. I'm tracking all of the letters I have sent and these unverified accounts affects my scores badly.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Attn : Consumer Finanncial Protection Bureau My name is XXXX XXXX and I am XXXX years old. I currently work as a XXXX XXXX in XXXX XXXX, Florida. Due to the XXXX XXXX, my hours were brought to zero, as the office was unable to operate. As I do collect social security, it has been my manstay of income during this crisis. I was forced to give up my previous living quarters, and now live with a friend in a mobile home. They have allowed me to reside there for free during my fiinancial crisis. 
I have always made a effort to pay all of my bills and even during this time am trying to make the payments. ' Upon review I have a credit card debt with Capital One, and am still making monthly miniimal payments. ' I spoke with them by phone, explained my current situation and they odffered no assistance. Their professional attitude was disgusting. 
I owe a total debt to Capital One of {$2500.00} dollars, an every month pay them $ XXXX on time. 
Theycharge a rate of 27 % or {$50.00} interest after my {$100.00} payment every month. 
I absolutely begged them to establish a rational manner of getting thhe debt paid off. 
I am in a terrible financial dilemma, and Capital One should be investigated for the manner they are addressing the needs of individual like myself duriing this awful time in the world. 
The conduct of Capital One needs to be addressed by an organziation like yours, as there are using XXXX to financially destroy all who deal with them, and this is not right. 
I ask for any assisttance you can offer as this is not a professional manner of treating me or others during a horrible time in the word. 
Sincerely, Ms. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX XXXX # XXXX, Portfolio Recovery Associates, Chapter XXXX Bankruptcy I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ohio XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( 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 This is my number ( XXXX ) XXXX Please Delete Employment Data that does not belong to me : XXXX on XXXX, University XXXX XXXX
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, Online Information 's account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX account XXXX XXXX has XXXX my rights. 

XXXX XXXX XXXX Section XXXX A states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Hello I'm XXXX XXXX and I'm XXXX years old, I created a paypal account, but they permanently limited it. Telling me that I can't use paypal anymore after providing them with all of my details and SSN, I will like my account to be restored
Consumer complaint received 2021-06-06
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: Experian Information Solutions Inc. (MS)

I have contacted the credit bureaus XXXX XXXX, XXXX, Experian XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, 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. This information on my credit report is invading my privacy.
Consumer complaint received 2021-06-06
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. (MS)

I have contacted the credit bureaus XXXX XXXX, Transunion, XXXX  XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, 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. This information on my credit report is invading my privacy.
Consumer complaint received 2023-03-27
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute a fraudulent account .I am a victim of identity theft, and I this is not my account. I am requesting that you investigate this account below. It should not be on my Equifax Report. Please investigate remove this account as soon as possible. In addition, pursuant to..as a victim of identity theft I am requesting that you provide me with copy of my report once this is removed. I am a victim of your data breach in XXXX as well as XXXX data breach. 


Please remove the account below. 
XXXX XXXX XXXX XXXX XXXX This do not belong to me.. 
There is not original creditor on my profile but the account number XXXX ( It says medical but its not specific this is breaking the Hippa Law and this do not belong to me Also I have several unauthorized inquires delete. 
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the information directly with XXXX XXXX XXXX and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.
Consumer complaint received 2021-06-06
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: EQUIFAX, INC. (TX)

Upon reviewing my credit report, I noticed that Equifax was reporting a credit inquiry on XX/XX/2021 from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with Equifax. I did so and Equifax completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by XXXX XXXX XXXX  on the date mentioned. However, neither XXXX XXXX XXXX  nor Equifax could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the XXXX XXXX XXXX  system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (CA)

NCB Management Services was collecting a debt and their collection agent promised me that if paid them they would delete the collection from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid them and now I have disputed the account multiple times through the credit bureaus but NCB Management has refused to delete the account as their collection agent promised.
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

In XXXX due to an old IRS debt my accounts were frozen and I fell behind on my mortgage.In the end of XXXX I cashed out some of my retirement benefits to reinstate my mortgage. I ordered reinstatements beginning in XX/XX/XXXX. In XXXX my servicer transferred and I requested reinstatements that were not sent to me. The reinstatement requests were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When the reinstatement finally arrived I had enough to pay the arrears but not the escrow. I asked the bank 's attorney if I could pay the missed payments and enter into a payment plan with the escrow. I was instructed to contact Shellpoint directly. Upon contacting Shellpoint I was advised that I would have to apply for a loan modification. I expressed worry at this since I had been denied for a loan modification with XXXX. The reason for denial was my debt to income was 12 %, I was an immediate default and my hardship had not been resolved. I can afford my mortgage, and my accounts had been restored since the IRS freeze so I did not feel as though I was accurately denied. I was hesitant to apply again because I felt as though there is reason to believe that I would again not get a fair review. I asked if I could negotiate the fees in the reinstatement and make a full payment or if I could make a large down payment and the rest could be capitilized. Shellpoint refused to work with me. Then the CARES act passed and I attempted to go onto a forbearance where I would be able to make a partial payment and send {$25000.00} and then apply for the modification. Again, Shellpoint refused to help me.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (NY)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (PA)

THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in XX/XX/XXXXI suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Consumer complaint received 2017-12-12
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: Social Finance, Inc. (CA)

On XXXX/XXXX/XXXX, my daughter started an application with SOFI to refinance her private student loans. The rate she was quoted was high, so she listed me as a co-signer to get a lower rate. I received an application to complete as a co-signer. Once completed on line, I expected to see the new rate offered on the loan. However, all I received was a loan agreement to sign stating that I would make payments etc. When I called SOFI and spoke to a random agent, she said I could not see the rates and terms until I signed the loan agreement. She told me what the original rate was that my daughter qualified for on her own, but would n't discuss what the new proposed rates were since I had n't signed the loan agreement ( remember we are still in the application phase of this loan. ) When I refused to sign the loan agreement until I saw the terms, she suggested that I contact my daughter and have her look up the terms. My daughter discussed the terms she received which sounded reasonable so I went ahead and signed the loan agreement. However, I still had no access to the terms. My daughter signed her loan agreement and I received an email on XXXX XXXX, XXXX saying that she had signed the loan documents. I went on line to view the terms and still was not granted access. I called and was connected with a random agent and explained that as a co-signer I had the right to view the terms of the loan. The agent said that my daughter was the primary borrower and I was only there in case of default so I was not entitled to see the loan terms and documents. He suggested that I sign in as my daughter so I could see them. I am a co-signer on the loan, not a guarantor. I believe that banking regulations treat co-signers as co-borrowers and am appalled that I had to sign a commitment to pay without seeing the terms first hand in a document. Even after I signed and requested the loan documents, I was denied access. I realize SOFI is not a bank, and have contacted you to make this a formal complaint. I have had to commit via a loan agreement to a refi of a student loan of just over {$99000.00} without seeing any of the terms.
Consumer complaint received 2020-08-31
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: HYUNDAI CAPITAL AMERICA (TX)

Summary of issue : I was sent a final remaining bill from KIA Motors in  XX/XX/XXXX for {$120.00}. I paid the bill in full on XXXX XX/XX/XXXX. In late XX/XX/XXXX I noticed on my credit report of a potential delinquent account from KIA motors for {$140.00}. I contacted KIA and they stated it showed I paid on XXXX XX/XX/XXXX, but a stop check was issued on XXXX XX/XX/XXXX and they never received the payment. I asked them why they never sent a message or called me prior to reporting it as a delinquent payment. They had no answer for this. I paid the full amount " again '' plus the {$20.00} late fee for a total of {$140.00} onXX/XX/XXXX. 

The stop check issue happened because 9 months ago my car insurance and bank " XXXX '' put a stop paymnet on my monthly payments to Kia because the leased car was totaled in a storm. XXXX and KIA were working out the payment issue to pay off the car. Both XXXX and KIA recommended putting a temporary block so no more monthly payments would be debited from my account since this car was totaled in the storm, unusable, and towed away by XXXX in XX/XX/XXXX. Unbeknownst to me XXXX made that stop payment permanent for all KIA transactions, hence why the XX/XX/XXXX payment did not go through. 

I have had steller credit for decades and no missed payments, collections, etc. The KIA reporting is not indicative of my credit rating or credit history. I asked them to request to have it taken off my credit because it was a mistake, they refused. 

I have spoken to KIA about this and they deemed the late payment to be valid, although they NEVER informed me the previous payment never went through. They did not give me a chance to rectify the situation, they only reported a delinquent payment. I have asked for a call back from a supervisor numerous times over the past year and never received a call. I have contacted all 3 credit agencies who refer me back to KIA to correct the issue. KIA will do/has done nothing to correct this. My credit score before all this was XXXX, after that one missed payment which I have never had, my credit score dropped to XXXX. This cost me thousands of dollars because I bought a home in XXXX. 

KIA should have informed me of the issue before placing it on my credit report. I was never given a chance to correct the issue, nor even told they was an issue. Found out myself 3 months after the fact reviewing my own credit report, ridiculous. 

Thanks in advance, XXXX XXXX
Consumer complaint received 2021-06-06
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: Experian Information Solutions Inc. (GA)

I disputed XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX On XX/XX/21, XX/XX/21, XX/XX/21. Eventhough I have proof that they have ignored my inaccuracies turning them into violation. They have failed to properly investigate
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Digital fraud Identity theft Harassment My account has been frozen several times without warning or an alert notice Theft of debit card and funds System /systematic error that came from within bank of america According to bank of america agent my account is and has been targeted and seem to be picked up by several individuals Bank of america has unprofessional employees that are not competent to handle customer service calls and issues accurately, and at a appropriate time