davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
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 CONTACTED EXPERIAN ON 3 DIFFERENT occasions infoming them that I am a victim of identity theft. yet they are still continuing to state that the following accounts have been verified. Yet Im not understanding how because neither company could verify with me nor show any contract bearing my signature that proves any legal obligations that I have had with either company. The following companies are a result of identity theft XXXX in the amount of {$980.00}, XXXX XXXX XXXX is the amount of {$1300.00}, XXXX XXXX XXXX in the amount of {$1800.00}. These accounts are a result of identity theft.Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (FL)

I seem to now have to issue 's, so I 'll begin with the first ( this will lead up to the second ) ... Around XX/XX/XXXX or XX/XX/XXXX if this year I notice my mortgage was not reporting to XXXX, but was reporting correctly to XXXX and XXXX. I contacted Ocwen Loan Servicing and ask if they would report my account to XXXX. The representative replied to me that they report to all four major credit reporting agencies. I was instructed to fax to them proof they were not reporting my account. I faxed over to them all the required information to prove my case. Now I do n't want to make this real long so please understand that for months I 've gone back and forth with XXXX and Ocwen to get this resolve. As of today, it still not showing with XXXX. On XX/XX/2016, I spoke with XXXX and transducers me to inform Ocwen to get the person that works for XXXX and handles their account to get involved. I fax a written request to Ocwen asking them to speak with the liaison the have that works for XXXX to correct this. I still have not heard anything back from them as of today. Now this brings me to my second issue .... I went online to bring up my account with Ocwen to get their phone number and call them to get an update. I notice my name was different on the most updated statement and on there website page. My name has always been correct and written on all documents as : ( I 'll write it later ) the missing part on my current statement is XXXX And on their website, rather XXXX on it, it has an!, not sure why these changes are and if this is legal. I 've received no notice to legal change my name, by them, on any document 's nor have I ever given any approval for that.
Consumer complaint received 2023-01-28
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. (CO)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX , CO XXXX ; XXXX XXXX XXXX XXXX XXXX , CO XXXX ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OH)

CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP (TX)

Sunday Morning ( XX/XX/17 ) I went to deposit my money into the local ATM at Bank of Texas at XXXX XXXX XXXX. I do not have an account with Bank of Texas, but the ATM is partnered with my online XXXX bank account. The ATM malfunctioned and took all of my money. I lost {$1000.00} in that machine. XXXX wo n't help because they said there 's no transaction/deposit/withdraw to dispute bc the ATM did n't finish the transaction. Bank of Texas wo n't help because I 'm not a customer there. My money is there. No one will help me. Please help me bring awareness to this. I 'm desperate for my hard earned money back. I also have a error receipt stating the machine malfunctioned attached.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been trying to pull my credit report from Equifax credit reporting agency since XXXX XXXX, XXXX. I am also a paying customer of their monitoring system that I pay every month. This is a service that I was told that was unlimited at any time. I called on XXXX XXXX, XXXX at XXXX XXXX and was on the phone for 2 hours and did not get any results. I also applied for credit with XXXX XXXX on XXXX XXXX, XXXX and was told by the creditor that they were unable to get a copy of my credit report. I also applied for credit with XXXX and was also denied due to no credit report on file. This is a violation of my rights and I have tried to resolve this matter and has been very unsuccessful with this matter. I was told that my credit file is too large. This company previously has taken accounts off my credit and added accounts that were derogatory back on my credit file. These are medical bills that was found not to be mine.
Consumer complaint received 2022-09-08
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. (CO)

On XXXX I sent Equifax XXXX XXXX XXXX and XXXX each a letter challenging multiple inquiries all on the same date of XX/XX/2022, that I DID NOT authorize. None of the bureaus were unable to provide a signed document proving I requested credit from any of these companies. These need to be removed immediately from my report, they were not initiated by me. 

I've included the original letters that were sent to the bureaus, as well as the list of the inquiries from my credit report that are fraudulent.
Consumer complaint received 2017-08-17
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: EQUIFAX, INC. (FL)

Back in XXXX of 2017 I ordered a free copy of my credit report for Equifax, XXXX, and XXXX before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries Equifax 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX acct XXXX 2. XXXX/XXXX XXXX Card acct XXXX 3. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

BoA opened a credit card in my name to a party in Washington State ( I reside in Michigan ) Shortly after opening this account, I received calls to my personal cell phone from BoA about fraudulent activities on this unauthorized account. I received " welcome to BoA '' letters at my home in Michigan. It seems obvious to me that BoA knew full well they were opening an account and issuing a credit card fraudulently. If BoA ( with whom I 've never done business ) had access to both my cell phone # and my home address, it seems only reasonable to assume somebody there knew this was n't proper. I have suffered no financial loss, but has required a lot of my time to contact credit bureaus to clear my name from this mess.
Consumer complaint received 2019-10-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle and Cookie Mortgage LLC (GA)

XXXX and XXXX are two of the most incompetent duo in the mortgage industry. they totally botched my loan and caused me to loose my property, Ernest money and my appraisal fee. the easiest part of doing a loan is supplying a customer with a preapproval letter, XXXX miscalculate my income and gave me a preapproval letter and for 4 months XXXX never checked behind him to verify that his work was accurate. so in the mean time im looking for properties and putting down Ernest money. when i found the property i wanted they had me pay for an appraisal and set up several closing dates with my realtor and attorney only to come back and say that due to there mistake and there error that we could not do the loan. i supplied them with all my financial information in the beginning, so there was no change in in my finances to warrant me not getting this loan other than there miscalculation and negligence. even after XXXX admitted to it being there error, he would not refund my appraisal fee or my earnest money. these are some shady and elusive characters, and i was suppose to by law receive a letter from them telling me why my loan was denied and i have never received that due to the fact that it was due to the negligence and they dont want that in writing
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have been paying on the loan for years, and noticed that as I have made payments, they have not been paying to the loan options I wanted to. when I contacted them, they said htey would correct it. I had to call back at least for 3 months in a row for them to readjust how I requested to have my loans scheduled. They also started, out of the blue, posting all my payments to one loan, and none to the others, causing me to get fees. I had to call them each month to make they repost the payments to the correct loans. I also talked to them about how I noticed my interest is not going down on my loan. I have made substantial payments to the loan to get them paid down, and it looks as if the interest amount has not changed as much. This year alone on one of the loans, I have paid over 3k, and my interest has only gone down by approx {$5.00} ( loan started at a little over 7k at the beginning of the year and now is paid down to about 5k. after arguing with them for over a year, I started paying using thier website and forcing it to pay towards the loans of my choosing. after looking thru the payment history, it looks as if the interest is still not posting correctly. I do n't know how to calculate it or to tell for sure, but it just does n't look right. whenever I call to ask them, they can not explain to me how it is calculated. I will be glad to send you any information on my XXXX payments that you want.
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (PA)

I ( XXXX XXXX ) have sent numerous letters to Wells Fargo Bank, to have them remove derogatory remarks placed on my credit reports. They have shown no proof of verification of debt. My letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) have been ignored or told ( via letter ) by their credit management, they are working on a response. They are in violation of both the FCRA ( including but not limited to ) 623-b, and the FDCPA ( including but not limited to ) 807-8. My last dispute notice dated XX/XX/XXXX was not responded too, ( via letter stating " that they were working on a response '' ). I again, sent them notice of my complaint being reported to the CFPB. This is my last attempt, to have Wells Fargo Bank, remove it 's derogatory remarks immediately. My next course of action will include a civil complaint file in court. Thank you.
Consumer complaint received 2020-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Good Evening, my name is XXXX XXXX. I am writing you this evening to let you know that I have contacted Credit Acceptence Corporation today to see if they will be willing to work with me due to currently not working due to the Cornoavirus. I have stated to the  lady that I go back on the XXXX of XXXX because my job is opening back up then and I will be able to make my payment once I receive a pay check. I have had my car now since XX/XX/XXXX the 2019 and I currently pay XXXX per month. They are not willing to help me and frankly they were very cold hearted. We are being forced not to work right now due to the Cornoavirus. Can someone please help me? Thank you. Sincerely XXXX XXXX
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore has referred my home for foreclosure my loan was securitized and place in a trust where XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the alleged trust. The assignment are fraudulent and robo sigend and they were conveyed after the cutoff date of the loan trust, they have refused to work a modification on my loan, i dispute the said balance and i do not believe that Rushmore or the trust name herein are the rightful party of interest in this matter. I have removed the power attorney from the borrowers waive of rights in XXXX XXXX records and Rushmore/ XXXX Trust do not have permission to foreclose.
Consumer complaint received 2017-08-18
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 (MI)

About a month ago I called Capital One to increase my credit line. My credit card has a credit limit of {$2700.00}. I wanted the amount to be increased to {$3000.00}. I called and asked the representative if I get a credit increase will this be a soft hit on my credit or hard? Since I have been with Capital One is it possible to receive an increase on my credit card. The representative tried to increase the credit and I was denied. He then told me that I could apply for another card. I did not want another credit card at the time I just wanted an increase. I did apply for the credit card and was approved for a credit limit of {$3000.00}. I have 2 concerns with this issue. The first is that I only wanted the credit increase for {$250.00}. I was denied and this went on my credit. Then I had to apply for another card and was approved but the interest rate is 26.99 % which is ridiculous. I now have the second card in which I really did n't want but I am responsible for it now. The interest rate when applied to my card is {$60.00} in fees. If I pay {$30.00} a month which is what is asked by Capital One for this second card I am not even making a dent in the paying for the card. I would like the fees and APR lowered.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (UT)

So there cutoff time for the payments on the due date is XXXX et on the due date they do n't care about anyone on the west coast i ended up paying my payment the same day its due but i work until XXXX et and by that time the payment is already considered late even though its always paid on the same day i am have been fighting with them for the last couple of years on this and they do n't seem to care several calls and emails to the corp offices and they could care less how could they mark a payment late when its still paid on the same day its due its not my fault the computers have a cut off time the point is its still paid on the same day. I talked to XXXX in the corporate offices today and he could care less about the sittuation and we are talking in Circles and that is the way it is. They need to make it later so people in the west coast have time to pay it this is a literal XXXX XXXX pacific time cut off how is this ever fair. And Barclays customer service is very very rude and they could care less about there customer s and whats going on I have made serveral complaints and this rude and arrogant XXXX who is part of there excutive team is the last straw and convice me to make a complaint. There customer service is the worst i htave ever seen and they all need an attitude adjustment especially the excutive offices. There cutoff time for payment s are unacceptable and should not be allowed.
Consumer complaint received 2019-10-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: WELLS FARGO & COMPANY (SC)

I went to XXXX XXXX XXXX in XXXX sc XXXX on XX/XX/XXXX. I went for an oil change but decided to trade in my car instead. I told the salespeople what I was looking for ( a bigger car and to lower my current loan ) I got both, but here 's the issue. During the sale, they kept showing me the price for the car, fees, etc. They never personally talked about or went into detail with the single paper of the final price ( including the APR ) the process at the end was being rushed. I ended up trading my XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles for a XXXX XXXX with XXXX miles. I was expecting at least XXXX off my current loan. ( Oh and the salesperson XXXX guaranteed me at least XXXX for my car ) I got XXXX. His excuses was " I was thinking of a different model '' I went back before 24hrs looking to see if I could get a different vehicle, they told me they couldn't do anything because the paperwork was already filed with the bank. I called the bank and when I was asked to enter my ssn it wasn't on file. I understand I should of read my contract but I feel I was being misled through the whole process. I only got XXXX off my old loan with a vehicle with more than 2x more mileage!
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANCO POPULAR DE PUERTO RICO (FL)

I applied for and received a XXXX XXXX XXXX Credit Card from Banco Popular Puerto Rico with an established credit limit. I paid the annual membership fee for the card. I was able to utilize the card for approximately one month without a problem. I tried utilizing the card for the purchase of XXXX tickets ( It is after all an XXXX XXXX XXXX Credit Card ) and the transaction was denied, with all payments being current. As soon as I received the first statement, the account was paid in full. However, I was told the account was under investigation and asked to submit a copy of my drivers licence water bill AND electric bill. I have never had to submit water and utility and driver license to a card issuer after the plastic has been issued to any other credit card. This seems like a scam to utilize private information The account seems still locked and another payment ( not yet billed ) for all outstanding purchases was made. I have tried calling the issuer on repeated occasions and asked to understand what the issue was and why the account has been blocked. The drivers license water bill and electric bill were submitted to the issuer more than two weeks ago. When contacted the issuer once again, the representative told me that the account was being investigated for no reason and further told me that they could not furnish the information to me about my account. When asked to talk to a supervisor, the representative XXXX XXXX told me that was not possible and that there was no way the bank would tell me what the situation was. However, thee bank was efficient in collecting the annual fee for membership. Once again, since no information has been provided, I question the integrity of the bank, the co branded airline, and the intentions with consumers.
Consumer complaint received 2019-10-25
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.