davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

My mother has a VA Loan. During the pandemic she filed for a forbearance under the Cares Act. We were told that there were plenty of work out options. We were told Rocket would work with us. Nothing has been further from the truth. With less than 30 days until her forbearance ends- they have not sought any work out options. They have only demanded a lump sum payment. This is a violation of the Cares Act and two VA Circular Notifications. XXXX XXXX XXXXXXXX XXXX XXXX XXXX As well as the partial claim program : XXXX XXXX XXXXXXXX. On XX/XX/XXXX - XXXX was told by a gentleman on the Accounts Resolution team we needed to pay the lump sum. I inquired after receiving a certified letter in the mail on XX/XX/XXXX. The gentleman was not aware of any of these regulations and stated he was not a lawyer. This was stated after asking about the two VA Circulars. Why Federal Law did not supersede any arrangement they say my mother agreed to ( which she did not agree to a lump sum payment ) She did not! 

On XX/XX/XXXX - we were told that our forebears be wasnt under the Cares Covid Act and fell under hardship. The cares act states direct or indirectly affected. My mother could not get a part time position with everything closed in our small town. She was also an at- risk patient at that time. To this date Rocket has not offered a partial claim - even though we qualify under VA guidance and Cares Act. Each time I call- they also try to state I am not qualified to speak on the loan when I am - intentionally making it difficult to work with them.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: OneMain Finance Corporation (CA)

I went to file for a loan. but when I look at why ot denied it says all my information is corrsct amd veriified except my name.. But it is correct so I got alot of inquiries saying my name was wrpng so I got denied
Consumer complaint received 2020-10-28
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. (MO)

The following accounts do not belong yo me. In the past i have been a victim of identity theft inwhich left my credit file compromised. In the past I had request the Method of Verification inwhich you find this accounts true and just know as a general rule electronic Verification is not a factual statement of facts. Also via the rules stated within the FCRA once an account is established from identity theft then the accounts shall be removed. Therefore, I'm demanding the immediate removal of the following accounts. Please block and remove ; 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-09-18
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)

I called XXXX XXXX Cap on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, I did n't get a response nor did they help me.
Consumer complaint received 2020-10-28
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: EQUIFAX, INC. (MO)

The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts. 

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX  XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX XXXX {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Attached is a credit report as of XX/XX/XXXX. XXXX claims that Charter One/FM account is no longer affecting my credit score and this is not the truth. On XX/XX/XXXX there was a negative hit on my account on charter one/fm after no activity on this account for over 7 years. This account should have been removed and no longer aloud to affect my credit. This account went delinquent in XX/XX/XXXX and was charged off in early XXXX which can be viewed on the credit report attached. After over 7 years of no activity the same account can be seen charged off again in XX/XX/XXXX after no activity for years. This did not make any sense and has still not been explained by XXXX. This update and negative charge off in XX/XX/XXXX affected my score and XXXX  is reporting that I have had a late payment on this closed account in the last year. If an account has been closed for years how can I have made a late payment in XX/XX/XXXX? I have not made any late payments in over 7 years, but XXXX  is reporting my credit file with late payments in XX/XX/XXXX. This has not been explained to me and this has affected me greatly during this pandemic.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

AN ACCOUNT FROM COMENITY BANK EXPRESS WAS OPENED ON XX/XX/2017 IN THE AMOUNT OF {$300.00} DOLLARS. I HAVE TRIED TO WORK DIRECTLY WITH THIS COMPANY SEVERAL TIMES ASKING FOR ORIGINAL SIGNATURE ETC. THEY HAVE NOT RESPONDED AND CONTINUE TO KEEP THIS FRAUDULENT ACCOUNT ON MY XXXX  CREDIT REPORT.
Consumer complaint received 2021-08-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi, My auto loan was paid off in full on XX/XX/2021 and in XXXX I received a late payment alert from Transunion. I contacted XXXX XXXX and Tran union bout the issue and provided receipts from my bank statements showing I never missed a payment &, copy of the check from the insurance company. 

I also sent a copy of the refund check of {$120.00} from XXXX because I was still paying my car note even AFTER my insurance company paid XXXX XXXX because I was told by a XXXX XXXX represenative that they had to update my account and that I still had to pay up until they did. This error has affected my credit scores and trans union and XXXX has not been cooperative. XXXX is lying saying I owe {$410.00} and I do not.
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As already documented my identity has been compromised inwhich the aftermath has affected my credit file with unauthorized accounts. The following accounts are not mines. I'm now demanding them to be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX  {$700.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have Identity Theft. And I was going to report that to Capital One, when I noticed a few of my payments didn't go through. When U called the recording said they suspect Fraudulent Activity. I was on hold for 45 min for someone to tell me they closed my account. I called 4 more times to only be put on hold when I asked for a supervisor. They never took any information from me. Including police report..etc. never never investigated my Fraudulent Activity!! Closed my account and reported to my credit report
Consumer complaint received 2023-01-11
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: Caliber Home Loans, Inc. (FL)

Caliber Home Loans Acct XXXX is reporting incorrect information to XXXX. 
No late payments on account since this mortgage payments are being made by the State of Florida directly. Caliber is reporting late payments and XXXX is showing incomplete and inaccurate information which must be removed as per my rights under FCRA
Consumer complaint received 2020-12-09
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: Collection Bureau of the Hudson Valley, Inc. (NY)

On XXXX XXXX, 2020, COLLECTION BUREAU OF add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COLLECTION BUREAU OF has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX/ XXXX  ( XXXX ) 7. XXXX XXXX  XXXX  ( XXXX ) 8. XXXX  XXXX  XXXX ( XXXX )
Consumer complaint received 2022-11-05
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. (NV)

1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acountff i need accurate data points I have been sick with XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed Current account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance {$11000.00} {$11000.00} {$11000.00} Credit Limit {$11000.00} {$11000.00} {$11000.00} Credit Utilization XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.
Consumer complaint received 2020-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I purchased an item for about {$100.00} using Paypal as that was the only way seller accepted payment. Turns out the seller was a scammer, he never sent me the item I paid for, he never responded to any of my many attempts to contact him by phone or email, he diconnected his phone, he opened up an identical scam on another web page again using Paypal. Paypal made it very difficult and time consuming for me to get a refund. 
Paypal send me a tracking number for the item and said that was proof the item was sent and I would likely not get a refund. Paypal never followed up to investigate the tracking number and to learn from the shipper that the item was never sent to me, that the item weighted less than 2 pounds rather than the 50 pounds it weighted, that the item was never sent by the seller. Paypal refused to speak to me on the phone after numerous attempts to contact them, Paypal did not respond to my questions asked on their chat line ( the only method allowed to contact them ), Paypal dragged the case on for weeks with no refund, Paypal finally offered a refund and the reopneed the case the next day. Paypal told me to get documents from the shipper when they did not exist. I felt Paypal was working only in the interests of the seller. Paypal customer service is non existent and they would not send me transcripts of all my contacts which had to go through them. After dozens of chat contacts, hours on the phone with no success, I finally got a refund but they still refused all efforts to learn more about the case. No wonder scammers seem to prefer to go through Paypal. I was never assigned a case number, the tracking number was XXXX and merchant was XXXX Paypal told me to contact their legal department if I had any issues with them. They had no effective or responsive customer service and left the customer totally out of the loop.
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY)

On XX/XX/27 I opened an online account with MoneyGram US and attempted to send money to my fiance in XXXX. It was a small amount of approximate 700 USD They immediately debited my credit card for the amount. 
They then proceeded to cancel my " transaction '' within their system and block my profile. 
I called their customer service and was told that their " online system '' flagged me as fraud. 
When asked why, no additional reason was given. 
I was additionally informed that I could no longer use MoneyGram services anywhere in the world because of this. 
They have not refunded the amount to my credit card. 
When asked why the transaction was not cancelled, they attempted to explain a process that was obviously false. 
They state they are holding my money for 3-10 days.
Consumer complaint received 2020-07-18
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. (NY)

THE DISPUTED ACCOUNTS LISTED HAVE TARNISHED MY CREDIT, MY SSN, MY NAME AND HAVE CAUSED SERIOUS DAMAGE REPORTING INACCURATE TRANSACTIONS ON MY CREDIT REPORT. I AM DISTRESSED THAT THIS IS HAPPENING TO ME, THOSE INACCURATE ACCOUNTS HAVE MADE IT SO HARD TO ACQUIRE NEW CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORIES REMOVE OFF MY CREDIT FILE.
Consumer complaint received 2022-11-05
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX : Account Number : XXXX, XXXX : Account Number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2023-01-11
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. (VA)

The Credit bureaus stated my accout for XXXX XXXX Account # XXXX was properly investigated but how it that possile if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of last activity-inaccurate 3. Date reported- inaccurate 4. Date Opened- inaccurate 5. Closed date- inaccurate 6. Creditor remarks- inaccurate 7. Last Payment- inaccurate 8. Payment frequency- inaccurate 9 Two year payment history shows 4 30 p+lus days past due. if it's in collections how is it past due?

This is grounds for removal!

My rights have also been violated under 15 U.S.C. 1681 Sectipn 602 A which sttes thatI have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an acount without written instruction. I never gave written instruction!
Consumer complaint received 2019-06-01
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I took out a student loan through Nelnet to attend XXXX and had an outstanding balance. As a result, I was notified the IRS would be seizing my tax return to cover the remaining debt. My entire tax return was taken from 2011 taxes, however the debt is still showing as open, XXXX has stated the loan had been repaid but Nelnet has been less than helpful and says they have no record of debt being paid or my tax refund being intercepted. How do I go about resolving this? Is there a record or receipt I can obtain providing the information where my refund was intercepted, the dates and amount? This is still showing in my credit and has been constantly impacting my credit score severely for a decade.
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 — Information belongs to someone else
Company: Global Lending Services LLC (TX)

Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from XXXX XXXX and 1 inquire from global lending services
Consumer complaint received 2017-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC. (KS)

I am showing on my credit report that I have a debt with Credit World Services Inc. for a XXXX bill it is not mine. I tried to get in contact with the company and it is impossible, I need to get this resolved. PLEASE
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, I have been trying resolve a credit card dispute issue since XXXX with Kohls/XXXX and to no avail. I have well documented letters and credit reports showing how Kohls repeatedly failed to resolve and remove the derogatory account from my XXXX, XXXX and XXXX credit reports. I sent three separate certified letters confirmation delivered on XXXX, XXXX and XXXX. Kohls failed to add any dispute remarks to my credit reports within the 30 day time frames allowed by law. I have attached credit reports from XXXX, XXXX and XXXX dated on the day the first certified letter was delivered and again on the 31st day of the 1st letter being delivered. Kohl 's has never furnished the credit bureau 's with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. I have very detailed documentation showing the certified letters signed for and delivered, time stamped copies of my credit reports showing that Kohl 's violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I just want this resolved and for Kohl 's to remove the derogatory accountfrom XXXX, XXXX and XXXX and all applicable credit bureua 's. Thank you for your help on this matter.
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from capital one and 1 inquire from XXXX XXXX XXXX