davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The previous choices in your system are not applicable to what happened to me. I spoke to XXXX in your office today. He provided excellent service & information. This case involves theft from my personal checking account & incompetence by two banks. Three transactions against my personal checking account were made by a person using a fraudulent / counterfeit check ( s ). 1st --  On XX/XX/2019 -- Bank of America cashed/ & /or deposited a check # XXXX - a counterfeit check for {$100.00} ... .identical to a legitimate check # XXXX which posted on XX/XX/2019. Essentially the check # XXXX never existed from my check book ... as my highest checks are XXXX 's ... only. The criminal changed the - " 3 '' in the check number ... .to an - " 8 '' -- Everything else about this  check was identical to the original check # XXXX .... except the - " 3 '' - in the check number was changed to an - " 8 '' - to attempt to  present a new & independent check ... .however this check was indeed a fake check. ~ 2nd ... AGAIN - On XX/XX/2019 -- Bank of America cashed/ & /or deposited a check # XXXX - a counterfeit check for {$100.00} ... identical to a legitimate check # XXXX which posted on XX/XX/2019. Again, the - " 3 '' in the check number was changed to an - " 8 '' ... ..by the person cashing ... & /or depositing check # XXXX - which posted on - XXXX, XXXX, 2019. 3rd -- The same fraud was achieved again with no interruption / detection by Bank of America & /or my bank -- XXXX XXXX . The 3rd check # - XXXX -- was posted on - XX/XX/2019 - for {$100.00} In total 3 checks = {$300.00} stolen from me.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX rules ( the lien has no SSN number and no DOB ). XXXX XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.
Consumer complaint received 2023-01-30
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. (CA)

On, XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$320.00}
Consumer complaint received 2023-01-30
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. (KY)

I am grateful that you took the effort to discard some of the data in my credit report, but there are still items that require deleting. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected and removed from my file immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

A few months before this issue I refinanced my loan from XXXX XXXX to Capital One. 

I sold my vehicle, the buyer gave me a cashiers check which was certified by Capital One for the amount remaining on the loan. 

The check was mailed overnight XX/XX/XXXX, and was accepted and posted as paid off on XX/XX/XXXX. 

I received power of attorney documents by Capital One on XX/XX/XXXX. The documents were filled out and mailed overnight on Friday XXXX XXXX. 

I waited a few weeks for it to come in the mail as it should have. On XXXX XXXX I called Capital One to inquire about the title. I was told there was some mix up and that they had the original title and were going to mail it to me and it would take 3-5 days to process, then it would be sent overnight via XXXX. 

After waiting until XXXX XXXX I called once again to find out what was going on. I was told that Capital One didn't have the title and was going to instead send me a lien release. 

XXXX XXXX I finally received a lien release, made an appointment with the DMV and went to have the title transferred to the buyer. DMV told me that the title they have on file does not list Capital One as the lien holder and would not accept Capital One 's letter. 

I contacted my previous lien holder ( XXXX XXXX ) to try and get a lien release directly from them. They told me that only Capital One could request the release letter because the loan was paid off by them ( When I refinanced a few months prior ). 

I again called Capital One to give them this information and was told once again that they were going to sort that out and mail me a new document. 

XXXX XXXX. Still haven't received anything from Capital One. I called again and requested to talk to someone higher up, I was transferred to a resolution specialist that told me that the paperwork hasn't been moved to the right department and that they are trying to " find '' the title. 

XXXX XXXX. I called the resolution specialist again to get an update. I was told that they " found '' the title and sent it out on this day. 

XX/XX/XXXX. After 10 weeks from the day it was paid off I still have not received anything from Capital One. I was never contacted about the issue by the company, I always had to call for information. This has put me into hardship, the amount of time i've spent from work going to the DMV and waiting hours to talk to a representative over the 20+ calls i've made to resolve the issue. The person who purchased the car has also suffered since they can not register or use it. 10 Weeks with no resolution or clear solution to the issue is absolutely unreasonable.

At this point I have been wronged by Capital One. I do not know what steps to take further to resolve this issue. I have exhausted every option on my end.
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

I am currently in a chapter XXXX bankruptcy which was filed inXX/XX/XXXX. The mortgage on my home was sold to Bayview Loan Servicing inXX/XX/XXXX. The real estate taxes on my home are escrowed and should be paid by my mortgage company by XX/XX/XXXX, and XX/XX/XXXX each year so as not to incur late fees. As my documentation will show the taxes on my property were not paid until XX/XX/XXXX which caused a late fee of {$330.00} to be assessed. The taxes for the second half of XX/XX/XXXXwere paid on time. This year the first half tax bill was again paid late. The taxes were paid on XX/XX/XXXX, which again caused a late fee of {$330.00} to be assessed. I went to the XXXX County Treasurer 's office today to get a print out showing the taxes for my property for the second half have still not been paid and there is a late fee of {$330.00}. When my taxes were not paid correctly for the first half of XX/XX/XXXX I spoke with my attorney for my bankruptcy about the matter. He said it is not legal for a mortgage company to collect funds for an escrow account and not properly pay the items escrowed for on a timely basis. At that time I was concerned that other money was not properly being accounted for by Bayview Loan Servicing. My attorney requested from Bayview a complete accounting of my mortgage payments and escrow account. We still have not seen that paperwork. It is my desire that Bayview Loan Servicing be requires to provide me with a complete accounting of the funds collected from the bankruptcy court and show in detail how they are being applied.
Consumer complaint received 2019-10-30
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX** XXXX ( Original Creditor : XXXX XXXX ) XXXX****,  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX** XXXX XXXX****, XXXX XXXX****, XXXX XXXX**** and XXXX XXXX XXXX****
Consumer complaint received 2019-10-30
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX****, US DEP ED XXXX****, US DEP ED XXXX****, XXXX XXXX XXXX****, XXXX XXXX****, US DEP ED XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**** XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX**** and XXXX XXXX XXXX****
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank has attempted to pull my credit report on two occasions when I have purchased clothing from XXXX ( XX/XX/21 ) and XXXX to XXXX XX/XX/21. I did not apply for their card and I did not consent to them attempting to pull my credit. Nor do I have any lines of credit with them. This is fraudulent.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

I 'm not sure if this is the same debt that was tried to collect from agency XXXX XXXX XXXX a few months ago I think it is an the debt is not mine it was opened online I sent in paperwork to show that my identity had been stolen as well as proof the account they had deposited the money in was not mine. I have no contract or agreement with XXXX XXXX XXXX or the current owner ( National Credit Adjusters ) of this account I 've requested information with my signature along with any other documents they provided nothing. This account was sold by the original owner cause they could prove this was my account by that being done the original creditor sold the debt to this agency so they forfeited their rights to collect any money from me. They need to remove this from my credit reports right a way an stop selling the account.
Consumer complaint received 2021-03-30
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. (VA)

I've sent 3 letters asking to remove this account because of so many errors on my report like the high credit balance the date of last activity and last report date and the date of last payment these are not XXXX correct across all 3 credit bureaus and this needs to be deleted asap. They also responded with resolved and nothing was explained or resolved at all everything still looks the same like they just did an auto- reposnse. this is affecting my life and my credit reports. And I also ask for contracts with my signature on them showing this is my account and I never got anything.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK (TX)

On 2020 around XXXX, I find out that I had a big problem about my credit score ( delinquency ), Then I found out that my discover credit card company file a debt collect on me. I never used this card, and also I never received any new Credit Card from the company. After this case happened I try to reach out with debt Collector and the discover bank, try to solve the problem. but both company make me calling around and not even try to solve my problem. that makes my credit score drop  everyday. The amount that i find out around {$8000.00}.
Consumer complaint received 2020-11-19
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: Aargon Agency, Inc. (IL)

These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Per my first complaint regarding this exact same issue : I informed XXXX XXXX   back on XX/XX/XXXX ( email attached ) that I could not access my account via their website nor the mobile app. I also informed them that when I called in, the telephone agent could not authenticate me because he alleged that my answers to the security question was incorrect. They responded on XXXX XXXX, XXXX ( email + letter attached ), giving me the same customer service number I called to make the payment, saying that I needed to call in to update my address. You can see how cyclical the request is. All I know is that my account with XXXX was reported closed and late and the avenues I had to make payments ( aside from mailing them in ), were closed. This wouldn't be the first time agents at this number alleged they could not authenticate me. That is why I mainly communicate with XXXX bank via email to XXXX. Their calls to the main customer service number are routed outside of the USA and I have never had any luck in getting account information through that number. I did mail in a {$100.00} payment XX/XX/XXXX. I have yet to receive a final statement from XXXX Bank and have received no receipt of that mailed in payment ( again, my mobile app and website access has been revoked ). They have reported yet another late payment for ( XX/XX/XXXX ) to the bureaus but have refused me access to even view what I owe and a breakdown of the charges. I will not make payments on an account for which I am being refused statements. 

As of the date of this complaint, I have yet to receive a final statement nor confirmation of any of my mailed in payments to XXXX. I have mailed in money order payments the first week of each month, guessing what the minimum due is. It appears XXXX is reporting a missed payment for XXXX and XXXX on my credit reports - despite, as aforementioned, revoking my online account access and refusing me access to a final statement.
Consumer complaint received 2019-10-30
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: EQUIFAX, INC. (NJ)

Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2017-08-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XXXX/XXXX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by XXXX.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My credit report is inaccurate, I have tried numerous to contact XXXX, Equifax, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (NY)

In accordance with the fair Credit Reporting act XXXX Acount # 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 602 A. States a consumer reporting aenc can not fumish an account with out my written instructions
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XX/XX/XXXX I walk into my bank for 7 years. New work XXXX women is working in there. She basically profile me and said she or her manager couldnt cash the check for only XXXX dollars. I feel racial neglected and profiled store is on XXXX XXXX XXXX XXXX XXXX ca XXXX