davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

XXXX XXXX- Bullcity Financial Solutions {$510.00}. I have disputed this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All attempts to verify and validate the debt has been unsuccessful. I notified all three credit bureas that the accounts were fraudulent. I have spoke with and requested a fraud package from Bullcity Financial Solutions and recieved no help or real care on the issue. The information is being erroneously reported on my credit report, which is having adverse effects on my car loan applications.
Consumer complaint received 2022-05-01
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: The CMI Group, Inc. (FL)

New Creditior : CREDIT MANAGEMENT LP Last reported : XXXX XXXX, XXXX {$1200.00} Open balance XXXX XXXX XXXX  : Original creditor Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status : Open Type : Responsibility Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$420.00}
Consumer complaint received 2018-02-21
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 (PA)

On XX/XX/XXXX, I requested a balance transfer on my Capital One Venture One credit card account. Before doing so, I confirmed with an associate via Capital One chat that the interest rate would be 0 % specifically on the balance transfer for the 12 month promotional period. On XX/XX/XXXX my account was charged {$110.00} in interest charges. After speaking with multiple Capital One representatives, I am being told the promotion was only for purchases and they are refusing to provide a transcript of the chat. Either the promotion changed or this information was miscommunicated and Capital One will not fix the issue. I feel this practice was deceptive and predatory resulting in a high interest rate that I can not afford on the transferred balance. I have previously written in to the general correspondence XXXX XXXX with no response to my complaint.
Consumer complaint received 2023-04-10
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2021-02-28
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: DISCOVER BANK (CA)

I received a email about a home loan I supposedly applied for I did not apply to any loans I am not looking to buy any homes and the inquiry is on both of my reports this is a error and I pray and home nobody has my info and is trying to purchase a home
Consumer complaint received 2019-03-18
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: Experian Information Solutions Inc. (CA)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Equity Auto Finance, Inc. (FL)

this vehicle has been paid in full. I TRIED SEVERAL TIMES TO HAVE THE NEGATIVE ITEM REMOVED. there IS no way I COULD HAVE SOLD THE CAR WITH A CLEAN TITLE if i owed. IT REPORTS LATE AND OWES XXXX : XXXX STATES THAT THEY " VERIFIED '' THE INFORMATION THEY DID not,, I spoke with XXXX from Equity auto who claims theres no way it was verified BECAUSE THEY DO NOT REPORT TO XXXX. 

XXXX XXXX
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Financial  Corporation (CO)

I have diligently tried to ensure everything on my credit report was correct and paid. There are now 3 negatives that are simply false. I have NO IDEA who XXXX XXXX is. I have not received a bill from them and do NOT owe them {$330.00}. I have diligently tried to resolve this. I filed a dispute and still never received ANY documentation of this bill, nor what it is for. I explained this in great detail to XXXX, yet they said the negative has been verified. How can it be verified, if I dont even know what it is??? If just anyone can submit a collections account on your credit report, then what is the point in even attempting to make sure all your debts are paid? You can look at the 38 pages of my excellent payment history and KNOW that I would not knowingly leave a {$330.00} bill unpaid!!!! I can not pay what I do not know. 
And then there is XXXX XXXX. This dispute was over XXXX cents AFTER an account was closed. XXXX erroneously allowed the XXXX cents to be charged to a closed account, which by the time I found out, i had to pay {$160.00}!!!! I uploaded PROOF and XXXX still says they verified and it stands. If they VERIFIED, they would KNOW XXXX made a mistake. So for {$330.00} and for XXXX cents, my credit has been RUINED!
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My previous Complaint ID # : XXXX was not resolved told to resubmit. On XX/XX/20 at XXXX XXXX I went to Bank of America in XXXX to uses deposit money to the bank only the ATM machine was available my checking account. The ATM machine showed an error message and made usual noise with deposit cash an error. I deposited XXXX in cash only to discover with the error machine to fine that only showed {$100.00} deposited. I filed a report with transaction dispute bureau through the Bank of America consumer service XXXX. XXXX, a transaction dispute representative, that I deposited XXXX dollar in cash only deposit XXXX dollar and willing to help. I contacted Bank of America consumer service XXXX spoken XXXX to find that the claim was not result. I opened my Bank of America app on my cellphone to find out I showed contact XXXX different from Consumer service. The account was closed with no reason why at that point. Bank of America XXXX told me that reversed the amount no explanation was given either. The Bank of America supervisor was not willing to resolve the issue told me that the bank is not going to resolve this transaction. I told the representative that if you go to ATM machine in person there will be a {$300.00} difference. I told today on XXXX that there XXXX XXXX XXXX XXXX XXXX Extension XXXX. I went through this already before there is an issue the transaction with deposit money into ATM machine in XXXX. I wanted the money back in the form of a check to my address. I would want a supervisor from consumer financial protection bureau to speak to Bank of America supervisor. There is a problem with the ATM machine. I tried this before with no help at all. The Bank of America ATM machine number is XXXX.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

In XX/XX/2017, I ordered XXXX items from XXXX XXXX totaling {$45.00}. 
On receiving them, I decided to keep just XXXX and return the other XXXX because I did not like them. 
I called XXXX XXXX to get the exact amount for the one I was keeping and they told me {$15.00}. I wrote a check for that amount, put it the package of the items I was returning and mailed it at the Post Office on XX/XX/XXXX. My post office receipt shows that delivery date would be XX/XX/XXXX. 
My next statement payment due date was XX/XX/XXXX. XXXX XXXX confirmed to me that they my check and returned items in XXXX. 
Then I received a letter from XXXX XXXX stating that my payment was late and that they have assessed a late charge on my purchase. 
I immediately called XXXX XXXX to inquire why my payment would be reported as late. 
They told me that XXXX XXXX is their bank which underwrites their account. They gave me the bank 's number and asked that I should call them and tell them that they received my check in good time but that they delayed presenting for payment in time. 
I called XXXX XXXX  and explained this to them. The rep who took my call stated that she will leave a note against me account that the check was received in time by XXXX XXXX. I thought this was over. 
The next month, XXXX XXXX sent an adverse report to the XXXX credit reporting agencies that my XXXX account had a late charge. Every month they increased the amount. 

I lodged a complaint with the XXXX credit bureaus regarding this matter. They tell me they have contacted XXXX XXXX to no avail. XXXX XXXX continued increasing the so called late charge until they brought it up to {$200.00} and then charged it off. 
XXXX XXXX has adversely affected my credit rating all for a business transaction in which I paid my bill and in good time.
Consumer complaint received 2023-04-10
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)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry  : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

For the last couple of months, Citizens Bank has been sending us marketing mail materials and emails regarding the option of doing online banking. We do not do direct deposits or online banking due to our fluctuating income and financial situation. We send personal checks every month with the home mortgage statements Citizens send us every month. We have had this loan with this bank for almost 2 years. We never had a problem before, they always sent us the bills ahead of time, and we have never missed a payment. 
For the last 3-4 months they have been sending us the mortgage bills only a couple of days before the due date and the late fee begins ( the 15th of every month ). We feel harassed and threatened by Citizens by this tactic. This is very worrisome to us because we have perfect credit and we can't afford late fees ( {$87.00} ) of any kind. We always make our payments with personal checks to all of our providers without a problem ( electricity, gas, our apartment maintenance, cable, cell phone, homeowners insurance, etc.. ) All of the other providers ' bills arrive on time in our mailbox and all different providers cash them on time as well. We have never had ANY late fees of any kind with any company. 
This month of XX/XX/2022, our mortgage bill is due by XX/XX/XXXX. We just have not received the mortgage bill. We called on Friday, XX/XX/XXXX at XXXX am to complain, but we still have not received anything from them BUT we keep receiving emails and marketing materials thru regular mail from them about signing up on their direct deposit option. We feel harassed and threatened by Citizens by this tactic. We can't do online banking since our income fluctuates every month and sometimes we pay from separate accounts every month since we are XXXX workers, not XXXX. 
We are very worried, we can't afford any late fees. Our calls to them have been obviously ignored
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MN)

We are borrowers who reside at the subject property for the last twenty-seven years. After an unexpected accident which led to wifes XXXX and we applied for a loan modification. We have disclosed all our financials, in spite to that Lender keep getting the same unaffordable for us monthly mortgage payment. Instead of adding all missed payments to the current mortgage principal amount, like every modification done, Lender is keep asking for a gradually increasing down payment knowing in advance that we can't pay that. This is only made us feel more miserable and hopeless than before. It doesnt sound at all like we even been offered a loan modification. We hope we have a wrong impression, but it feels like our Lender SN Servicing fully understand and knows that giving us such high monthly payment will lead us to imminent default wright away. Feels like Lender simply enjoys and doing everything that put us in the default without any chance to recover. It hurts to see how people smiling behind your back enjoying your suffering. Our constant stress level impacted our health.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (SC)

XX/XX/2022 My most resent consumer credit report is attached. 

Equifax is violating the Fair credit reporting act laws. I am requesting monetary relief. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] I HAVE A RIGHT TO PRIVACY. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I DID NOT GIVE EQUIFAX ORAL OR WRITTEN PERMISSION TO PUT A BANKRUPTCY ON MY CREDIT REPORT. 

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ]. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing ANY of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. [ THE DATE OF ENTRY ARE SHOWN ] THE DATE OF ADJUDICATION IS SHOWN ALSO ] 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] THIS BANKRUPTCY WAS NEVER DISCLOSED TO ME. 

607. Compliance procedures [ 15 U.S.C. 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I REQUESTED EQUIFAX TO CHECKED THE ADDRESS THAT WAS REPORTING WITH THE BANKRUPTCY TO VERIFY THE IF THE BANKRUPTCY WAS MINE. EQUIFAX DID NOT VERIFY THE ADDRESS. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
AS YOU CAN SEE THIS BANKRUPTCY SHOULD NOT BE REPORTING DUE TO INACCURATE INCOMPLETE AND CAN NOT BE VERIFIED BY ITS ADDRESS. 


615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ADVERSE ACTION WAS TAKING WITHOUT NOTIFING ME WHEN THIS BANKRUPTCY WAS PUT ON MY CREDIT REPORT.
Consumer complaint received 2019-03-18
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: Resurgent Capital Services L.P. (NC)

In 2017 my ex husband used my Information during our separation and got a credit card and left me in debt {$570.00}. I had no knowledge that my social and name was used to start an account because I am against even using credit cards back then and he never paid the bill and all mail went to him I assume because I was never sent any information about the credit card or that I was being sent to collections.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I purchased an item ( order # XXXX ) from Kohls XXXX XXXX. Amount is {$9.00}. This is on XXXX Statement. I did not return that item at all. But in XXXX statement, I see a return on XX/XX/XXXX for - {$9.00}. I see a duplicate transaction of {$9.00} again for order # XXXX on XX/XX/XXXX. on XX/XX/XXXX I see PURCHASE XXXX XXXX STORE for {$9.00}. I paid the amount of {$9.00} for my genuine purchase on XX/XX/XXXX. I disputed with Kohls on XXXX XXXX about this but no action has been taken till now. I contacted again today ( XX/XX/XXXX ) and they said that disputed is not resolved and we are submitting another dispute. I have wasted at least XXXX hours of time talking to them about this simple issue. Worst part is they have added interest and late fee in XXXX statement and the amount due is now {$10.00} which I did not owe at all. I'm worried it is going to affect my XXXX XXXX. 

Kohls customer care is literally AWFUL!
Consumer complaint received 2019-03-18
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: AMERICAN EXPRESS COMPANY (NY)

I recently asked my cousin to take me off as an authorized user on his American Express card. All was fine until I recently got an update on my credit karma showing creditor companies saying I am still on the account. I called American Express as Did my cousin and American Express had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.
Consumer complaint received 2019-03-18
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: EQUIFAX, INC. (NY)

I recently asked my cousin to take me off as an authorized user on his XXXX XXXX card. All was fine until I recently got an update on my XXXX XXXX showing creditor companies saying I am still on the account. I called XXXX XXXX as Did my cousin and XXXX XXXX had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.
Consumer complaint received 2022-09-15
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. (MI)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
XXXX and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts.My credit report is still reporting Bankruptcy, XXXX, on XXXX XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.