davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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. (SC)

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 items 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance XXXX {$4000.00}.
Consumer complaint received 2022-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

On my credit report from all three bureaus my payment history is rated as POOR.

Further down my report where all accounts are listed the payment his is listed as EXCEPTIONAL. All my accounts are listed as PAYMENTS - ON TIME. 
The accounts in question are XXXX XXXX- 2 - Credit Cards CAPITAL ONE - 1 - Credit Card These payments were late because of XXXX. I did not have the virus, but 3 employees did so the restaurant shut down for 2 weeks, that was why the payments were late. 
I contract with XXXX XXXX. They are excellent. They have sent MULTIPLE letters on my behalf to XXXX and CAPITAL ONE. 
XXXX and CAPITAL ONE have contacted me several times by USPS, saying the late payments WOULD NOT be removed because it WAS NOT a bank error. 
XXXX XXXX said there is nothing they can do except sending letters. 
I filed disputes with XXXX and CAPITAL ONE and got the same response. 
I also filed disputes with XXXX, XXXX  and XXXX, got the same response, dispute declined NOT Bank ERROR. 
They told me to contact XXXX, I did, they told me by phone that they would do nothing because that the Bureaus report to them. 
If you obtain my full credit reports from all Bureaus, you will see exactly what I am talking about. 
I also want to mention that these late payments are OVER 2 years old. Prior to 2 years there were no late payments, defaults or delinquencies and since that time, none.

To report my payment history is rated poor is unfair, inaccurate resulting in a poor credit score.
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

The below details a series of issues with Shellpoint Mortgage Servicing, stemming from an incorrect tax payment made by Shellpoint Mortgage on my behalf. A timeline of incidents as follows : XX/XX/XXXX The building we moved in to was completed and Certification of Occupancy was granted by the city of XXXX. 
XX/XX/XXXX - We closed on our condo in that building. 
XX/XX/XXXX - XXXX XXXX transferred our mortgage to Shellpoint Mortgage Servicing XX/XX/XXXX - Shellpoint Mortgage incorrectly paid the XXXX XXXX taxes for the original two parcels that our building stands upon for {$19000.00}. Because the building just received its certification of occupancy in XXXX of XXXX, each unit had not been assigned its own Parcel at that point. There at 34 units in the building. Shellpoint mortgage paid the taxes for all 34 units. 
XX/XX/XXXX - We became aware of the tax issue and informed Shellpoint by telephone. We were informed that a resolution ticket was opened with the Shellpoint Mortgage tax department. 
XX/XX/XXXX through XX/XX/XXXX - I've called roughly 50 different times to get an update on the status of resolution, but nothing has materialized. 
XX/XX/XXXX - We received notice that our monthly payment would be increased by {$2400.00} to pay down our incorrectly applied - $ XXXX escrow balance. We called Shellpoint immediately to inform them of the mistake. We were told that another escalated ticket was opened internally to handle the mistake. We stopped auto payment until the issue was resolved. 
XX/XX/XXXX ( cont. ) - We received notice that Shellpoint will be transferring our loan to XXXX XXXX XXXX XXXX XXXX  effective XX/XX/XXXX. 

Our primary concern is that with the hand off to the new lender, this issue will not be resolved appropriately, especially if the new lender doesnt have the detailed history of this issue and our correspondence. Ive been assured dozens of times over the last year that this issue will be resolved, but it has not. In addition Ive spent dozens of hours on the phone trying to resolve mistakes made by Shellpoint Mortgage.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: National Auto Lenders, Inc. (FL)

On XXXX XXXX 2016 National Auto Lenders repossessing a vehicle or fraudulent fraudulently I have recently found out through a copy of my title history report that they still own that vehicle they sent me a fraudulent deficiency balance notice saying that they sold that car so that 's how to prove that they never sold the vehicle and I want it removed from my credit report XXXX and XXXX has already removed it with information that I have sent only XXXX will not remove it with the information that I sent I am seeking you any type of monetary value that I can get from this fraudulent case but right now I just want them to remove it from my XXXX credit report I am uploading a copy of the title thank you
Consumer complaint received 2021-06-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (IL)

I took a loan for XXXX I pay XXXX and my balance is still XXXX is not right please I need help the place is title loan phone number is XXXX XXXX XXXX or XXXX XXXX. I know this place is doing things illegal please can you guys do an investigation?
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I 've reached out to both SLS and XXXX regarding my XXXX mortgage that is now paid in full. They are reflecting on my credit report with the name Specialize Loan Servicing, but the address is for XXXX. This is hurting my credit score and resulting to my interest rates increasing and not qualifying for credit.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (GA)

I opened an account at Suntrust Bank 3 weeks ago. After receiving my payroll check, I deposited it into my axcount. The bank CLEARED the check ( meaning they have they collected the money ) and then closed my account and is refusing to release the funds to me. No reason given. No explanation. Response from bank has been cold, dismissive apathy. They say they have the right to do this! Meanwhile, my utilities were shut off, bills unpaid, I can't buy food, gas or get to work. I have a XXXX son. Please somebody help me.
Consumer complaint received 2016-01-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I am lodging this complaint because Experian has refused to adhere to my request of providing me with the documents that they have on file that was used to verify the accounts that I disputed which in my eyes has not been properly verified and according to Section 611 of the FCRA they are required to delete any information that can not be verified that I disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

On XXXX I bought two round trip airline tickets from XXXX to XXXX using XXXX wells fargo go far rewards points. On XXXX, the airline, XXXX XXXX, emailed me informing me that both the departing and return flights have been cancelled and that I would get a full refund. On XXXX, I got an email from go far rewards stating that there was a travel update and I should contact them. I have called Wells Fargo go far rewards 3 times since then requesting a refund for the flights and have no yet received one.
Consumer complaint received 2016-04-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I went to citibank branch to open new fixed deposit account. 
Citibank officer asked me how much I need to deposit and I said {$5000.00}. 
Citibank office asked me to submit the paper application along with the required documentation such as address proof, Photo ID along with the check of {$5000.00} in my name. 
I gave all the papers and the check ( payee to myself ) for {$5000.00}. 

Citibank officer told that the process is to first open the account and then will deposit the check in the new opened account. 
It is now more than 2 months and account has not been opened and citibank customer rep didnt know where the money went. They cashed the check within 2 days after submitting to the bank and now refusing to give the money back as they have no idea where the check went. 
After repeatedly contacting them several times, I think it is possible that they do n't want to open the account and also do n't want to refund the money. 
Hence, I have no other option other than filling the complaint. 

The check and the papers were given to citibank officer and she also is no longer the company that surprises me. 
Date of visit to citibank branch : XXXX XXXX 2016. 
Check cashed on XXXX XXXX 2016. 
Check was given in the name of XXXX XXXX Name of the bank issuing the check : XXXX XXXX XXXX. 
Account to opened in name of : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-04
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)

There are three accounts on my credit report that do not belong to me they are not mine I have not signed for anything or approved anything I dont knwo what these accounts are for. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2016-06-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NV)

I have at the bottom a copy of the police report of the incident that took place that I was instructed to do from a PAYPAL associate to remedy the issue that was going on. I also have pasted a copy of the email from XXXX who was also a victim and states that we both know we were not the unlawful parties. As well I have emails from the wrong doer I can provide. I also have XXXX witnesses, XXXX XXXX who was not only there with me the morning it happened, he witnessed the whole thing, including how I called you guys to alert you of suspicious activity on my account. I told you then and I told you before then I was an am a victim of mass identity theft and robbery so handling this asap was beneficial to us both. I also have my manager XXXX XXXX as a witness that when you closed my paypal accounts down without reason or cause after I provided you with police report you asked for, you not only caused me XXXX and money and aggravation, but years of putting together entertainment projects with my manager XXXX XXXX and my lawyer XXXX XXXX for us to profit from, were halted due to the fact 90 % of the marketing and other companies we were using to get these projects going were linked through my paypal account that you closed. Also note that all these companies that we were using will be notified as well as other companies that only use paypal as a means of money transfer, of paypal unlawful doings. Also, you contacted my manager, who you were not working with, or did you have ever any contact with and told him that I owed paypal money, which is highly illegal and incorrect. 

I have reached you many times to resolve this at no anwwer back. I will remind of the issue as further documented proof but in no way am I looking for a negatation. You had plenty time and I lost plenty of money and time and such, I will expect a phone cal in next few days from paypa reinstating my paypal account and a check for {$1000.00} or {$1000.00} in prepaid cards, mailed following for damages. 

INCIDENT : In XXXX 2014 a saw an add on XXXX for someone looking for help marketing. I contacted this person and they informed me of what they needed and that was someone who is a good writer to write good marketing ads and post them for electronics company he worked for. So I did. I did several days worth, and he let me know to stop, I had done a good enough job they had sold a good amount of volume and that he would be paying me in next few days. A few days went by I heard nothing. After a week he contacted me and asked me if I had a paypal debit card that he would have to pay me that way. I said I did and provided him the number of the debit card, I did not give him access to my paypal account or passwords, just debit card number for him to pay me. He said he would text me when he sent the {$120.00} he owed me.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have notified Experian that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Experian have not removed these accounts and inquiries within the last 16 months from my credit file. The Bankruptcy information that is reporting on my credit file - XXXX ... is not mine.
Consumer complaint received 2015-10-21
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I opened CapitalOne 360 Savings on during XXXX, 2015. As per this account terms and conditions - I was suppose to get {$500.00} bonus if i deposit {$50000.00} within 10 days which i did. 
XXXXHere are the terms and conditions:1. Open your first 360 Savings account by XXXX/XXXX/2015 XXXX XXXX EST. 
2. Deposit {$5000.00} or more from an external account within the first 10 days of opening and maintain that balance daily for 90 days to qualify for a {$50.00} bonus. If you deposit and maintain {$10000.00} or more daily for that same period of time you 'll earn {$100.00}, and so on upto {$500.00} total. ( Check out the chart for more details. ) XXXXI deposited $ XXXX within 10 days on XXXX/XXXX/2015 and today it 's 90 calendar days. Few days back I send them a fax asking about the status of my {$500.00}. Called up also. Then i come to know that they are not going to give me any {$500.00} as i had ING Direct account in the past. ING Direct was acquired by CapitalOne. 
This raises few questions:1 ) This should have been told to me long time back and not after 90 days. 
2 ) They are violating the terms and conditions at that time ( back in XXXX 2015 ) though terms and conditions when i checked today is saying what they are talking about now. 
3 ) There is no message center via which customers can send email to them or send a message ... .just a phone number that too working during east coast time. 
4 ) This is a new account - i never had XXXX degree checking account with XXXX One-why they are trying to have an excuse that I was having a savings account with ING Direct. Let 's say there is an " XXXX Bank '' which gives me a cash bonus for opening an account and Capital1 acquires that after 5 years - will Capital One will come back to me to get that money back? 
5 ) Are they taking all the liabilities and action suits against ING Direct also? 
According to me this is a mere excuse not to give {$500.00} bonus. 
Attaching all the documents and promotion snapshot ( from XXXX 2015 ) itself.
Consumer complaint received 2021-06-04
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. (CA)

I have sent 5 letters to XXXX  and equifax regarding my credit report the inquiary that are on them and also the the fraud alert i ask equuifax, XXXX  to take the alert from my credit report and the alert is still showing on my report and i go threw way to much to talk to and customer service rep please help
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

after checking my credit report i am a victim of XXXX and XXXX  XXXX data breach someone applied for credit in my name using my ssn and dob. in doing so they were able to obtain unauthorized accounts in my name. here are a list of the fraudulent accounts : XXXX XXXX XXXX : XXXX - XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -XXXX : XXXX - XXXX XXXX : XXXX XXXX - XXXX -XXXX  XXXX XXXX XXXX -addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX, il XXXX - XXXX XXXX XXXX XXXX XXXX XXXX il XXXX - XXXX XXXX XXXX XXXX XXXX, il XXXX
Consumer complaint received 2016-03-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time.
Consumer complaint received 2015-08-03
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: MiraMed Revenue Group LLC (NY)

I received a letter in the mail today XX/XX/XXXX, from the MiraMed Revenue Group, LLC, claiming they represent XXXX XXXX For a date of service of XX/XX/XXXX. My husband called the MiraMed XXXX XXXX ) and asked them what this was about. They wanted extra information about me, so my husband told them that we are thinking they are trying to run a scam to collect money. That we have never done business with this XXXX. We also contacted our health care insurance and they told us any medical bill that we have not received for a service that is over a year old does not need to be paid and the insurance company will not pay on it either. That all medical groups know this. So that is why we feel a scam is trying to be run.
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HOVG, LLC (CA)

I entered into a mutually agreed upon payment arrangement with XXXX XXXX XXXX and made several timely payments as agreed. In XXXX I made a payment to a representative over the telephone which was a few days past my due date so I called to make the payment personally. He told me no problem assured me the payment was applied and not to worry the payment arrangement is not affected pmnt went through. My account was sold to collection company Bay Area credit 1 week later and I was contacted by phone and bullied to enter the same arrangement with them. They assured me if I continued to pay as agreed on auto by from my checking account The collection would not be reported on my credit report so I did. They began taking different small amounts out the day before the agreed date in their name {$5.00} then the pmnt amount the next day from a trust account name? The the statements I received started reflecting the balance growing not declining o called to complain many times their story always changing. After making 4 or 5 payments on time by auto pay so they could not be late the reported to credit report anyway costing me valuable points and going against their word. However the original debtor should not have been allowed to give to collection in the first place and I believe it is a violation of law and the collection company should be fired and the original debtor also for a violation of fair debt collection and my debt cancelled as I have paid by now.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible