davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX My wife died and she had a capital one card that was in her name alone although I was a authorized user on it, I contacted them to close the account and give them the information that my wife had died, They told me that they would need a copy of her death certificate, I did send them the copy of the death certificate They told me that they would close the account, But to my surprise I received a letter from them saying that I was responsible for the account, I have spoken to them several times as they want me to be responsible for the account now that she is not here to pay for the account I told them no as I was only a authorized user and under federal law I'm not responsible for the account, I have continue to receive letter 's from them for payment of this account, will I came home on XX/XX/XXXX and  found a court order on my door to go to court as they are suing me for this account and they have even but this account on my credit report I would asked that you please help me with this as I have no other idea or place to turn Case # XXXX
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NE)

XXXX XXXX FROM XXXX XXXX XXXX XXXX PHONE # XXXX SAYS THAT I HAVE A HUGE BALANCE WITH SEARS FROM 2013 AND THEY ARE SERVING ME PAPERS TODAY AND IF I DON'T GO TO COURT, THEN I WILL GO TO JAIL. HE WANTED TO KNOW WHERE I WORK AND MANY MORE DETAILS. 

I PAID MY SEARS CARD OFF MANY YEARS AGO AND DIDN'T HAVE ANY BALANCE AND DEFINITELY NOT A LARGE ONE CAUSE I NEVER CHARGED MUCH. 

HE KNEW MY NAME, BIRTH DATE, EMAIL ADDRESS, AND PHONE # AND SAID THAT I OWE SEARS A LOT OF MONEY AND HAVE YOU SEEN YOUR CREDIT REPORT LATELY, IT'S HORRIBLE, THEN I KNEW HE WAS LYING, IT'S VERY GOOD, I CHECK MY REPORT WEEKLY. I HUNG UP ON HIM AND BLOCKED THE PHONE # XXXX I CALLED THE POLICE DEPARTMENT AND LET THEM KNOW AND THE OFFICER SAID TO CALL YOUR FAMILY AND FRIENDS BECAUSE THEY MAY TRY TO REACH OUT TO MY FAMILY TO GET MORE INFORMATION ON ME.
Consumer complaint received 2020-05-01
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. (AL)

This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
All accounts listed above are resulting from the identity theft that should be blocked.
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND XXXX AND EXPERIAN has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX  ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT EXOOERIAN DELTED IT BACK AND XX/XX/2022 XXXX NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX  AND CANT MOVE ON WITH MY LIFE
Consumer complaint received 2021-11-02
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. (OH)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
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: The CBE Group, Inc. (OH)

This collection has been reported against me by CBE Group -Former on behalf of XXXX XXXX XXXX This reported collection is incorrect. First, I have never been a customer of XXXX XXXX. Second, the report shows an opening date for this collection shows as XX/XX/XXXX and makes a comment that it was affected by a natural disaster. I am not sure what that means, but I have requested documentation to prove this is my debt since it was first reported by CBE in XXXX. I disputed this account in XX/XX/XXXX, requesting account documents to prove it mine. Those were never received. 

The account was transferred to XXXX XXXX XXXX  who reported it again, I disputed for the above reason and XXXX  removed it from my report in XX/XX/XXXX. Now CBE Group Former reports it again. This time with an open date of XX/XX/XXXX. 
Throughout this repeated dispute, I requested account documents proving this debt is mine, I have received nothing. Again, I have never been a customer of XXXX XXXX. 
Account documents should be provided to me that show clearly that I signed for whatever service this relates to as well as any account history ledgers that prove there was an actual delinquency. If that cant be done, this collection should be totally removed from my credit report permanently.
Consumer complaint received 2018-06-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions (NM)

JPL recovery solutions bought my debt from XXXX where I got the loan originally in XX/XX/2017. JPL recovery solutions has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MO)

Experian has without a doubt suggested that the cash reserve of {$500.00} dollars at XXXX is a credit card. It has also alleged that Mr. XXXX is not a shell company for XXXX who has maligned my credit rating by associating a {$4000.00} credit card to tune of XXXX a credit card 4 year old and used this Shell company to assume I have defaulted the mortgage has a score of XXXX
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I have been submitting complete packet after packet and they keep denying me. I had XXXX XXXX in XXXX and had it removed. This is my only home we have 3 more years until my my last XXXX children graduate from high school we work all the time and just want to pay our mortgage. In XXXX we were unfairly targeted by a new IRS Agent who had our taxes that were filed by an enrolled agent we just didn't make enough money with XXXX young kids that were only 16 months apart. She put an Levy of {$180000.00} on all 4 of our jobs, bank account we could not even buy food. We were forced to file bankruptcy to get the amount fixed. Our income that year was only {$40000.00} for a family of XXXX. 

As of the past two months my income has increased by a goo amount since the last modification packet in XXXX that I was denied. I just got off the phone with SPS and she said they can not look at another packet for me because the Sale date is in a week told me to file BK or sue. I have done over 28 modification myself and spend countless hours this is not helping my health and they would rather fight us in eviction court than allow me to try to become current in the coming years. It will cost the bank more to remove us as I have NO where to move my family and dogs and have another XXXX on XX/XX/XXXX to remove XXXXXXXX XXXX and my XXXX. XXXX XXXX wants to kick families out and put the cost on all the consumers instead of trying to help people willing to pay for their homes. Select Portfolio is the worst company
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-06
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: Santander Consumer USA Holdings Inc. (CA)

I was a part of a multi-state class action lawsuit against Santander who operates as Chrysler XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have been paying Equifax for online credit report and credit score. Since XX/XX/XXXX I have been unable to obtain my credit report and score. Equifax changed their credit monitoring to My Equifax. Since this change I have been unable to login to review my Equifax Credit report and score. On XX/XX/XXXX I was requested to fax over my Verification information to Equifax which was my Social Security number and ID. I requested a copy of my Equifax Credit Report which I still have not received a copy of. I have also tried several times with annual credit score to obtain my Equifax credit score and have been unsuccessful in obtaining my credit report. Because the Security questions to obtain my Equifax Credit report on annual credit score contains security questions that are not questions related to me regarding Equifax. On XX/XX/XXXX I called Equifax again to gain access to my Equifax online credit report and credit score. I did a Verification with the agent where I had to take a photo of my ID front and back than take a selfie of myself to verify my identity. After being on the phone for over an hour to get help to gain access to my Equifax Credit report and credit score online. After alleged trouble shooting the agent was unable to help me with access to my Equifax Credit report and credit score. On XX/XX/XXXX I called again requesting help with my Equifax online credit report and score. Once again, the agent was unsuccessful with helping me gain access to my Equifax online credit report and score. 
I can obtain my Credit report on annual credit score from XXXX and XXXX with no problem. I can obtain my XXXX and XXXX credit report and score on their website online with no problem. However, I can not access my credit report from Equifax which has been problematic for me to obtain my credit report and score since XXXX. These issues continue to keep happening over and over again. I'm requesting to have my Equifax credit report and score as this has caused me irreparable harm. I feel that something is wrong with my Equifax credit report that is being covered up.
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (FL)

I have no knowledge of the following account that I see on my credit report : XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (OR)

We had no communications about medical debt ( s ) owed.

Collections company " Online Information Services '' ( OIC ) claims we owe > {$2000.00} on services rendered in 2013 by originating creditor " Diagnostic Imaging ''. They started reporting this debt to credit reporting agencies in 2016. We had no one contact us about such debt at all in the past 5+ years. It just started showing up on our credit report. 
XXXX refused to provide phone number or address of originating creditor. They provided account # from originating creditor - but upon calling the supposed original creditor, that account never existed. 
Upon calling originating creditor, they stated that account # was not a real account # and that we never had services for the claimed amount ( > {$2000.00} ), and that they do not send debts to collections ( they do their own collections ). This debt never existed for us, and is fraudulent debt attempted to be collected.
Consumer complaint received 2017-04-19
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

BANK O F AMERICA,   XXXX     2016, I ha d my wallet stolen in  XXXX   XXXX  NJ. Police report was filed and all institutions were notified and cards cancelled. On  XXXX / XXXX /   16 and   XXXX / XXXX /   16 th ere were  two fra udulent transactions in my Bank  of America  account. Each time {$1800.00} was withdrawn from my savings account from  2 different locations. I have never withdrawn any money from this account nor have I ever banked at either the   XXXX  or  XXXX  branch locations. I filed another Police report and notified Bank  of America. I have addressed the situation numerous times at my lo cal   XXXX    branch and  on the phone with  Bank of America . In  XXXX , my local branc h manager, admitted that the charges were fraudulent and added ba ck {$1800.00} to my account and stated he had to wait to add back the additional {$1800.00}. In  XXXX ,  Bank of America n otified me that the case was closed and they removed the {$1800.00} credit leaving me with a - {$3600.00} deficit. I have tried numerous times to get answers and have only been told the case is closed.  Bank of America  never contacted me and they never looked at the police report that was filed. I am happy to provide more information such as accounts, names, and police reports.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I, XXXX XXXX, natural person and consumer am submitting this complaint against Capital One on my own. I have not received any assistance from a third party. I am aware that Capital One has violated my right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6802 ( b ) of the Gramm-Leach Bliley Act. I am aware that not excluding transactions between, I, the consumer, and the person making the report is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Capital One is a covered person as defined under 12 U.S. Code 5481. According to 12 U.S. Code 5536, it is a prohibited act ( A ) to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or ( B ) to engage in any unfair, deceptive, or abusive act or practice ; I am demanding Capital One provided the required notice of disclosure or block and remove the tradeline.
Consumer complaint received 2020-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (MI)

During the first part of Covid-19 Pandemic I was temporary laid off from work.I called Upgrade loans to inform them of the situation And they put me on a three month Payment Reduction Plan.After the 3 months was up, I went back to normal payments.I made a normal payment the first part of XXXX, XXXXNow that I made normal payment, im getting calls from upgrade asking me when im gon na make payment and emails saying im behind.etc..Im not behind and never been late ... ..upgrade needs to stop with these calls and put correct info into there computer system.I hope they are not informing the credit bureaus wrong information.And ihope they are not charging me late fees and interest.
Consumer complaint received 2022-09-13
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. (MD)

The Inquiries List Below XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX  XXXX XXXX XXXX ) XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XXXX XXXX ( Finance )
Consumer complaint received 2020-05-01
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. (NY)

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

in my credit report shows an address in TN that is not mine ( I never live at that address ) and also a collection that i have no idea who it belongs to. I disputed but the credit agencies won't remove it from my account. I never live at the address it shows in a state that i never lived in. they are charging me {$2900.00}
Consumer complaint received 2023-02-07
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. (NY)

Good morning I have sent 3 letters of dispute to the 3 credit bureaus XXXX, TransUnion and XXXX asking that they verify that the accounts are verified that they send me proof with the contract and my original signature and that if they are not removed from my credit report and still they still appear after 2 rounds of dispute cards XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX************** Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account TransUnion XXXX XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account
Consumer complaint received 2018-06-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (KS)

Transworld systems is threatening to take my mom 's assets. We have Tried and tried to make a payment plan they won't help us. My mom is the co signer and I'm on the loan as well. They won't even talk to me after being very rude and threatening us.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX Citi Card charged an auto pay against my checking account in the amount of {$290.00} and previously instructed by myself. Instruction was to pay statement in full. 

On XX/XX/XXXX Citi Card charged to my checking account {$1100.00} which was the balance since the last statement but the XX/XX/XXXX statement had yet to be produced. 
Called Citi Card customer service, XXXX, to which the agent agreed the charge to my checking account was premature and would process a reversal. 

On XX/XX/XXXX called customer service and talked with a Supervisor, XXXX. XXXX advised she would follow up on the reversal which should be completed by Friday XX/XX/XXXX. 

On XX/XX/XXXX called XXXX again, reversal and credit to my checking account had not been completed. XXXX advised she would expedite which should complete by Monday, XX/XX/XXXX. 

On XX/XX/XXXX called XXXX again, reversal and credit to my checking account had not been completed. XXXX advised the reversal was approved on XX/XX/XXXX and would take another several days to credit my checking account. 

Help,