davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2021 a Fraud alter was added to my personal profile. on XXXX XXXX i received a checking debit card in the mail that I did not apply for. i called capital one and an account was opened in my name. there were no transactions at the time and the account was closed. i filed a complaint with capital one and was to receive a letter that I was a victim of identify fraud. to date I have yet to rec anything. XX/XX/XXXX capital one sent a change of address letter to changed to another state. 

Now capital one continues to send me several unwanted pre-approved credit card applications,. i have called capital one several times to rectify the security breech in this process, i get international representative that dont know what to do. I've set on the phone over 2 hours each time to rectify my issue. i spoke to us representatives that don't know what to do, send me to XXXX and they said that capital one has to remove my name from their mailing list. i continuously get the run around and unsuccessfully continue to receive unsatisfactorily service with a company that is jeopardizing my credit and personal identity
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (CA)

Hello EQUIFAX, Recently, I viewed a copy of my credit report and noticed some old information that I need removed. I am certain that this account is affecting my credit scores, and denying me of loans that I need for business expenses and costing me too much time and money every year. 

Listed below is the account that I have identified, and want to have removed. 

XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I ask kindly that this accounts to be removed from all current and future credit reports. 

Also, I would appreciate if you would please forward me the information of any individuals and or organizations you reached out to so I will be able to follow up with them|on my end. 

I am certain that 30 days is plenty of time for your company to look into this account. 

I believe that under Section 611 ( a ), it is clear that the failure to investigate this accounts within 30 days constitutes a reason to permanently remove the information from my credit report.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems Inc has reported false, nonexistent debt to the credit bureaus twice this week. I have contacted XXXX  HospitalXXXX XXXX XXXX to verify that Medical Data Systems should not be reporting any new collection accounts to the credit bureaus, yet they have done this twice in the past 3 weeks. There is no record of a debt owed, so they are opening fake collection accounts in my name. They are destroying my credit score by committing this fraud.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Acceptance Corporation (GA)

As of XX/XX/2018 I have contacted World Finance Corporation regarding a former loan with their company that was in my name, but was discharged under Chapter XXXX   bankruptcy last year. This company is still reporting a past due balance to one bureau, and late payments after the bankruptcy was discharged to another. I have mailed certified mail, called, and mailed a second letter by certified mail today XX/XX/2018 to their office in XXXX, SC.
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

In   XX/XX/XXXX  ,  WELLS FARGO B ANK in Florida,  XXXX   XXXX , added an extra Premium Checking account ( ended  XXXX  ) without been authorized by us.   Late fees and charges been added, for many months jeopardizing our financial reputation.   As today,   XX/XX/XXXX  ,  W.F.  personal banker in  XXXX   XXXX , was not able to provide to me, any document, statements nor authorization and I requested to close the account.   A case #  XXXX  was created and the latest fee was credited.
Consumer complaint received 2024-05-16
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have always been great paying my credit cards on time even during the pandemic. I am a XXXX XXXX XXXX. I have a great job steady job with XXXX XXXX, but when I was hired in XXXX, I was hired in XXXX and the opting in for the 10 month pay was closed. Therefore, I did not have income during the summer. I had to use my saving 's to pay to live. I called my credit cards and informed them and was very communicative about the matter. Several cards did not work with me and my credit has gone down. It seems after the XXXX  the minimum payment went higher and its just ridiculous. And the late fee is also ridiculous and some will only wave it once a year. I am utterly upset that I am a 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 am there to provide services to every XXXX XXXX XXXX XXXX have worked so hard to get my credit up and during XXXX XXXX everything went down with no help.
Consumer complaint received 2018-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As of XX/XX/2018, I have numerous credit checks placed as " hard credit inquiries '' on my transunion credit file. I have not permitted a large number of these checks on my account. There are approximately 4 of 16 that I authorized. I believe I am victim of the transunion data breach or deletion and re-entering of inquiries. I have sent certified mail to Transunion as well as the companies that placed the inquiries.
Consumer complaint received 2017-06-07
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: EQUIFAX, INC. (CT)

I disputed accounts that were reporting incorrectly on my credit report. After the investigation was completed. I received an updated report from Equifax showing the accounts had been deleted. Well 2 days later all the accounts that were disputed and removed were placed back into my account. Also all my closed student loans that have been consolidated were placed back on to my report as individual accounts. I called the credit reporting agency and was told I need to dispute the items all over again.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I have disputed this account numerous times. I 've never owned an account with Afni Inc . I have contacted each credit bureau of which this company has reported a debt under my name. The company can not verify any account under my name with them. 

As a result, I have been penalized with higher than usual apr rates for credit I have been approved for on loans and other lines of credit. I have also been denied credit when needed and housing twice, or charged larger deposits. 

It is unethical and illegal to try to falsely collect a debt that does n't belong to someone.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been in the process of building my credit and received a notice from  XXXX   XXXX  that my credit scored changed. When I logged on it had dropped significantly! When I reviewed why ... .there are  XXXX  debt collections on there that are from  2013 . I do n't recall ever receiving a letter to settle and I do believe it 's from a previous bankruptcy charge off - it 's been well over  four  years.     Not sure how I can get this off my credit so that I can continue to rebuild it. Any help / information would be greatly appreciated.
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (FL)

I have a n Auto loan with Bridgecrest Finance comp any when I lived in  XXXX . I am trying to get tags to my car in  XXXX . I faxed the a form for them to send my title to  XXXX  the end of  XXXX . I called them the beginning of  XXXX  to see if they sent my title to  XXXX . They said they did n't get the form. I faxed it again the beginning of  XXXX  and called them to see if they got it. They said they did get it and it would take abou t 3 to  5 days to get my title and send it to  XXXX . I have been calling them at least once a week to see if they sent my title. They keep telling me they have to get the title and send it. They keep telling me it will t ake 3 to  5 days. Now I have been out of work for 5 days and still ca n't get my tags because they are refusing to send it. My next car payment is due on  XXXX / XXXX /   2017  and I do n't have the money to pay them due to me being out of work due to them not sending my title.
Consumer complaint received 2017-10-16
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. (NV)

I had purchased a home back in XXXX XXXX and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. XXXX XXXX XXXX XXXXid agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to XXXXXXXX XXXX. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX XXXX EST in the morning I was called by Chase credit card services about the c debt I owed towards my credit card. The balance is around $ XXXX with the Minimum payment around XXXX Dollar and the account is closed. 

As a debt collect from Chase bank was attempting to collect my debt, I was ready to give a small amount that I could try to spare but before that they had told me that I could get my account reset after the conversation that I had with them about it being closed. They indicated that I could get it reinstated after paying XXXX dollars before Friday of XX/XX/XXXX. ( Chase has this call recorded ). I knew that these type of deals don't come all the time so I took that offer and put aside what I needed to in order to get this nice deal they were offering me. 

I then went forward with paying her the XXXX for XX/XX/XXXX. I then scheduled the other XXXX on XX/XX/XXXX cause I was able to get by avoiding my priorities. I then called to make sure it was good to go after the schedule payment goes through. Talking to 3 representative all telling me that it's impossible to re-open a closed account and told me that the representative basically lied to me then proceed to tell me sorry and that's it. I got extremely upset not just because that representative had deceived me or mislead me in me thinking " just to get me to pay a large sum off '' but me avoiding my priority in order to get this deal from them.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I have 2 accounts with them and they closed both accounts without notifing me and has report me 30 days late about 4 or 5 times. I have tried to contact them but get no response. I have paid on time. I tried to setup auto payments but they will not accept it.
Consumer complaint received 2015-04-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (WA)

Received a call from a representative, was told I had an XXXX backed credit card at XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX - which is not true. I asked for proof of the debt and the person I was speaking with said to check my credit report, which I do frequently - there is no such listing on my report. They said they were going to serve me with papers and needed to verify my address. I asked again to discuss the history of debt and was hung up on. I called back and again was hung up. The phone number I dialed was XXXX
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to Experian, XXXX and XXXX. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to XXXX XX/XX/2022 tracking # XXXX Letter mailed to Experian XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

I have received repeated calls from  Trans World Systems, the  last call was received on  XXXX / XXXX / 2017  at  XXXX  from  XXXX . During this as well as previous calls, I have requested for them to send a bill. I never received a bill from the original creditor,  XXXX   XXXX   XXXX   XXXX , and received  XXXX   notice from Trans w orld several years ago. When I received the only collection notice I got, I attempted to go to their website to pay the bill, but it would not allow me to pay, it stated the account was closed. I have since begun receiving calls again, and they have yet to send a bill, statement, or anything. I have verified my address, and nothing. They are insistent that I pay the bill over the phone, but I will not do so without receiving something in writing, especially considering the scam reviews this company has received from other customers. They have also submitted this account under  XXXX  different business offices to credit agencies ... ..the same account!! My credit is being ruined for {$590.00}, I am being harassed, and they ca n't even provide documentation that I owe a debt.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

Purchased home that was forclosed twice directly from  Ditech  in  XXXX  I  was told all  XXXX  and  XXXX  taxes and home owners fees would be paid by them since i wasnt living there when the fees occured. And I would only be liable for  XXXX  Hoa and taxes. I recieved a letter from  the Home owners Association i n  XXXX  stating the  XXXX  was n't paid and a lien could be put on my home.I contacted ditech and ask why they didnt pay the  XXXX   Hoa  fees and did the  XXXX  taxes come out my escrow. Causing additional shortages in my escrow account in my previous complaint. Its been  two  months still no answers.My payment went up {$300.00} from escrow errors .This company constantly makes mistakes and hold the consumer responsible.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I am an unemployed Californian that receives his payment via debit card. Since first receiving my card approximately a month ago, it has been blocked three times, all without notice of any kind.

This has caused embarrassment and a scramble to pay bills.

The first two times I called, I was able to get the card unblocked with minimal problems and both times received promises that it would not happen again, and if it did, BOA would notify me.

Both those promises were untrue. The third time I called, I was placed on hold for an hour and then given a full " Know Your Customer questionnaire. '' In my frustration, I made two mistakes that I clarified but was told that it was too late and that I must go to a branch with two forms of identification, which is ridiculous and inconvenient. This whole process is so bad that I wonder if BOA is deliberately making it so. Whether or not they are doing it on purpose, they have effectively cut me off from needed funds three times in a month. And are now making me jump through hoops to get it back.
Consumer complaint received 2016-09-20
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BOK FINANCIAL CORP (NM)

Mortgage lender, XXXX XXXX, of Bank of Albuqurque, recently sent me an email stating he wants me for his new home improvement line of credit program, after he recently refinanced our home through the XXXX His assistant urged me to apply, and reluctantly I did, stating to her I would be turned down. She said no, I would not. I went ahead, and she called back and said I was turned down. So that burned me pretty good. And it was apparently mean-spirited. Or just incompetence.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

Back in  XXXX  of  2016  I was a victim of  XXXX   XXXX  and suffered power outage for a week as well as property damage that caused a financial hardship. I contacted Navy Federal Credit Union for assistance and was provided " assistance " with payment forgiveness, which I later found out was not handled correctly in accordance to their disaster relief polices and subsequently was further impacted due to the mishandling/misinformation provided and ultimately lead to my credit report being impacted. Since then I have called numerous times as well as submitted hardship documentation through their online website in an attempt to reconcile the accounts in question and prevent them from continuing to fall past due. The Specialis ts at Navy Federal have provided me misleading information as well as have not followed up with me as promised on multiple occasions. I  have asked to be contacted by what they call their " personal finance management " team and promised a call back on several occasions and have to this date not received any follow ups yet I get collection calls daily. Please look into this matter, I can be contacted at  XXXX  and my name is  XXXX    XXXX
Consumer complaint received 2020-05-28
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. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-06-07
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: Experian Information Solutions Inc. (NJ)

I filed a dispute with Experian on XX/XX/XXXXregarding several inaccurate items on my credit report. One was a judgment entered in XXXX XXXX, NJ which was paid in full. They obviously did not investigate this item and left it unchanged on my report. Same with a car loan with XXXX. I have a payment plan in place with XXXX and I make monthly payments each month on time. Experian is still reporting it as written off and still showing the original balance. Three other small credit cards also were paid in full in XXXX, XXXX and XXXX of this year. I disputed all 4 as they have a XXXX balance, Experian is still showing the balances as written off. A collection account with XXXX resulted from a dispute with XXXX XXXX in XX/XX/XXXX over a termination fee when I switched carriers. This account is too old, should be deleted and has been from my other reports. Experian did nothing to update my report at all during its dispute investigation. I tried to refile my disputes and upload documents and their website is completely ineffective. It gives error after error despite the fact that my documents meet their size and file type criteria. It also would not allow me to restate my disputes for the accounts still showing inaccurate information, therefore, it is purposely reporting incorrect information damaging my credit.