davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: LEXISNEXIS (AZ)

my XX/XX/XXXX Lexis Nexis report is WRONG ( see attached ). 
XXXX XXXX XXXX XXXX laced my Lexis Nexis report with false entries with ( fraud & violation of FCRA ). 
I do not own XXXX XXXX 
I do not have insurance XX/XX/XXXX thru XX/XX/XXXX on XXXX XXXX 
XXXX XXXX FRAUDUENTLY LACED MY LEXIS NEXISW CREDIT REPORT WITH FALSE ENTRIES and they are accountable to DELETE XXXX XXXX immediately.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

ERC - Enhanced Recovery Company has repeatedly sent me mail and called me excessively stating that I owe a debt to them in the amount of {$3400.00}. I have wrote them several letters disputing the validity of this debt. They have never responded to my letters. The last letter that I mailed them they refused to except the letter at all. They are reporting this inaccuracy on all 3 credit bureaus which has lowered my credit score drastically. XXXX XXXX XXXX previously attempted to collect on this same inaccurate debt and upon realizing this was not my debt and several letters to them they removed it from my credit bureaus but then sold it to ERC. This is harassment and I will file a complaint with my attorney general 's office if this does not stop.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (IL)

I opened up my SoFi account for a job I applied for to use as direct deposit. I finally realized the company was a fraud. So I checked on my account w SoFi and sure enough a person took the money out as a friend transfer. I dont know the person. I didnt authorize it. The company asked for me to send them the communication I had w the company to prove my case. Every time I tried to send it to the email they told me too it comes back unauthorized. Now when I call in on their phone number it disconnects me. I had to call in on the new loan number to get someone. I was transferred everywhere. I feel this SoFi is as much of a fraud as the XXXX XXXX XXXX  Its only XXXX but its the purpose and what these people are doing to others. I appreciate your time and help.
Consumer complaint received 2020-10-20
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. (NY)

As I notified Experian before I XXXX XXXX am a victim of identity theft and i did go on my computer to send this dispute myself
Consumer complaint received 2020-06-02
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2016-01-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AZ)

Freedom Mortgage cashed my XXXX 2015 check, yet did n't apply it to my loan account. I then received a letter in the mail saying the XXXX payment was late. I called them saying the check cleared my bank on XXXX XXXX. They had no record and I was to send them in the mail a copy of my check being deposited by them. A week after I sent in the check i was called from them bill collecting. I explained my issue, they lady saw my check was received but just sitting on my account. She was going to have to open a ticket to get it applied and assured me it would be applied on XXXX XXXX of when they got my check originally. I called today XXXX XXXX and they applied my XXXX payment on XXXX XXXX! Just got off the phone and now it is going to another XXXX departments to get it applied on the correct date. Very frustrated as I have done nothing wrong yet these people are screwing with my credit.
Consumer complaint received 2020-10-20
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: Conn's, Inc. (SC)

I received a past due bill of {$370.00} in XX/XX/2020 because someone took out a {$5000.00} credit loan from Conns XXXX XXXX in which I never opened an account from or bought things from. I have contacted the fraud department. They sent me a form, I have to file a police report and a FTC report and this report.
Consumer complaint received 2015-07-10
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I received threatening phone calls from XXXX XXXX XXXX who is representing a client called Gateway. They told me that I owed on a {$300.00} loan back in XXXX 2015. Gateway states they did n't get paid back and they are charging me with fraud and writing a bad check. I do n't even know who these people are. I tried to explain that to XXXX XXXX XXXX and asked for Gateway 's number. They refused to give it to me. They had my SS #, business and personal phone # s but not the correct home address. They were threatening to contact my employer and make a visit to my home. They want to charge me over {$2000.00}. for this " so-called '' loan for {$300.00}. I went through all my bank statements for the year of 2015 and never did I receive {$300.00} in my bank. I asked why I never received any type of correspondence from Gateway. XXXX XXXX ( the debt collector for XXXX ) said that was not her problem and she was turning it over to the courts in XXXX County for lawsuit. Gateway and XXXX owe me an explanation for putting me through this horrible experience. I 'm ready to fight them in court because there is no way I ever dealt with them nor did I receive {$300.00} in my bank.
Consumer complaint received 2019-10-20
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 (PA)

Capital One is refusing to acknowledge a fraud claim I submitted in XX/XX/2019. I reported fraud and they didn't do a full investigation. I received a letter XX/XX/2019 stating there was no indication of fraud. I have reported this matter to the XXXX Police Department and do have a Dc #. I in my sixteen years with Capital One never one have taken a cash advance out, and never will at 27 percent APR. 

I found out after calling Capital one back and speaking to someone I could understand that someone called a asked for a duplicate card ( THIS WAS NOT ME ) on XX/XX/2019 at XXXX to be sent to the billing address ( MY MOTHERS HOME ) The duplicate card was sent Via : XXXX   XXXX Overnight No Signature to the billing address and delivered to the front door on XX/XX/2019 at XXXX. I never ordered this card. Whoever did stole it / intercepted it and went to XXXX XXXX the next day. 

On XX/XX/2019 the thieves went to XXXX XXXX Bank at XXXX and took out a inside cash advance of {$2800.00} dollars. 

I have spoken to Capital One on several occasions and have gotten nowhere. I am waiting to get the police report to send to Capital One in hopes they will open up another investigation. Capital One never asked for Video from XXXX XXXX for the date of the crime ... they do not hear me when I say i was at work with proof I was there on the day and time of the crime. I understand the detective has been unable to get information from Capital One. 

I want to add not only have a been a customer with Capital One for sixteen years. I have never missed a payment on any credit card / car loan / mortgage etc. My credit score is exceptional  along with ever account I have. I would have no need to take a cash advance out at such a high interest rate.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars XX/XX/XXXX and XXXX of XXXX dollar XX/XX/XXXX experian is reporting this and transunion and I mailed them statements if proof of payment
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was working XXXX, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX Bank and Capital One. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at Capital One did not resolve the fraudulent account and continues to report negative information on my XXXX credit reports. 
I have documents showing that I do not and have not lived at the address listed on the Capital One accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX XXXX XXXX XXXX Office when I reported the fraud. 
Please assist in disputing Capital One 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with Capital One.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MN)

A deposit came through my account on Friday, XX/XX/XXXX to chime from my college XXXX university. Chime advertises that they do not hold money but chime received my deposit and they wont release it to my account and they dont do deposits on the weekends which intern cause me to deal with some issues in regards to my finances, I talked to a manager at Chime and he stated that they do not do deposits on the weekends. They advertise they dont hold peoples money but if a deposit comes through on a Friday night into Saturday morning, they will hold it till Monday and thats not fair to the consumer.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since the year XXXX I have disputed with the XXXX major credit bureaus after discovering several credit cards and other accounts opened without my consent. After 4 years of failed efforts on my behalf I obtained the assistance of XXXX XXXX, As of XXXX XXXX XXXX identity theft victims complaint and affidavit was filed with additional documents was submitted to Transunion XXXX XXXX and after a new investigation and verification of the claim made my whole credit profile was erased. The gross negligence of the XXXX credit bureaus since the identity theft occurred to present day has me disfranchised I unable to obtain financing for a new home, vehicle and even gainful employment. Currently they are reporting inaccurate incorrect & negative information on my credit reports I have several credit inquiries I did not make a account with XXXX which is open and current being reported as closed, the length of my credit history is incorrect several versions of my name as aliases and several versions of my address. I am domicile to XXXX, PA XXXX & a private mailbox mailing address as XXXX, Pa XXXX for security reasons to protect and prevent further identity theft.
Consumer complaint received 2016-05-26
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I refinance with Fifth Third Bank in XX/XX/XXXX in XX/XX/XXXX I got a refund of XXXX from my escrow account, in XX/XX/XXXX I received XXXX from my escrow, for XX/XX/XXXX Fifth Third Bank said that I owed them XXXX I call Fifth Thrid Bank and ask why do I owe you, and the lady said that my homeowner insurance went up XXXX for XX/XX/XXXX and my taxes went up XXXX. I said to her where is the rest of money from escrow and she could not explain it to me. I was told to go to my Fifth Thrid branch and have them to explain to me what was going on with my escrow account I did go to the branch and they could not help me either. Can you help me with this matter. My contact information is ; XXXX XXXX XXXX. Thank you.
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

As of XX/XX/2023 I am unable to login to chase.com online web portal to see my transactions and do anything else with my account. Right after login I presented the screen requiring me to accept some new agreements. First agreement is 10 pages long, and second agreement is 125 pages long. It is unacceptable to block access to my account before I read 135 pages of legal text. 
Also there is no option to decline or even contact customer service via secure message, since I need to log in before that.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (MA)

I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the  XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a  conclusion. Thank you. XXXX XXXX
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

This HELOC account went into default XXXX. XXXX reports the last activity date of XXXX ( when the house foreclosed ) however, they continue to report 90+ days late as of XXXX ( 6.5 years later ). We sent XXXX credit bureau dispute letters however, XXXX has failed to fix the reporting issues. Please CFPB step in and require them to remove the lates after the account charged off. This is account is now 6.5 years old. It should be falling off my credit report all together as of XXXX. This item is reporting to mine and my husband 's reports. XXXX XXXX.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I pulled up my TransUnion credit report, and found some false information regarding a previous vehicle I had. I purchased a vehicle from XXXX at XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX, that I was still paying for when I had got into an accident. My insurance company at the time was XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX had XXXX of their insurance reps and body shops, XXXX XXXX XXXX in XXXX, Ohio look at the vehicle. It was later determined that they where going to totally the vehicle. I informed XXXX that I was still paying on the vehicle, and so XXXX contacted XXXX XXXX himself and cut him a check for the remaining balance. XXXX XXXX XXXX has the check numbers, when it was issued, and cashed!!!! to XXXX XXXX. But XXXX XXXX falsely reported to the credit companies that the car was a repossession, which it was not!!! This false reporting needs to be removed from my TransUnion credit report. This issue does n't show on my other credit reports and is even more reason why this needs to be removed asap!!!
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Requested to have comments/ remarks removed from credit profile for purchasing of home received notification that request was completed but wasn't actually done. Had to call back and request same thing again and requested that it be escalated was told by previous rep that there was no one I can escalate my issue to and disconnected on.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all XXXX credit reports.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I receive an email saying " An event occurred that could impact your credit score. Please log into your account to find out exactly what happened. '' When I log in, there is no indication any event -- mainly there are a number of marketing ploys, all of which cost money. Many of the ploys lure you into asking for additional information, then have you " place and order '' that you are unaware you will pay for. 

This seems to be behavior that should not be tolerated by an entity which we require to honestly and straightforwardly deal with our credit.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NC)

On XX/XX/22 Discover financial ser. placed a inquiry on my credit report and I did not apply for credit from Discover ever! 

On XX/XX/XXXX XXXX XXXX  , placed a inquiry on my credit report and I did not apply for credit from XXXX before . 

On XX/XX/22 XXXX XXXX  placed a inquiry on my credit report and I did not apply for credit from XXXXXXXX XXXX before. 

On XX/XX/22 XXXXXXXX XXXX, placed a inquiry on my credit report and I did not apply for credit from XXXX XXXX before.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020, I opened an account with Capital One with the intention of receiving a {$100.00} checking account open bonus. I firmly believe the account opening process is in violation of UDAP because Capital One required me to fund my account before telling me I was ineligible for the checking account offer. If I had known that I would not qualify for the offer because I currently or previously had a Capital One account, I would have never opened the account.

Capital Ones offer is misleading in that Imopened my account and funded it before I was told I was ineligible for this offer.

I called Customer Service at Capital One and talked to XXXX on XX/XX/2020 at approximately XXXX XXXX  EST. XXXX led me to believe that I misunderstood the offer and that the computer system would have told me that I was ineligible for the offer before it opened the account. This is incorrect. The account was opened, I funded it in the amount of {$300.00} and only then was I told that I was ineligible for this offer.

I have attached screenshots of the offer and the messages I received when I opened my account.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

hi my name is XXXX XXXX i tryed many times to have XXXX ohio federal court files removed from my transunion and all other credit reporting bureaus to have this info removed and they will not do anything about it i have contacted and disputed with all party, s in this matter so i would like to file a complaint on transunion and the other bureaus reporting this info on my reports here is a copy of my transunion report and the XXXX ohio federal court files that i X next to then needs to be removed from my reports as a us citizen i should have the right to have this info removed from my report thank you
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I wrote Trans Union to remove all hard and soft inquiries from my credit report that are suppose to come off because it has been two years. I was told when I called they are not removed by them I would have to call the company. Well, I have done that and was told Trans Union need to remove them. XXXX was suppose to be removed in XXXX XXXX, I applied in XXXX XXXX, XXXX and the Credit Union is suppose to be removed soon XXXX XXXX, XXXX as well. The XXXX, Trans Union has it being removed in XX/XX/XXXX, that is more than XXXX years. I want them deleted. A coworker had hers removed with no problems ( she is not XXXX XXXX ) so why do I have to contact the companies?