davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (VA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE THREE MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IN)

My US Bank debit card was locked the evening of XX/XX/20 due to suspicious activity. This was legitimate activity and I figured would be quick to resolve. I was emailed a number to contact the fraud department to unlock the card. I tried multiple times to contact the fraud department at XXXX but am put on hold and after 30 minutes an automated message states that no fraud specialists are available at this time and ends the call. I called my local US Bank branch and they said they are unable to assist me and I have to go through the fraud department. They said I can't come into the branch to resolve the issue. I have no access to my debit card or any funds as the branches are closed for the weekend. I can't even believe that this is legal.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.
Consumer complaint received 2019-11-15
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 (CA)

I sent this letter with payment to Capital One. 

I have been with you for over 20 years and will be cancelling my credit card due to fraud on your part. I called Capital One many times to resolve this concern to no avail. I have also called the renters insurance company who states two payment have been sent in to Capital One on this matter per the transaction in question on XX/XX/2019. 
I contacted renters insurance on XXXX XXXX, 2019 for insurance and called them on XX/XX/2019 to cancel this insurance as my unit was not available as promised. I spoke to XXXX on XX/XX/2019 with the renter insurance and submitted this request online via email from their website as well. 
On my credit card statement for XXXX there is a transaction recharge for {$290.00}. I spoke to XXXX on XXXX XXXX, 2019 who confirmed with # XXXX that this was resolved. I am being harassed continuously for funds not owed by me. I have been a long standing customer and my time is money which you are taking a lot of at this issue to the point I feel retribution of sort should be refunded to me on this matter. 
There should not be two or three payments to Capital One for one transaction. This is unwarranted. 
XX/XX/XXXX 2019- XXXX XXXX XXXX XXXX {$290.00} ( company returned payment ) XXXX XXXX, 2019 - PURCHASE ADJUSTMENT Insurance ... XXXX - {$290.00} ( charge reversed ) XXXX XXXX, 2019 XXXX XXXX XXXX XXXX - {$290.00} ( charge ) No need for me to make an additional payment for something I never received a service nor goods to pay for ... 

Allowing he credit card institution two payments for nothing. Stealing from a consumer is unethical and will be reported to the appropriate officials. I will not hesitate to pursue legal claims sueing on this discrepancy due to this unreasonable payment you are demanding. 
Per supervisor : XXXX # XXXX My statement for XXXX XXXX, 2019 is accurate. 
Not with the charge of {$290.00} for the XXXX XXXX, 2019 rebill charge. Past charge reversals and payments reimbursements have never been handle this way previously. I dont owe this money and will not pay for something I never received and that you were paid for already. 

I spoke to three other customer service representatives who agreed with me and then after speaking with another department stated that I would need to pay this balance. This makes no sense. 

I was forced to pay an additional {$290.00} with no service or product provided.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was current on my car payment before I reached out to XXXX and asked for a payment accommodation due to XXXX XXXX XXXX which was granted by XXXX, I was surprised when I check my credit report and XXXX still reported my account late after I reached out, asked for accommodation and explained my financial situation due to the of XXXX XXXX Account # XXXX 60 Days Past Due ( XX/XX/2020 )
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC (TX)

At the beginning of the Pandemic, CrossCountry Mortgage offered us the option to " pause or skip '' 3 payments under their Covid Forbearance & Cares Act program as most lenders were offering similar pandemic assistance. We were assured by the representative that this would NOT affect our credit. Months later, we decided to sell our home. Once we paid off the loan in full, CrossCountry Mortgage decided to report over 6 months worth of late payments! Our credit scores dropped over 150 points due to this error! We are now forced to rent until our scores improve to purchase another home. My wife & I need our payment history to be updated and reported as on-time/perfect to all 3 credit bureaus ASAP.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I receive unemployment in ca. XX/XX/XXXX I reported that numerous unauthorized tranactions had been made via internet and approx XXXX was stolen during a time when I was very I'll and did not have ability to use or check my card. The bank issued a temp credit then sent a letter stating that credit was now permanent. Then I checked my account was in the negative and they stated that the claim had been closed. I contacted bofa and edd both told me it was because I needed to send identity information to XXXX. Once I did I contacted XXXX and they said I had no freezes or holds. I spoke to bofa and they stated that they would escalate the claim and get it in for reconsideration. The investigation was completed they found it was no fault of my own. But now they are syphoning my benefits from XXXX and I'm still in negative. They never closed my account and XXXX said there was no way for me to stop them from receiving my benefits. I'm on section XXXX I can't pay my pgand e. My daughter goes to school via zoom and I can't pay cable all because bank of america won't put my account back to normal like they stated they would. My name is XXXX XXXX my SS is XXXX. My account number is XXXX. I am devastated. My mom 's maiden name is XXXX my address is XXXX XXXX XXXX  XXXX XXXX Ca XXXX. My phone number XXXX. Dob isXX/XX/XXXX. Please help. I'm drowning in their failure to comply.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (FL)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
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 been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both XXXX  and XXXX have already acknowledged the identity theft and removed this account. However Experian still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXXBalance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXXBalance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2024-05-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

This private student loan originally started with XXXX XXXX during the financial crisis in XXXX and was changed hands several times until it landed with Navient. I have struggled financially for the past four years but have kept my account current ( for the most part ) under a six month interest-only repayment plan. I have had to use them consecutively in that time span to keep myself above water. Each time I come back after six months seeking either a better payment plan or something that I could actually afford this was the only option offered. Since having to utilize this program it has only ballooned my total principal. Again, there is no other payment option offered by Navient for this loan. So after, calling today XX/XX/XXXX and inquiring about any other options I was met with the same response. There is nothing they can do.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (MI)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

Received a debit card for unemployment benefits from the state of Colorado on a US Bank Reliacard. I did not file for. Attempted to send a complaint with US Bank for fraud would not go through email as provided. Also contacted XXXX XXXX with a fraud alert. Did not activate card with number provided.
Consumer complaint received 2020-05-23
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: Lendmark Financial Services (GA)

According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2021-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (FL)

I purchase a car for XXXX dollars I gave XXXX down payment when I get my statement from the bank it says the loan was for XXXX I went to the dealer and ask for the original contract since he never gave me one he was suppose to mail it to me he claims he dont have It the bank sent me a copy and you can clearly see that my signature was forged I have proof that they advertised the car for XXXX online which is where I found and contacted them.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I have talked to the company on multiple occasions and at a point in XXXX or XXXX they had removed it off my credit I have the credit reports proving so but then It is back on and I never have had a credit card. This is stolen Identity I have made a complaint Last XX/XX/XXXX and they still haven't shown proof that I had this card they said it was an online thing and they bought this debt from someone else I never had this and I want it removed. They have been messing with me being able to purchase a better vehicle and a home I've told the credit companies its fraud and I wanted proof and as I said it was removed yet its on here again please help
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Due to the pandemic, I was able to receive mortgage assistance from the County where I live. I had called ahead to make sure my regular payment would not be withdrawn from my account, as I had auto-pay. The first gentleman I spoke with said that stopping auto-pay would not be necessary, but payment hadnt been received. This was in XX/XX/2021. Well my payment for XXXX was still deducted from my regular bank account. I called to inquire as to why. This was early XXXX. The second associate I spoke with over the phone informed me that the payment had been received, it was enough for 2 payments. One was applied to XXXX payment and the other one to the principal balance. I told her I would prefer if it were to be applied to XXXX. This was not done. I called again, still in early XXXX. That associate told me that the payment towards the principal balance would be reversed and my payments would be caught up until XXXX, however, I did need to stop my auto-pay. Come XXXX, I get a notice stating I owed 2 months worth of payments. 1 for XXXX and now for XXXX. I called to clear this up. I spoke to a supervisor. He said the reversal for the principal payment hadnt been processed because the incorrect amount was entered and there was a remaining balance of {$29.00}. He stated he would correct this and issue was resolved, but BofA  did have until XX/XX/XXXX to process request. He also said the late payment would not be reported due to error being BofAs. Ok ... a 4 days later I contacted customer service to set up my auto-pay once more. They let me know that the account was still in the red by 2 payments because above correction had not been denied due to error. Wrong date was posted on reversed payment. I asked to make a 1 time payment until I was able to set up auto-pay. She stated if I did that, above correction would not be processed and it would have to be done again. Highly recommended I wait until XX/XX/XXXX to make a payment. I am very very very frustrated as I do not want this to reflect negatively on my part. If it werent because I call them, they wouldnt of notified me of their mistakes that affects my mortgage payments!!! On the contrary, Every representative I speak with reassures me that the issue has been resolved!!!!
Consumer complaint received 2022-04-27
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)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2020-11-10
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. (PA)

I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.
Consumer complaint received 2020-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (SC)

After numerous attempts to get Bull city financial to remove this fraudulent account from my credit report they still havent removed this fraudulent account I never had any account from them ever. I want to dispute this fraudulent account under the fair credit reporting act.
Consumer complaint received 2023-03-29
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. (SC)

XXXX XXXX is the loan company for XXXX This was never a loan as the car my son received was not working and they are picking it up. XXXX paid for the two months that they left it sit in the driveway. They insist on having it delinquent on my account and still showing late fees, it was never an active loan. I want it off my credit report completely.
Consumer complaint received 2022-10-09
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. (NJ)

XXXX XXXX XXXX reported to my credit report my account is charged as a charge off meaning they receive a XXXX from the IRS, meaning they have a tax credit. They can not collect from me and the irs so I will like them to update balance to XXXX $
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (AL)

XXXX XXXX, XXXX, and XXXX XXXX has accepted a check I sent which resulted in no current amount due. I sent my proof to the credit bureau and they will not remove the debt. I will also attach the checks sent as well.