davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I've been a long term customer on auto payment with no issues since XXXX. I recently pulled my free credit report and it shows a late payment hits in early XXXX. DatesXXXX- XX/XX/XXXX. I have reached out to Capital One and had a horrible experience with how I was Treated and their expectations from me when nothing had changed with how I manage my accounts with them. 
Capital One had froze my account in XXXX and when I called to resolve the Issue, they were unable to assist with out me sending a copy of my FULL Social Security card to an email. This was after i verified my full name, address, card number and last 4 of my SSN. At this point I transferred my remaining balance to my new card with XXXX XXXX XXXXXXXX, I was not able to close the account. This was during the height of COVID when it was virtually impossible to get a hold of creditors. 

I hope that Capital one will reverse the XX/XX/XXXX and XX/XX/XXXX 30-day late hits with the Bureaus due to account issues ( through no fault of your own ) with the onslaught of COVID. 

Please let me know if you have any questions. 
Thank You
Consumer complaint received 2017-09-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is to inform you that I sent money to the following number and email XXXX XXXX. After sending these transactions the beneficiary didnt receive the money into his account but only received a text message just like that in the attachment shown. I filed a compliant with Bank of America the company involved with sending and receiving the amount and they rejected my claim stating that the money was sent and we can not provide you the above claim of {$100.00} and the claim number being XXXX
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was called today on XX/XX/2018 and have been repeatedly called by this company to collect a debt that I do not owe. ( There is nothing on my credit report. ) Many times they refuse to identify who they are.

They have also called my wife, parents, brother and sister to collect a debt I do not owe, disclosing details about the alleged debt. My parents were threatened that I would be prosecuted if the debt was not paid.

This has gone on for years. Approximately two years ago I sent them a cease and desist letter demanding that they stop calling.
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender was provided a loss mitt package to review on XX/XX/XXXX - was advised this was never received - the package was re-submitted on XX/XX/2017 - was advised that our QWR and NOE was received on XX/XX/XXXX and was under review. The lender has advised that they will not postpone the sale for the research of the loan to be completed and will not review the file for a loan modification - the information was received in more than enough time for a decision to be made on the loan for the assistance being requested.
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hello, My credit has not been updated accurately, I have paid all of my bills on time, and I recently found out that my car payment was not report for over 5 months so, that effects my credit score also this month they drop my score stating my balance on my car went up which is not correct. I pay over the amount due every month. This needs to be corrected I am looking to buy a house and with these in accuracies and discrepancies I will definitely have issues. I have filed several disputes with the bureau, and they have not been resolved.
Consumer complaint received 2019-10-25
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. (CT)

I want XXXX XXXX to report a positive a positive payment on my account. XXXX XXXX is part of a class action settlement due to issuing XXXX insurance. As part of the settlement I am suppose to receive a 30 day delinquency removal from my account. I am working hard to be on time on my payments and to be current.
Consumer complaint received 2017-09-29
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. (MN)

Equifax had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and do n't belong to me. The following hard inquiries are fraudulent and unauthorized : 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/XXXX
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Over the past several months, I have seen my Credit Score drop almost 40 points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, XXXX XXXX
Consumer complaint received 2017-09-28
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. (MN)

Equifax needs to lose it 's license. They admitted to me that I was one of the 143 Million people that had their private data exposed.
I have been harmed in the fact that I will never know if my data will be used for nefarious purposes.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$720.00} XXXX XXXXXXXX Balance : {$200.00}
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX  purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.
Consumer complaint received 2017-09-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies ( CRAs ) with an open date of XXXX XXXX, XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately. 

I have tried to resolve this issue with XXXX XXXX multiple times via phone calls ( XXXX XXXX, XXXX XXXX, XXXX XXXX ), emails ( XXXX XXXX, XXXX and XXXX XXXX, XXXX ), and written letters ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards ( XXXX XXXX ), auto loans ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ), and has increased car insurance quotes ( XXXX XXXX, XXXX ). 

XXXX XXXX claims that I was refunded {$350.00} on XXXX/XXXX/XXXX and another {$350.00} on XXXX/XXXX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1 ) there was a {$350.00} withdraw from XXXX XXXX and 2 ) I never received the {$350.00} in return to my bank account on or around XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate {$350.00} returns on XXXX/XXXX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XXXX/XXXX/XXXX. 

Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date of XXXX XXXX, XXXX. The last instance I was even at XXXX XXXX was XXXX/XXXX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs. 

In addition, I have tried resolving this with XXXX, XXXX, and TransUnion. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports. 

Attached you will find screenshots of my bank statements proving that I absolutely paid the {$350.00} and a definitely NEVER received a {$350.00}. XXXX XXXX XXXX debt collection needs to be removed from my Credit Reports immediately.
Consumer complaint received 2017-09-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are XXXX different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into XXXX account. Therefore, for the last XXXX months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last XXXX months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made XXXX payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the XXXX major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
Consumer complaint received 2017-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Merchants Acceptance Corp (AZ)

In XXXX we had a XXXX XXXX salesman come to our military housing and sell us a vacuum. They 'financed ' our vacuum through Merchants Acceptance for {$37.00} to be debited our account on the XXXX & XXXX every month for 19 months. My husband and I signed the finance paperwork and the receipt for our vacuum. We never received a bill, statement or any mail or email communication from either XXXX or Merchants Acceptance but they debited our account for the agreed payments. We moved, changes accounts, and my husband lost his job so we missed a few payments. Without any communication, I did n't know who to contact. They finally started calling me. I tried to have them add the overdue to the end of the loan, but the person at Merchant Acceptance said he did n't have access to my payment history, my balance, or how long we had left to make payments from our original agreement, just that I owed $ and needed to pay the total for the missed payments. I asked how I could access that information and he said they 'd have to mail me a statement. I got 1 statement that was very unclear on where we stood with the loan. I still owe them $ and would prefer it be added to the end of agreement due ti financial hardship. But that time should have passed already and they 're still debiting my account. Today they sent an employment verification to my employer. They had cut the signature line from my finance agreement ( that was not dated ) and pasted it on the employment verification. I did not authorize it or sign that form. What purpose could they have for photoshopping an employment verification? I dont know what I owe them, my payment history, or my overdue balance. I would like to resolve this but I do n't like that the do n't send statements or that they pasted my signature on an employment verification.
Consumer complaint received 2018-03-23
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: Experian Information Solutions Inc. (GA)

I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have received letters/emails from several companies stating that they have denied my application. 

1. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
2. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
3. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
4. XXXX dated XX/XX/XXXX email. 
5. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX XXXX was a Hard inquiry through XXXX. They also have been notfied. I have changed most all of my passwords for various accounts.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (UT)

On Friday, XXXX, I was signed up with XXXX XXXX with a new Mobile Phone, and received a new Mobile Phone Number. Today, XXXX around XXXX EST, I logged into XXXX , then to PayPal Credit 's Website/Service ( which is maintained by Synchrony Bank ) to change my phone number on record. I found out I could not do so over the internet, as I would need to receive a Verification Code to my previous Mobile Number to access my " Personal Information. '' However, I phone number was provided & I called.

However, when I explained what I wanted to do, the Customer Service Agent said that to change my phone number of record, she would have to send an SMS ( text message ) to my *new* mobile number containing a link. I would have to click on that link, and then record a video showing myself and my Photo ID ; which would then be sent to Customer Service over the Internet for verification. 

I was shocked! I attempted to explain how I believed that sending a video over the Internet that contained my Photo ID would be a high-level security risk. Also, that how I believed people *could theoretically* gain access to this video, and thus, my complete Photo ID. And, then, with my complete Photo ID *potentially* leaked onto the Internet, I could become a victim of Identity theft. 

The Customer Service agent did not listen to any of this, and just kept repeating that her company was dedicated to my security. She eventually offered the option of mailing me a letter with a Verification Code that I could then call back with to have my phone number changed. I told her to just send the letter. The Customer Service agent kept speaking about security ; however, by this time I had been on the phone for nearly 11 minutes, and was tired and frustrated, so I merely hung up. 
However, the very idea that Synchrony Bank 's *default* Security process is to send a video containing a person 's Photo ID over the Internet is outrageous. I believe they need to seriously overhaul their system. For instance, identification verification on some websites merely requires a Photo ID to be uploaded as a picture using a Secured Server. That is not a much better process, but it's certainly better than a video sent.
Consumer complaint received 2021-09-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (NM)

On about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, MBFS report 3 missed pmts in my credit report when I had no clue that the loan was even late, my ex girlfriend is the primary on this lease and I was never informed to this late pmt!!! She called them crying because they had a repo status on this car. So she called me while they were on the phone explaining that this was due to Covid-19. I then pay the late pmts in full to catch this loan up and ask MBFS why I wasnt called when it was 30 days late. They told me that the dealership never included my info on the lease which I found to be not true as the took my info for the lease. My ex couldnt get the lease in her name as her credit wasnt good enough so they had me co-sign on the lease. I have asked them if this is the case then why did the need my info. I have called them repeatedly to remove the late pmts on my credit file as I had extremely good credit at the time and it dropped my score due to her missing the pmts. I find this disturbing as I was never informed of the late pmts but still being held responsible.
Consumer complaint received 2019-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Yes I have a problem and I contacted CONSUMERFINANCE.GOV I took out $ XXXX of school loans for a degree in which I cant even use. The loan went from $ XXXX $ XXXX and it keeps growing. $ XXXX in 7 yearsand no one is helping me at AES. 
Its a Federal school loan.. 

I am in financial ruin. I get no where but threats from AES. Threats of increasing interest rates. 

I have been not paying because my loan repayment and interest rates are fraudulent. 

* failing to count qualifying payments that were made to previous servicers ; XXXX failing to count qualifying early payments that were not received within the billing period ; * falsely reporting to third parties that students loans were in default when they were current. 
XXXX Increasing and decreasing interest rates without communicating with me or letting me know. 
* Outrageous interests rates and hiring predatory loan collectors.

XXXX Trying now to get me to re-consolidate in order to get off my credit report. I cant agree to a reconsolidation when this original loan is fraudulent. 
* Not reporting money I paid. 

No one is helping me. I tried calling attorneys, I tried calling consumer advocate groups. No one is helping because this is a FEDERAL LOAN. 

I need help! This is ruining my life, I cant buy a house, I cant buy a car, I cant do anything. My credit is shot $ XXXX in interest over 8 years>? I need help! My entire family is on the verge of homelessness because of this outrageous loan. I dont know where to turn.. 

I need help please. 


XXXX XXXX
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (OR)

I have applied for several credit cards from credit karma that advertised i was peeped for but was declined for. This has lead to negitive information on my credit report and an now waiting on buying a house until its disappears from my credit report. I see this is a reoccurring problem from credit karma.