davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

In XXXX Fifth Third asked for our condo insurance as XXXX XXXX XXXX. 

XXXX from XXXX XXXX sent it to Fifth Third ( confirmation number XXXX ) while I was on a conference call with a Fifth Third representative ( XXXX ) and XXXX. This was XX/XX/XXXX XXXX sent it ... .never made it into Fifth Third system .... my monthly dues went up as they XXXX an insurance by themselves and put it in my escrow ... ..even though I kept on making payments monthly it never got applied to my account as my payment was for previous amount. 

I subsequently called XXXX got the doc myself and mailed it to them at the email address XXXX Talked to Escrow department of Fifth Third 0n XX/XX/XXXX around XXXX PST as by that time they already dinged my credit file with a late entry. 
Escrow confirmed that insurance is cancelled - will take 7 to 10 business days for that to post to the account. 

In parallel they kept on returning my payments to me in check as it was not matching the current dues - all this while they knew that the above has happened. They finally settled this in early XXXX and their credit department dinged my credit by saying I was late ... ..as they did not accept my payments for my regular amount {$2600.00}. 

Please note ... that they confirmed on XX/XX/XXXX that they have cancelled the insurance on their side since they got the necessary document and yet they still dinged my credit file for XX/XX/XXXX as being late when the escrow agent clearly guided me that the additional payment showing due for me will get cleared as they remove the insurance they had put in escrow from my account. 

I asked for an investigation into those late payments entry in my credit file to Fifth Third and the answer came back as a one page canned letter saying they did not do anything wrong. 

The late thing resulted as they did not accept my older payment and returned in spite of the delta increase being resultant of process gotcha on their side and they had full knowledge that I was working with them to sort it out when it was not even my issue. 

Just so you know they did it this year too ... .. this year they sent a paper mail asking us to upload the document into a site ... i did not even depend on XXXX  ... I got the doc and uploaded to that site myself .... got an email confirmation on XX/XX/XXXX and yet on XX/XX/XXXX I saw they pulled a insurance and put it into my account ... .the reason being the systems process on their side is so flawed that even after i uploaded the document to the site they asked me to it still did not attach to my account .... but being burnt once I was alert so caught them early before the above story repeats itself and got it straightened out.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$27000.00} XXXX XXXX  XXXX {$240.00} XXXX  XXXX {$68.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} US DEP ED XXXX {$2600.00} XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2020-09-22
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. (NM)

I've been having an issue with Equifax to get XXXX XXXX XXXX  XXXX XXXX  XXXX off my report. This is in Lousiana. I don't live in Louisana. I live in New Mexico. I have XXXX as my internet service in New Mexico. This is not me! I also want to know who put this in my name if possible.
Consumer complaint received 2017-08-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (CA)

On XXXX XXXX, 2017, I received 3 statements from Charles Schwab, indicating that I had recently opened up accounts with them. Each statement had 3 different account numbers listed and wanted me to verify my information was accurate. I had no knowledge of opening up these accounts with Charles Schwab and called them immediately. I spoke to a representative who asked me a couple of security questions and realized this was fraud when my mother 's maiden name was not established by whoever opened the account. My address was also listed in Georgia when I live in California. The representative transferred my call to the fraud Department, where additional information was taken from me. I was told that my case would be investigated and a fraud response provided when the investigation was complete. The fraud representative advised me to place an alert on bank accounts, credit bureau 's, CFPB and Identity Theft.gov, in addition to filing a police report. I am currently in the process of doing these recommendations.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Im filing a complaint against Experian please remove the consumer statement on my credit file i do not have a fraud alert and I want it removed from my file, I did not place this consumer statement on my file I do have screen shots of the statement thats on my file, I do not wish for anyone to add anything unless I tell anyone to add to my file, please remove this statement I do not want this on my file
Consumer complaint received 2020-11-21
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. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NC)

XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. I have also complained that the payment history is reporting inaccurate as well, but Equifax and XXXX XXXX continues to report inaccuracies on my credit reports.
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors.

3 different open dates reported ; 3 different date of last activity dates reported ; XXXX  reports XX/XX/XXXX ; but Equifax reportsXX/XX/XXXX, and XXXX reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (FL)

These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX - XXXX - inquiry XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-07-16
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. (IL)

After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS XXXX XX/XX/XXXX not mine
Consumer complaint received 2017-07-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

I am not the one the company is attempting to collect a debt from. I continuously receive automated phone calls that do not allow me the option to stop contact. These calls happen at least twice a week, usually always on a Monday and sometimes on either Thursdays or Fridays ; happening since I received this new phone number back in XXXX 2016. The person these companies are trying to collect a debt from is not me as the name they have stated on the recordings/voicemails. I have added my number to the Do Not Call registry but that has not affected these calls.
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (AZ)

This is a complaint from XXXX XXXX against EOSCCA for EOSCCAs failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from EOSCCA with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors.

3 different open dates reported ; 3 different date of last activity dates reported ; Transunion reports XX/XX/XXXX ; but XXXX  reportsXX/XX/XXXX, and XX/XX/XXXXreports the DOLA as  XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

U.S. Bank Reliacard has yet to solve my dispute nor have they issued the provisional credit I was told I would receive. XX/XX/2020 I called and disputed fraudulent charges on my account. I was sent a dispute form to fill out and either fax or mail back within 10 business days which I did on XX/XX/2020 and I havent heard anything back yet. The dispute form states that a credit will be issued when they receive it back. I called about 7 times since then and every rep I spoke to acted like they didnt know anything. The last rep I spoke to just said I dont know it takes time. Its annoying and unprofessional.
Consumer complaint received 2021-03-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA- PLEASE DELETE After repossession of my vehicle in XXXX of XXXX. There was a 33 states predatory lending class action settlement against Santander Consumer USA. Where Santander agreed to relief my debt. Santander just settled the case last year XXXX. According to the agreement my debt is to be forgiven and the account status updated to a positive. Because of what they agreed to in the settlement this has now became a violation and needs to be corrected within 30 days of receipt of this complaint.. I have reached out to Santander Consumer USA to dispute this matter and they still have not removed this from my credit.
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. (TX)

I disputed the account XXXX ( XXXX XXXX XXXX ) {$1100.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX/XXXX  XXXX  XXXX ) XXXX {$760.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX/XXXX  XXXX  XXXX  with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX/XXXX  XXXX  XXXX  account is. I have never signed an agreement with XXXX/XXXX  XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Consumer complaint received 2017-07-03
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis (CA)

Loan Agent from XXXX XXXX XXXX XXXX verbally told me he would not inquire into my credit report, and, his inquiry would not result in an " inquiry '' on my credit report. After it did, the inquiry company CBCINNOVIS told me to send an email from XXXX XXXX that the inquiry was made in error. <P/>I sent CBCINNOVIS an Email per their instruction on XX/XX/XXXX. On XX/XX/XXXX, the inquiry was not removed. I spoke to CBCINNOVIS who basically gave me several more excuses and told me they did n't receive the email. I told the supervisor, XXXX, that I wanted his email and a confirmation that he has received it. His only offer was for me to re-send the email to their company email address and begin the entire process over again.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

I purchased 2 Money orders ( XXXX & XXXX ) on XX/XX/2020 as payment toward my rent. Both money orders were made out for {$500.00} each. I dropped the Money orders in a sealed envelope Mailbox in front of XXXX Post Office @ XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2020. 
The Money Orders never made it to their intended destination. Instead they were stolen while in transit. I called XXXX XXXX and paid {$18.00} for a copy of the cashed check to see where the money was deposited. The Money Orders were endorsed by an individual with a TD Bank account because the account # on the check referenced a TD bank XXXX XXXX. I called XXXX XXXX back and requested they find out who had stolen my money. They told me that they are not responsible for stolen XXXX XXXX XXXX orders and I needed to reach out to TD Bank to get my money back. I reached out to TD bank, they told me they can not open a dispute to get my money back although they are the ones who allowed their customer to steal and cash 2 money orders that were clearly NOT made out to their customer! I just want my money back so I can pay my rent. But no one seems to have any answers or need to help me find my money.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Hello, I AM WRITTING TO YOU BECUASE MY MORTGAGE COMPANY ( SHELLPOINT MORTGAGE ) IS TAKING ADVANTAGE OF ME. AS OF XX/XX/2020 I ASKED FOR HELP SINCE I WAS AFFECTED DUE TO COVID 19. SINCE THEN SHELLPOINT MORTGAGE HAS LIED ABOUT MY ACOUNT BEEN UNDER REVIEW FOR A LOAN MODIFICATION.

LUCKILY I NEVER MISSED ANY PAYMENT BECUASE NOW SHELLPOINT MORTGAGE IS TELLING ME EVENTHOUGH I NEVER MISSED ANY PAYMENT SHELLPOINT MORTGAGE ORDER A BROKERS PRICE OPINION AND PLUS THEY WILL CHARGE ME EXTRA FEES TO REVIEW MY REQUEST FOR A LOAN MODIFICATION DUE TO COVID 19.
I SPOKE TO SHELLPOINT MORTGAGE IS TELLING ME THAT I AM RESPONSIBLE FOR THE COVID 19 FEES LOAN MODIFICATION SINCE THEY ARE ABLE TO CHARGE ANY HOMEOWNER THAT APPLIES FOR THE PROGRAM. 

I BELEIVE THIS IS UNFAIR AND SHELLPOINT MORTGAGE IS TAKING ADVANTAGE OF HOMEOWNERS SITUATION THAT WAS AFFECTED DUE TO COVID 19.

PLEASE HELP SINCE ALL MY PAYMENTS HAVE BEEN MADE ON TIME SINCE THEN AND I FEEL SHELL POINT MORTGAGE IS JUST TAKING ADVANTAGE. 

XXXX XXXX
Consumer complaint received 2017-07-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (OH)

I was in a car accident which resulted in total loss of the vehicle, my primary insurance paid their portion to  Kia Financial which left a balance remaining balance for my gap to cover. The gap insurance is requiring certain documents from kia financial, I have tried multiple times to obtain these documents from kia financial with no luck. Kia continues to send me partial documents and each time I call its a 2-3 da y turn around. I was previously instructed by kia to not make my payment which would result in no late fees or interest and adverse credit reporting. My payment functionality was removed from the website and based off my result today my account has been referred to recovery. Again I called today and I was assured that I would not accrue late fees or or interest and no credit reporting.
Consumer complaint received 2017-07-04
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. (CA)

Complaint is directed to the Credit Agency Equifax. <P/>I received a notice of collection from the collection agency XXXX for State of XXXX taxes in order to pay for unpaid taxes to the State of  XXXX for the tax period of XX/XX/XXXX. I was at the time, and still currently, serving in the Military in XXXX which would make me exempt for state taxes as I was a resident from XXXX. The date that is reported as a public record on my credit report is for XX/XX/XXXX. I provided the Comptroller of XXXX verification of my Military status and received a letter from the State of XXXX, Comptroller of XXXX a " RELEASE OF XXXX TAX LIEN '' with a " Notice of Lien of Judgement for Unpaid Tax dated XX/XX/XXXX in the amount of {$1700.00} as " SATISFIED. '' '' I provided this letter 3 separate occasions to the credit agency Equifax in order to properly dispute and remove this public record from my credit report and the results of this have been, according to Equifax, " verified that this public record item is reporting correctly. '' Additionally, I did not receive the procedure used to determine the accuracy and completeness of the information that would have validated and verified the accurateness of this public record item being reported.
Consumer complaint received 2023-01-30
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. (CA)

Experian is reporting charge off accounts with past due balances on my consumer report a violation of the FCRA with maintaining an accurate report. The IRS considers it income and you can not collect an alleged debt and income at the same time. It is damaging to the consumer and inaccurate information that must be deleted immediately!
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

So I was receiving emails from the credits check website and I seen that an account at Capitol one was open in my name and whoever opened the account has a credit card in my name. I've never had a bank account or a credit card or debit card.