davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
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. (CT)

In reference to my Equifax Credit Report # XXXX which is in response to my dispute to four accounts of XXXX  XXXX, XXXX AUTO and XXXX that reflect INCORRECT payment history ( I had automatic payments ). As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!! Equifax is just going thru the motions to " verify ''. If they did a proper verification, then these errors would be fixed since errors were fixed on XXXX XXXX!
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have submitted many goodwill letters to Capital One regarding my one late payment in XX/XX/2017. I have over 18 months of perfect payments. I explained to them I went through a financial hardship when my XXXX year old got sick and had to be taken to the hospital. I made the payment as quick as I could and have never been late since then or before then.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Unable to get a temp unfreeze of credit. I was able to easily do this with the other 2 agencies, XXXX  and XXXX, but the Experian process is antiquated and did not work. I answered id verification questions correctly but the system hung up and then blocked me. They want me to send ID documents and SS num in the mail to them, which I am not comfortable doing. There is no way to talk to a live person. There service is horrible.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NM)

Enhanced recovery corporation has been trying to collect a debt on behalf of XXXX. The issue is this debt is well over 7 years old and several times throughout the past few years enhanced recovery renews it and restarts the clock. I have had 0 communication with the company during this time and need these removed permanently from my report. I have disputed them in the past and has them removed only to have them come back with a new open date.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WY)

On XX/XX/XXXX I made a purchase with my Venmo card to XXXX for {$95.00}, which was immediately taken out of my Venmo account. Two days later on XX/XX/XXXX, they ( Venmo ) charged me another {$95.00} and called it " account recovery payment. '' I can show that the money came out on the XXXX when I authorized it to. I can show that I did not make another purchase for {$95.00}. Venmo stole my money for no reason. Then I started looking online and I found that they have done this to a lot of people for no reason and with no explanation. People are furious including myself, and this is not okay. They are supposed to be a " bank. ''
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

Please find this message as a formal written complaint about Community Loan Servicing, LLC. On many different occasions, I've used Community Loan Servicing , LLC 's front-facing payment system to make additional payments to my mortgage loan. The system allows you to split the payments to your preference. Multiple times I've had to call the company because they failed to apply my payments as requested. I am very frustrated with their mismanagement. Their system appears to be very deceptive ; allowing one thing but yet doing another. 

I would like Community Loan Servicing to honor my payment requests. Currently, I notice in my suspense account there is a balance of {$5400.00}. Based on the RESPA rules, this should have been directly applied to my periodic payment of {$2400.00}, which it has not. I would prefer since I am up to date on payments, to have this applied to my principle. 

Please have someone help me. 

Best, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-19
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. (TX)

Refer to several complaints against XXXX XXXX XXXX, who acquires CC portfolios, which they can not properly verify the balances. 
XXXX has been reported for non-compliance to the FCRA, and the FDCPA several times, regarding a CC account which they claimed as purchased, and they do not want to delete after never being able to verify, and trying to collect amounts not owed. 
JCS on complaint ending in XXXX, keeps reporting the account with XXXX  balance as a charge-off, where clearly mentions on the experian report they owe. 
Since XXXX, both Experian and XXXX have been at fault, due to non-compliance with the FCRA, as CRA and actual borrower. The fact after more than 6 months from the first complaint properly mailed to both, and documented receipt is a breach for more than 5 months to the FCRA, while the timeline is clear and never acted timely according to it. Due to the previous, both Experian, XXXX and/or XXXX as actual creditor, and original creditor in each case are obligated to remove the account or correct the status ti current at time of closing on XX/XX/2019 with XXXX balance and current. The Continuous non-compliance is clear, after 5 months after they were not able to verify the properly the pretended amount. The FCRA gives the right in this case to the consumer, to claim {$1000.00} per case which I am claiming here in addition to any sanctions to the 3 non compliant parties. I request CFPB to act accordingly.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a checking account with Bank of America ending in XXXX. I had unauthorized transactions on a debit card in another state. I told them this. First they credited me, then they took my money back via debit. I told them to look at the camera 's in Oklahoma and they would see it was NOT me who withdrew this money. I had made a trip there and lost my debit card before this fraud happened. Bank of America put this account in the negative and then wrote it off. 
I just recently had a serious problem with my roof and my insurance company gave me money to get the roof fixed. I also needed to pay property taxes. I put the money in my saving account ending in XXXX with Bank of America today and they debited {$1800.00} out of my savings account WITHOUT MY PRIOR KNOWLEDGE. Even though the XXXX account was closed and not showing on my site, they still took this money. I called their customer service right away. The agent said I would have to wait 48 hours to find out why they did this. I told her I was NOT waiting and needed to talk to a Supervisor there. I was told that there was no Supervisor available. Then I said I would wait. Finally the agent came back on the line and said they debited the {$1800.00} out of my account and were NOT returning it. I said I have to get my property fixed and pay taxes. They said it was not their problem. I should Never had been liable for fraud on this account. I am a senior on a budget and the agent had the audacity to say, well you have money left in the bank. I said I have to get my roof repaired along with other catastrophic damage. I am sick over this. I want this resolved and I plan to never do business with this bank again. I have put that checking account into a debt consolidation program with my attorney. They can not be paid double.
Consumer complaint received 2019-11-05
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. (OH)

Dont know how to go about this but I have a serious issue of some account the I never recalled applying for any credit cards in my name. I found someone opened an account with the follow companies : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX   # XXXX****, XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX. I was never a Authorized User on anyone 's account so I know the account was not mine nor the companies above.
Consumer complaint received 2020-10-12
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: ID Analytics, Inc. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo opened a fraudulent checking account in my name. After opening a identity theft case with them they have been unwilling to give me any details as to how this happened. In addition to allowing someone to open a new account in my name, they then apparently automatically updated all of my existing accounts contact information with the fraudulent information. It appears as though they have no identity theft protection or no dual authentication process in place. They are unwilling to give me any information as to how this happened. When I do call them, they send a text with a security code before they will speak with me but they will allow someone to open a new account and change account information with no security protocol. Given how secretive they've been with any information on how this could have happened it makes me wonder, Could this be another case of Wells Fargo representatives opening fraudulent accounts in their customers names.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Performant Financial Corporation (MD)

I am a Consumer and Creditor as per USC 1692a ( 3 ) ( 4 ). This is the second time I received a letter from this debt collector as per USC 1692a ( 6 ). I sent it back with NO CONTRACT RETURN TO SENDER label. This debt collector has refused to cease further communication with me after I requested them to stop. USC 1692c ( a ) ( c ). They have doubled their alleged bill amount. Now, I am going to invoice them for the FDCPA violations. I did not give this debt collector prior consent to communicate with me USC 1692c ( a ). As a Consumer I have the right to privacy.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XX/XX/XXXXCase Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (AL)

THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH BBB, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS XXXX XXXX {$1100.00}, XXXX XXXX {$92.00}, I.C. SYSTEMS INC {$180.00}, XXXX XXXX {$820.00}, XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX   XXXX , GA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2023 We received a package we did not order from a company we never heard of. We called the merchant and they sent us a return label and we returned the package the same day we received it. Our credit card was charged {$2900.00} for the item, but never credited for the return. We tried several times to resolve this with both the merchant and the credit card company. The merchant acknowledges the return of the item and that this was a fraudulent purchase. However, they indicated that we need to work through the credit card company to resolve this. The credit card company twice opened cases to review this activity. The first time they indicated they could not issue a credit since the merchant 's records indicate that we did in fact receive the product. I called again and explained that we never claimed that we didn't receive the product - our complaint was that we never ordered the product and we had immediately returned it. They re-opened the case and later closed it claiming that I didn't provide all the information they requested, but they never said what I failed to provide. On XX/XX/2023 I called both the merchant and the credit card company again. The merchant again told me this had to be resolved through the credit card company. The credit card company told me they would reopen the case again but I have received no further correspondence form them and the charge remains on our balance.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/23 In accordance with the fair credit reporting act, Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 USC 1681 sec 602 States i have the right to privacy. 15 USC 1681 sec 604 A sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I have BB & T and I have opted to not let my account over draft because I dont want it to. But they continue to let everything go threw it even with no money in my account and when I mean everything I mean subscriptions that I have that keep coming out and I dont know where they came from or why I have them to even cancel them but they continue to let these charges go threw them Im left with horrible over draft fees. I want to just close the account which Im planning on doing Friday but until that time Im having no help with the bank on how to stop this from happening. So I feel like no matter if I want my account to be able to over draft or not and I opt in or out for it they r going to let it anyways
Consumer complaint received 2020-08-19
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)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report.CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$260.00}
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report.CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$260.00}
Consumer complaint received 2018-09-21
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. (IL)

I have just received several different credit monitoring alerts from my identity monitoring service, ( see pics attached ) alerting me that my personal info is still be sold, used and transferred for use on the black web, I have completed a complete FTC ID THEFT report along with a local police department report and several other documents with proof of my address at times fraudulent accounts were opened and created. I am afraid that equifax is continuing to allow these very same thieves to report inaccurate invalid accounts to my credit report, one of the addresses that I just received the alert on is connected to one or more of the accounts that equifax continues to report under my name, for which I have never lived at the address. once more I demand that these fraudulent accounts not be allowed to be entered onto my credit report. all of the other bureaus including third party agencies have all removed and stopped these fraudulent creditors equifax continues to report the following invalid accounts that have been also removed from the other credit reporting bureaus but not equifax XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XXXX Case Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.
Consumer complaint received 2020-10-12
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. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.