davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
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 (CT)

I tried multiple times to have them help Me with my credit cards and they charged me off. Now I dont deseve this after 11 years of customer loyalty. I couldnt make the payments they asked of me and they charged me off. They destroyed my credit with the fees and now I cant do anytbing to provide a roof for my family because they require a credit check. They shouldnt have done this they shouldve worked with me.
Consumer complaint received 2022-03-31
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. (TN)

I noticed one/several inquires that were not authorized nor did I do a credit application for these in my name. I have asked the credit bureaus and creditors to investigate and to remove them. They stated they could not remove them without documentation. Although, it is fraud activity. 

I have contacted the creditors and all XXXX credit bureaus
Consumer complaint received 2023-01-02
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. (PA)

For 6 over six years I have been asking XXXX EQUIFAX AND XXXX to correct my personal information from my credit file the bureau refused I have been denied credit apartment or I may never get a job because personal information did not match when I apply for credit I submit to the credit bureau several time a copy of social security card my passport card copy my driver license copy of my tax bill from the IRS the credit bureau listed I was born on XX/XX/1978 my date of birth is XXXX/XXXX/1978 SSN # XXXX my current legal name XXXX XXXX XXXX
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was charged {$12.00} for Overdraft Protection Transfer Fee. 
On XX/XX/XXXX, I was charged {$35.00} for OVERDRAFT ITEM FEE On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for a check # XXXX On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for an electronic transaction. 

I have not yet contacted the customer. I can understand the charge for the check, but the other fees seem excessive and unnecessary.
Consumer complaint received 2017-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc (WA)

I have never been to this facility, have attempted to dispute with merchant credit and the reporting agency, with no response or solution, on multiple occasions. 

XXXX XXXX Opened XXXX XXXX, 2016 + {$130.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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 recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts immediately.
Consumer complaint received 2021-07-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon
Consumer complaint received 2021-09-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Placement Services, LLC (WI)

Hello, A list of medical bills appeared on my credit report that I am requesting to be removed, but there has been no response. 
The list amounts to {$9200.00} I sent two debt validation letters. One on XX/XX/2021 and the second final attempt XX/XX/2021. 
I did not receive a response to either, but they continued to call me daily through out those two months. 
Now I am moving to file a CFPB complaint for failure to validate the debt.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

I have been trying to access my equifax account to file a dispute for months and have not been able to log back into my account. No matter what I do it continuously tells me my account is not accessible and i have to try again later, quote : " We are temporarily unable to complete this request. 
Please try again later. ''
Consumer complaint received 2021-07-07
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. (TN)

After seeing my credit report I notice item in there that are erroneous and inaccurate listing. The Congress grant me the rights to dispute and correct what I know is erroneous from my credit profile.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (WI)

XXXX dollar credit bill, turns into over XXXX dollars, because of interest, Discover writes off debt, shows charge, yet i get a 1099 tax form to say i benefited????? This is all interest Discover wrote off, but yet its MY income to report at tax time???
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX XXXX advertises the benefit of partnering with him on your deals and providing 100 % financing and paying out 50 % of gross profits. I signed up and submitted a deal immediately but he kept asking for the package over and over again after it being submitted for over 3 weeks he finally signed and agreed to the purchase price and I scheduled the contractor to come out and when the contractor came out there was a buyer lined up to purchase once complete. He backed out of the deal and could not provide solid proof as to why. He was very rude while I asked for the realtor information of whom certified the values but could not provide one and could not justify what comparables where used.There were only three properties that were sold that wasnt distressed. I found out that they excluded me to only take my deal and make profit behind my back. I would like my refund back of the investment of {$1000.00} that the bank is holding.
Consumer complaint received 2017-11-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (VA)

Initially contacted them via a recommendation from XXXX XXXX. I first contacted them on XX/XX/XXXX. Today is XX/XX/XXXX and this was the last straw. It has been almost 3 months and we still have n't closed. 
I took the day off today to await a notary that was never going to show because XXXX XXXX never contacted me for 5 days to let me know the notary was not available. So now they are rescheduling the notary again after I was told they would be available last Thursday or Friday which I found odd seeing as how it was XXXX. On Friday I was told they would be available today. After waiting 30 minutes past the scheduled appointment time I reached out to XXXX to find out who the notary was. It was then I was told the notary would not be available today. 
Granted I got XXXX XXXX by the VA Loan Appraiser and that took forever to resolve, only to get the same lower appraisal than last year even though the market had gone up 10 %. It took repeated emails and calls to get any information and the communication back was less than customer oriented. 
I had to take a day off to wait for this no-show notary and I requested them to reimburse me the {$560.00} it cost me to take off for the day. I was offered initially 0.125 % lender credit of the loan value ( {$220000.00} ) which is about {$280.00}. XXXX said he would bump the credit up to equal the {$560.00} it cost me today. I do not trust that to happen but will wait and see. 
I was told in each previous month I would n't need to pay for my XX/XX/XXXX or XX/XX/XXXX mortgages because we would be closed before they were due. Glad I did n't follow their advice and continued to pay my mortgages when the refi closing dates kept slipping.

I can not emphasize enough how much to avoid this company at all costs. Do NOT get any type of loan from Homeside Financial, even if it is a last resort.
Consumer complaint received 2015-09-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Delbert Services (TN)

I had applied in XX/XX/XXXX for a online loan with Western Sky and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to Delbert Services. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have several accounts that are not mine that i continue to have reporting to my credit file i am submitting a new police report that has these accounts added to them so that you can identify them along with a ftc affidavit that has been notarized. still these accounts have not been removed as they are fraudulent
Consumer complaint received 2021-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Illinois Collection Service, Inc. (IL)

This debt was paid in full. The debt was collected from a different collection agency, XXXX XXXX XXXX. The dates of payment were XXXX XXXX XXXX  amount of {$1600.00} and XXXX XXXX XXXX of {$2200.00}. The debt was settled. I spoke with both billing departments at XXXX XXXX and I was told the I only had one bill which was paid in full. No other bills exist. This additional debt collection is fraud. It is inaccurate and it has had a negative impact on my credit report. I have not received any letters or phone calls in regards to the debt they are trying to collect.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Local Data Recovery, LLC (IN)

We received a call today from a company called Local Data Recovery. My wife talked to a guy who immediately threatened her with wage garnishment, or tax penalties if she did not pay this debt in full immediately. He told her it was a credit card through XXXX that was signed off in XXXX. My wife did not recognize that she ever had a XXXX card, which he called hear a liar about. Eventually my wife got fed up with the threats and the accusations, and just hung up. 

He eventually called back again and left a very insulting and abusive message about its going to court and we were going to get our wages garnished over it. Oh, but he was just trying to help? I had my wife call back and I then talked to both the guy and then his superior, which was supposedly an attorney? By talking to her I find it very hard to believe? She was just as bad as him and would not listen to us. At this point we still could not remember having a XXXX card because we do not shop there. She then said it was through XXXX and was just a XXXX card that could be used anywhere. I asked if she would please send us paper copies of the debt and account numbers? She refused and said they could only email it. My wife asked the same thing previously and they declined as well. 

In the process of talking to her she said that XXXX signed off on the card in XX/XX/XXXX. Later on when I said that the XXXX in Indiana is 6 years, she then changed it and said they signed off on it in XXXX. She was looking at the wrong account, which was a lie. The guy gave the same date to my wife previously, even giving her S.S. # and birthdate. So I know they were looking at the right info. As I was talking with this attorney my wife found an old XXXX account we did have through XXXX that was bought out by another collection agency Velocity who we paid off with in XXXX. We even have a letter from the agency stating that the account was paid in full. 

So, we have no idea how they got the info or why this has come up? We have dealt with creditors before and they were nothing like this even when legit. These people were awful and dishonest. They made my wife get very upset and distressed over something we had handled a few years back. I have read about the strong-arm tactics of this outfit and their bad reputation, but this has pushed me to the brink of taking legal action against them. Can you help us please? 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-11-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.
Consumer complaint received 2021-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I initially complained about charges on my credit card that I never made, but the company refused to investigate this matter and refused to delete fraudulent charges from my account. 
Now they report this account as charge off / collection.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (TX)

Was receiving text messages from them about a cable bill almost daily ... .. Sent a cease and desist letter to them.. The letter received by someone, opened and read, and was sent back to me as if it didn't make it to them.
Consumer complaint received 2017-11-28
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: JPMORGAN CHASE & CO. (CA)

On the XX/XX/XXXX, I received a bill for opening a Sapphire Credit Card , {$450.00}. I NEVER EVEN APPLIED FOR ONE. 
I called their XXXX XXXX XXXX XXXX Customer Service No., spoke to 'XXXX '. While canceling the card, she divulged that the Information that was given to them, was my Name, home address, Age, Soc.  Sec. No., an Incorrect email address, home phone. 
I asked why they did NOT CALL, OR TRY TO USE THE EMAIL. BOTH WOULD HAVE STOPPED THE FRAUDULENT APPLICATION! She did n't respond. She just said it was Fraud. 
Though no one has used the card. I want Any and all fines to come to Me, for their XXXX handling of my Identity Information. Their view, that this was a XXXX Breach, is irrelevant, and Chase just tried to make it a Money making event. 
They did NO DUE DILIGENCE, and instead, chose to make it worse. 
The card started on XX/XX/XXXX, I ended it on XX/XX/XXXX. As appears on their bill, XXXX XXXX  {$22000.00} Avail. Cash {$4800.00} I 'm sorry I am furious That I a Retired, XXXX Citizen, am subjected to this. 
I thought that all those unsolicited Chase Card applications would cause problems, despite my attempts To get them to STOP SENDING THEM. IF THIS OFFICE HANDLES COMPLAINTS ABOUT XXXX I NEED TO MAKE ONE. I HAVE XXXX XXXX AND AM BEING HARMED MINUTE BY MINUTE BY CHASE AND XXXX. 
PLEASE HELP!
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My Equifax XXXX and XXXX report are showing an XXXX XXXX account number XXXX shows a 30 day late payment from XX/XX/2017. This is a mistake as I have documentation from XXXX XXXX showing this late payment has been corrected and REMOVED. 
I am attaching my Equifax and XXXX  report and letter from XXXX XXXX.
Consumer complaint received 2022-03-31
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. (FL)

I am victim of identity theft I have not received any updates from the bureau regarding removing the fraudulent collection account its been over 90 days
Consumer complaint received 2022-03-31
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. (ND)

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Consumer complaint received 2017-11-24
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. (IL)

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see I 'm amazed that this behavior is tolerated and shunted aside. Someone needs to seriously look into this. Please see enclosed documents that were provided initially ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT XXXX XXXX XXXX XXXX US XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT 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 XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$170.00} XXXX CITY OF XXXX XXXX XXXX/XXXX/XXXX {$200.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$100.00}
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

SYNCHORONY BANK XXXX XXXX XXXX XXXX FL XXXX THIS BANK OWNS OR MANAGES 11 OF MY ACCOUNTS WHICH ARE : LOEWS ACCT ENDING XXXX TJMAX ACCT ENDING XXXX BELK ACCT ENDING XXXX CARE CREDIT ACCT ENDING XXXX JC PENNY ACCT ENDING XXXX ROOMS TO GO ACCT ENDING XXXX DISCOUNT TIRE ACCT ENDING XXXX MOHAWK ACCT ENDING XXXX P.C. RICHARDS ACCT ENDING XXXX XXXX ACCT ENDING XXXX PAYPAL CREDIT ACCT ENDING XXXX ON XXXX SYNCHRONY BANK SENT ME A LETTER STATTING THAT ( ACTIVITY ON MY ACCOUNTS WITH SYNCHRONY BANK INDICATIVE OF HIGH RISK OF FAILURE TO PAY. ). 

I WAS OUTRAGED AT THIS FALSE AND DISCRIMINATIVE STATEMENT. IN MY YEARS OF MAINTANING ALL THESE ACCOUNT NEVER WERE A LATE PAYMENT AND 4 OUT OF THE 11 ACCOUNTS ARE PAID IN FULL. 

I ALWAYS PAID MORE THAN THE MINIMUM PAYMENT ON ALL ACCOUNTS. MY CREDIT LIMITS WAS IN THE THOUSANDS AND I NEVER USED ITS FULL POTENTIAL. 

THESE CLOSURES HAVE CREATED A DEVASTATING EFFECT ON MY CREDIT FILE. THIS IS A OUTRAGE AND WRONG IN TAKING THIS ACTION AGAINST ME. I ASK YOUR DEPARTMENT TO FULLY INVESTIGATE THEIR PRACTICES HERE AND YOU WILL SEE HOW I NEVER SHOULDVE HAD THIS HAPPEN TO ME. 

I CAN PROVIDE ALL DOCUMENTATION REFLECTING PERFECT USE OF ALL MY ACCOUNTS.