davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (CO)

True accord assumes if you dont respond to their unsolicited emails, they can start a payment plan, basically restarting the clock on debts.

" We do take payment promises seriously here at TrueAccord. I will be noting this agreement on your account ; if we don't hear from you, we will assume this date works for you '' I have not agreed to any payment plan whatsoever.
Consumer complaint received 2022-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my THIRD time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -CAPITAL ONE # XXXX -CAPITAL ONE AUTO FINANCE XXXX XXXX -XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-09-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

1. I filed a formal notice that XXXX  XXXX XXXX claim is disputed date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

2. I filed a formal notice that XXXX XXXX  claim is disputed, claim the date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate, no. of months ( terms ) inaccurate, account type. 

3. I filed a formal notice that XXXX claim is disputed, claim the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX and XX/XX/XXXX inaccurate, account number inaccurate, balance inaccurate. 

4. I filed a formal notice that XXXX XXXX XXXX XXXX XXXX  claim is disputed claim the account type is incorrect, the high credit is inaccurate, late payments XXXX and XX/XX/XXXX inaccurate, account number inaccurate. 

5. I filed a formal notice that XXXX XXXX claim is disputed the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

The credit companies XXXX, Experian, XXXX  are not compiling with their own policy in a timely manner. My letters were unaddressed within 30 days of their policy.
Consumer complaint received 2018-02-14
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)

{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
Consumer complaint received 2023-03-23
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: Dovenmuehle Mortgage, Inc. (AL)

XXXX of XXXXXXXX XXXX XXXX XXXX deliberately with malicious and intimidation sent us written correspondence that our VA Mortgage XXXX had been delinquent and in jeopardy. We contacted our VA Home Loan Counselor through written and verbal conversation by phone to confirm and verify that our VA Home Loan was in good standing. That was by phone on XX/XX/2023. We later found out that they had records of our mortgage loan payments, and no default was found or posted against our loan. We have never missed a payment with this company. XXXX XXXX XXXX XXXX XXXX XXXX stated that they would make sure that our credit rating was going to be affected. Our problem with XXXX XXXX XXXXXXXX XXXX XXXX XXXX did not involve the mortgage loan payments at all, it was an escrow account shortage, and they use this to report the negative and derogatory information pertaining to our creditworthiness and more.
Consumer complaint received 2021-09-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

1. I filed a formal notice that XXXX  XXXX XXXX claim is disputed date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

2. I filed a formal notice that XXXX XXXX  claim is disputed, claim the date opened is incorrect, the high credit is inaccurate, late payments XXXX  XXXX inaccurate, account number inaccurate, no. of months ( terms ) inaccurate, account type.

3. I filed a formal notice that XXXX claim is disputed, claim the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX and XXXX  XXXX inaccurate, account number inaccurate, balance inaccurate. 

4. I filed a formal notice that XXXX XXXXXXXX XXXX XXXX XXXX claim is disputed claim the account type is incorrect, the high credit is inaccurate, late payments XXXX and XX/XX/XXXX inaccurate, account number inaccurate. 

5. I filed a formal notice that XXXX XXXX claim is disputed the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

The credit companies XXXX XXXX, Transunion are not compiling with their own policy in a timely manner. My letters were unaddressed within 30 days of their policy.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (DC)

I filed an dispute on XX/XX/2021 it was XXXX XXXX transactions I later found out my brother did it do I want to cancel. Its taking money from people XXXX XXXX account now its saying I owe them. Im going to pay the credit money back to you guys. But its charging back the people who XXXX XXXX account it is also so now I owe double is it some way you guys can reverse that
Consumer complaint received 2022-01-15
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. (FL)

I have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of
Consumer complaint received 2021-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CT)

USbank, with whom I have my current mortgage at almost 5 % rate, sent me emails saying I could refinance with them for a better rate. I responded, and asked for a 15 year refinance at XXXX by the time I got a loan officer, somehow, I was talked into a 30 year at a higher rate. After 6 months, fulfilling all document requests, having an appraisal, and paying fees and making a {$350.00} improvement to the home ( to add a railing where none was really needed ) I was denied the refinance. They based the denial on my outstanding credit, which was the same throughout the period of my attempt to refinance. I feel that they knew, from the beginning, that I was not a good candidate but they put me through the process anyway. Now I am out roughly XXXX dollars, and, no refinance.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (GA)

s Suntrust equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I contacted Capital One on numerous occasions letting them know the Credit Card belongs to my Ex Roommate XXXX XXXX XXXX and needs to be removed from my Credit Card account and transferred to him. XXXX XXXX has chosen to ignore my requests time and time again. I contacted XXXX XXXX last year XX/XX/XXXX and continued to contact them every month thereafter until XXXX of XXXX. I'm not responsible for his continued use of this card. He knows he is to pay it off and destroy the card, however, he chooses to ignore this advise/direction and continues to NOT pay what's owed & continues to use the card. The limit amount is {$3000.00} and he keeps charging NOT paying until he again several times exceeds the card limit. I am the victim of identity theft from XXXX XXXX XXXX XXXX. XXXX just won't stop using the XXXX XXXX card & refuses to pay the card off knowing full well it goes against my credit score/history and not his.
Consumer complaint received 2022-04-07
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. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2018-02-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

Saturday around XXXX XXXX I received a call talking about mortgages from a Quicken Loan employee. I explained I just had XXXX and couldn't speak but the man became pushy and started to ask for personal information. I didn't want to lose business with them long term so I gave him what he wanted. He then explained he was going over rates, I asked if he was about to do a hard pull on my credit and he replied with he already did and then proceeded to tell me my credit score. I now have a hard pull that dropped my credit because some person never asked or bothered to tell me he was pulling my credit! When I told him I was upset he kept telling me to calm down and that he'd find me a good deal. I didn't want a deal, I wanted to be left alone until I was 100 % ready to buy a house. Very upset and I don't feel that I should be punished for his actions! Please help me.
Consumer complaint received 2021-09-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid,  but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is unacceptable.
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

8-9 years ago I went to court because of identity theft. At that time, the case was seen before the judge in XXXX County, NJ 5-6 times before she finally settled the case in my favor. At which time, Pressler & Pressler stopped their attempt to collect a debt that I was not responsible for ... until now. 

They have restarted the process of sending me mail and correspondence about the same exact account. Last parcel received was XX/XX/18.
Consumer complaint received 2021-09-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.
Consumer complaint received 2022-01-15
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: CITIBANK, N.A. (CA)

My husband and I were applying for home loans in XX/XX/2021. We shopped around with a few lenders including Citibank. The loan officer from Citibank we worked with was XXXX XXXX XXXX. He ended up pulling our credit multiple times without our consent, but since at the time we were shopping for a home loan, we did not do anything about it. 

We bought our home in XX/XX/2021 through another lender and have not applied for a home mortgage since then. 

Recently on XX/XX/2021, XXXX XXXX XXXX pulled our credit ( both me and my husband ), even though we are in NO WAY engaging in business with him. We tried to contact him to get him to reverse the credit pull but were unsuccessful. We also filed disputes with XXXX ( both me and my husband separately ), but XXXX upheld the credit pull as valid, even though we did not authorize it and are NOT seeking a mortgage from Citibank. 

Since we are not getting any help from XXXX XXXX, Citibank or XXXX, we need to file a report to get a resolution and remove the credit check. I'd also like to report XXXX for erroneously pulling credit without our consent both in XXXX when we were shopping for loans, and many months later in XXXX when we had no relationship or contact with him.
Consumer complaint received 2018-02-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I can not understand why the CFPB was duped into believing the lies returned from my Mortgage Company -- -OCWEN , subsequent to CFPB Case inquiry as relating to my XXXX Compliant! 

CFPB should be well aware of OCWEN 's track record, and the parade of States which had sued OCWEN for wrongfull acts, including illegal foreclosures and victim homes from underfoot!! Yet, all OCWEN had to do to appease the CFPB by sending a packet of mistruths & inaccurate figures on a few dozen sheets of paper before the case was closed!?? 


I really expected more from the CFPB! 

Maybe find out where all the Millions of Court Fine dollars had gone in the wake of all the hand spanks Ocwen had received in the last ten years. 

More importantly, I want to know why I can't use any of those MILLIONs for my defense as a victim, instead of seeing 'Business as Usual ' for Ocwen
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

I had a XXXX XXXX XXXX credit card they submitted it to Jefferson Capital debt collector and I paid off the balance I actually settled with them for a lesser amount back in XXXX of 2021 they told me once I paid it off and I settled it it will be removed off my credit report and they still have not done it because of that they lied to me I am being refused an apartment And if they can't remove it then they need to change the language and say that I settled the account in a lesser amount and remove the charge-off / collection language off of the three credit bureaus
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I have my loan through XXXX XXXX XXXX. I am military and in the process of relocating in the process some how there was a mix up and the auto payment did not go through for XX/XX/ they did not notify me of this issue until recently. I have since been in the process of buying a new home and they have incorrectly placed a late payment and reported to the credit bureaus for XXXX as well. So now that I am trying to close on my home I have 2 late mortgages reporting on my credit report which is holding me up.
Consumer complaint received 2021-12-01
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 (KY)

My complaint is against Capital One Bank, in 2020 when covid was raging I was approved for unemployment in XXXX through a hearing when my payments abruptly stopped through no fault of my own, the ceased payments caused me to get XXXX miss payments in XXXX & XXXX. I have NEVER had a missed payment EVER with my Capital One accounts, Card or Auto and as soon as I had the money I paid my account. I have spoken to Cap One and even offered cash to remove the missed payments but all they would say is that they were running a program for covid hardship and since that's closed theres nothing I can do, but my point is I didn't know of said program nor had the ability to learn of it due to I couldn't pay for cable and would have went homeless if not for the eviction moratorium. As a Capital One member that all but those XXXX missed payments has exceptional payment history should be cut some slack with this.! It wasn't my fault the money stopped, I am high risk plus couldn't get childcare to work there was literally nothing I could do. I personally feel as if I'm being bullied for something that was out of my control and I really need some help to clear this egregious oversight up Please.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (CA)

OnXX/XX/XXXX I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. IC systems was one of the agencies and XXXX XXXX XXXX  XXXX XXXX was the other. I spoke with XXXX XXXX at IC systems and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted XXXX XXXX  who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports. 

I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. IC systems reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying XXXX XXXX. I sent proof of all my payments to IC Systems. I never heard back from them. 

I noticed on XX/XX/XXXX that the autowithdraw from XXXX XXXX did not happen. I called them and they told me that IC systems was taking over the account and to contact them. I called IC systems to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to XXXX XXXX. 

In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX XXXX XXXX  themselves never reporting me as delinquent, and now IC systems has proof that as of XX/XX/XXXX, I made all my payments on time to XXXX XXXX I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person aXXXX XXXX XXXX XXXX  to discuss this matter.