davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
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. (CA)

There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX XXXX {$9600.00} XXXX XXXX XXXX - Acct # XXXX XXXX $ - XXXX XXXX XXXX Acct # XXXX XXXX $ - XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2019
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (WA)

I requested a loan estimate on XXXX XXXX, 2021 that had zero dollars in the PMI column, later when we were when I reviewed the closing disclosure they added {$140.00} to my monthly payment. 
I only caught this when I learned they were selling my loan and I revisited my paperwork.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Due to Equifax 's lack of adequate security, my personal information was made available for misuse. I have had to freeze my credit to protect against this misuse, but my personal information can not be taken back.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (NY)

XXXX continued to charge a monthly fee after the business a ) notified them to cancel their paid advertising portion of the service and b ) that it was shutting down due to COVID ( New York had topped half a million confirmed COVID-19 cases, curfews were put in place, schools went all-remote, and indoor workforce reductions became mandatory ). This is a high-risk business ( XXXX  ) and could not afford to advertise while closed. XXXX did not honor the request ( XX/XX/2020 ) and continued billing for four additional monthly payments. It then handed 4mo worth of such charges to TrueAccord ( their collection agency ), which has been hyper-aggressive in attempting to collect {$280.00} even though there should be no debt at all. XXXX now disavows any control over the process, saying they can not cancel the fees or correct the info in any way, but rather it must be handled through TrueAccord which ( as TrueAccord is XXXX 's agent ) is neither true, nor honest, and is not actually the law. 

XXXX has further stated that the business owner bears responsibility for the extra billing, because she did not answer emails from Yelp ( which she could not read, as they were not in her language ) during the shutdown. This sidesteps the issue that further emails should be irrelevant, once advertising is ordered stopped or paused. 

This business is a minority-owned business, with no one who speaks fluent English, and a vulnerable population ( XXXX XXXX ) as indicated by the recent mass shooting on XX/XX/XXXX, during which XXXX ( through TrueAccord ) has continued daily collection contacts, despite the XXXX  having to close again for the safety of its staff. XXXX has taken advantage of the language disparity, and the relative disparity in negotiating power between the two firms, and attempted to offload accountability to its agent, rather than ( properly ) cancel the supposed debt. Besides viewing this with utter disgust, it's inappropriate contractually and legally.
Consumer complaint received 2020-10-24
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 (CA)

On XX/XX/2020, I lost my wallet containing a WalMart CapitalOne  credit card. On XX/XX/XXXX, I discovered fraudulent charges on the CC to the following amounts : {$150.00} from XXXX XXXXMerchandise {$130.00} from XXXXMerchandise {$110.00} from XXXX  {$44.00} from XXXX  for a total of {$440.00} in fraudulent charges made all on XX/XX/2020. 

On XX/XX/2020 Capital One gave an Initial Acknowledgement XXXX  Fraud. 
On XX/XX/2020 Capital One acknowledged one payment that had yet to be credited back to me and informed me that they were continuing their investigation. 

On XX/XX/2020, I received a notice that there had been no indication of fraud to my fraudulent charges.
Consumer complaint received 2021-04-06
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

I previously paid my XXXX  account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX  Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX XXXX XXXX. I have been illegally Discriminated against with these ruthless tactics by XXXX XXXX  who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX XXXX and Crown Asset Management. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX XXXX Bank lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also  update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by XXXX  and Bank and Crown Asset Mgmt through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (UT)

This company has been calling people that live in my town after Ive asked them not to contact me. I was injured at work, lost my job and am trying to deal with getting back on my feet. They called a woman in town several times over the past few days and have been calling me on an average of 5 times daily.
Consumer complaint received 2020-11-25
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: CITIBANK, N.A. (TX)

On XX/XX/, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, DSNB/MACY 'S add a hard inquiry on my credit report per XX/XX/XXXX.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (AE)

My husbands 's salary is set to direct deposit ( {$3400.00} ) to my personal Revolut XXXX  checking account has been " pending. '' They are hassling me about the source and purpose of this money. I supplied the last 3 earnings statements and they are still withholding this deposit. 
Money was to be deposited XX/XX/2020. They do not appear to be in any rush to solve my problem ( not solved as of the writing of this complaint ). The money has not been unfrozen - and they do not want the direct depositing of his salary to my account ( Revolut does not offer joint accounts - that is why he is not listed on the account ).
Consumer complaint received 2022-08-10
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. (OK)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX and Equifax end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-24
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 (FL)

On XX/XX/20 Portfolio Recovery on a collection showing a balance of {$3100.00} added a derogatory remark on my credit report per XXXX XXXX XXXX XXXX monitoring account. Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection after sending a letter on XXXX and another on XX/XX/20. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( collection agency name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-09-21
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. (VA)

I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OLIPHANT FINANCIAL, LLC (CA)

I am not familiar with the debt this company is trying to collect, more importantly the debt they are attempting to collect has been " time barred '' and is well past the 4 years of time allowed to collect this debt in the State of California.

Additionally, they are in breach of the law due to the fact they did not print anywhere on the collection notice that the debt was time barred as required by law.

Letter Received : XX/XX/2021 Amount : {$7000.00} Letter states that I " Requested validation of this debt '' ..which I never did.
Consumer complaint received 2020-10-13
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)

PLEASE NOT THIS EXPERIAN CLOSED MY LAST COMPLAINT BY FALSELY ACCUSING ME OF USING SOMEONE ELSE TO SUBMIT MY COMPLAINT AN DISPUTE. THIS IS NOT ONLY IRRELEVANT, BIASED, AND 100 % COMPLETELY FALSE WHEN EXPERIAN HAS NO WAY OF PROVING THIS FALSE ACCUSATION. HOW COULD I NOT BE THE ONE SUBMITTED THE COMPLAINT WHEN THE ORIGIN OF MY COMPLAINT AROUSED FROM A PHONE CALL MADE TO EXPERIAN ON XXXX AT XXXX XXXX   FOR 38 MINUTES AND 39 SECS FROM MY MOBILE NUMBER XXXX. THIS RESPONSE IS TOTALLY UNACCEPATBLE AND I WILL NOT ACCEPT IT SO THEREFORE****************** **** PLEASE LOOK AT THE IDENTITY THEFT AFFIDAVIT ATTACHED****I recently spoke with a representative by the name of XXXX XXXX with EXPERIAN CONSUMER AFFAIRS DEPARTMENT. I EXPLAINED TO MR. XXXX THAT TWO ACCOUNTS BY THE NAME OF XXXX AND XXXX PLUS BOTH WERE OPENED earlier this year fraudulently without my knowledge or consent. I informed Mr. XXXX these accounts have both been removed from my XXXX  and XXXX credit reports and asked what is EXPERIAN DOING DIFFERENT TO NOT REMOVE THESE ACCOUNTS AFTER RECEIVING BOTH AN IDENTITY THEFT AFFIDAVIT AND POLICE REPORT. MR XXXX STATED THAT HE COULD NOT EXPLAIN WHY XXXX  OR XXXX   HAS DELETED THESE ACCOUNTS AND THAT ALL BUREAUS ARE SUPPOSED TO USE THE FAIR CREDIT REPORTING ACT GUIDELINES FOR VERIFICATION. MR. XXXX STATED THAT BOTH MY POLICE REPORT AND FTC REPORT DID NOT APPEAR OR LOOK TO BE VALID. I ASKED MR XXXX WHAT HE MEANT BY THAT COMMENT AND HE STATED HE COULD NOT GO INTO ANY DETAILS WHICH DIDN'T MAKE ANY SENSE TO ME. I FEEL EXPERIAN & MR XXXX ARE BEING DISCRIMINATORY AT THIS POINT BY ACCUSING ME OF SUBMITTING FALSE DOCUMENTS WITHOUT HAVING ANY PROOF. I EXPLAINED TO MR. XXXX IT IS IMPOSSIBLE TO COMPLETE AN IDENTITY THEFT AFFIDAVIT WITH INCOMPLETE INFORMATION. ALL AREAS OF THE AFFIDAVIT ARE NOT REQUIRED TO FILL OUT TO COMPLETE SUBMISSION SUCH AS EMAIL ADDRESS & ETC. I ASKED MR XXXX WHAT IS IT THE CREDITORS ARE SENDING EXPERIAN FOR THEM TO VERIFY THESE FRAUDULENT ACCOUNTS BELONG TO ME AND HE STATED THEY DO NOT PROVIDE ANY PERSONAL INFORMATION OR PHYSICAL DOCUMENTATION. I THEN EXPLAINED TO MR. XXXX THEREFORE ANYONE OR INDIVIDUALS WITH MY PERSONAL INFORMATION COULD EASILY OPEN OR ESTABLISH ACCOUNTS IN MY NAME AND IMPERSONATE ME. EXPERIAN CONTINUES VIOLATE MY CONSUMER RIGHTS BY REPORTING THESE FRAUDULENT ACCOUNTS TO MY CREDIT FILE. BOTH OF THESE ACCOUNTS SHOULD HAVE BEEN BLOCKED IN ACCORDANCE TO THE FCRA SECTION 605B. I  FIND THIS TOTALLY UNCACCEPTABLE AND IS A BIASED DECISION ON THERE BEHALF. EXPERIAN HAS PROVIDED NO PROOF OF 100 % ACCURATE VERIFIACTION OF THESE ACCOUNTS AND HAS VIOLATED MY RIGHTS BY FALSELY ACCUSING ME OF SOMETHING I HAVEN'T DONE.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

I previously paid my XXXX account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX Comenity Bank. I have been illegally Discriminated against with these ruthless tactics by XXXXComenity Bank who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX Comenity and XXXX XXXX XXXX. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX Comenity Bank lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by Comenity and Bank and XXXX XXXX XXXX through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.
Consumer complaint received 2023-03-24
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XXXX XXXXXXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXXXXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX Balance {$4400.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4200.00}
Consumer complaint received 2020-11-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I have a checking and savings account with Bank of America. I started this account in XXXX and as per the agreement I was supposed to transfer XXXX dollars to my savings account to avoid any maintenance fee, however, in XXXX it looks like they changed the policy without informing me. and now I am charged with a monthly maintenance fee of XXXX dollars dating back from XXXX. I have the document that says I can avoid the monthly maintenance fee if I make a monthly automatic transfer of {$25.00} or more from the checking account to the savings account.
Consumer complaint received 2023-01-11
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CO)

The mortgage company reported my loan 30 days late after they had agreed to move XXXX payments to the back of the loan. I feel proper expectations were not set. Had I been advise that this would of happen, I would have made the payment and requested to have a later payment moved
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account USAA Account # XXXX. Because the balances being reported by your company and XXXX, XXXX, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

items were purchased using my Discover card on XX/XX/2020 ( {$5000.00} ). Items were returned on XX/XX/2020 and later received and confirmed with merchant. Return was posted onto my Discover account and over 60 days later reappeared on my account. Spoke to customer service, gave them all proof and documentation of return confirmation through merchant and was told they will remove transaction which they did. Over 60 days later yet AGAIN it was posted to my account. Worst customer service ever and I will be cancelling my card with them.
Consumer complaint received 2017-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I have filed a complaint with the BBB about this company. They responded advising me too end them 1 ) ID Theft Report and a Police Report. I did what they ask. They are still reporting this debt o my credit and its negatively affecting my scores. I need you all to contact them to find out why this has n't been removed
Consumer complaint received 2020-10-24
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : 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
Consumer complaint received 2020-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

For over a month and many hours of holding talking and transferring to a supervisor in the tax dept and ZERO help and ZERO call backs from  supervisors like XXXX and XXXX in XXXX and XXXX TX Im now at my phone hour limit on my cell XXXX which evidently a supv is not able to update but made notes about lol, and customer service has not followed thru and changed but they were communicated about so this is not the source of the issue so dont let them even try to use this  excuse. They have a delinquent bill that city of XXXX reversed interest and fees for as I had not received a prior bill. I finally got the corrected amount and that it is the same numerically as the XXXX to XXXX bill but now understanding that it is a special bill that comes out randomly ever 5 or so years. I submitted it to be paid out of my fat balanced escrow with us bank who bought my loan from the original mtg  lender and they are blowing me off. My acct number is XXXX their phone is XXXX the escrow has literally enough to pay this and likely enough or very close for bill in XXXX coming up for XXXX thats how fat the balance is. What is the worst is the careless and stale mating service during COVID when they should be helpful. This is an easy thing to fix! You have the bill you have the money this impacts me in many negative ways some too numerous to list.