davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX, XXXX and XXXX XXXX/XXXX/XXXX which was not authorized. An official dispute of this was sent to Capital One XXXX/XXXX/XXXX however ; Capital One mailed my client a letter informing him this office 's investigator was added as a POA to the account of dispute. First, this office and our client never disputed an actual account, we were disputing a fraudulent application that left an inquiry and second Capital One has asked the POA to provide proof of their capacity by providing person financial data and information not required under any consumer law. 
All of these actions are gross violations of federal consumer laws.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

trans union XXXX XXXX has not deleted the XXXX account. the posted information has been on my credit reportes and should be removed and deleted from all 3 credit bureaux.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I had a XXXX, which was serviced by Bank of America. I paid off the current and outstanding balance of {$6600.00} on XXXX/XXXX/2016. On XXXX, I get an email stating the current balance is {$110.00} as interest was charged. How can interest be charged when I paid the entire balance? I called and was told the outstanding balance is not the payoff on their credit cards. What? Never heard of that before with a credit card. A loan .. Yes .. but not a credit card. I paid the payoff of {$110.00} and closed the card, but I do not believe them and they could not give me proof. I 'm wanting to warn others so they do not get hit with interest when they too think they are paying off a card. I 've paid off a number of cards in my years and this is a first for me.
Consumer complaint received 2022-08-06
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. (PA)

Their are " late payments '' that are on my account that are way too old to still be on their getting reported for certain accounts and i dont know why they are still on there. After contacting the creidtors they said they dont know why they still show either and its up to the credit bureau not them. Please delete them off my file XXXX. XXXX XXXX XXXX XXXX XXXX Late payment that shows from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

When PHH MORTGAGE took over our loan from OCWEN last year, I set our mortgage payments up on auto draft so there would never be any problem with this company getting our payment on time. THEY cancelled my auto draft stating that we were not allowed to do that. The reason they gave was that we were under Chapter XXXX bankruptcy. They charged me a {$7.00} fee to make my payment that month and I had NO CHOICE to pay it because I HAVE NEVER made a late payment on this loan, ever. Since then, I have made all my payments for free online every month. I just went on their website to make a payment and now they are automatically charging me that {$7.00} fee to MAKE MY OWN PAYMENT ONLINE! HOW IS THIS FAIR??????? They refuse to take my auto draft payment and are now charging me a fee every month to make my mortgage payment. I have tried to refinance this loan but NO ONE will take our loan because the balance on it is under {$100000.00}. HELP ME PLEASE???????? This predatory lender has us bent over a barrel. I am unemployed and we are barely making it through these COVID-19 times but we ALWAYS make our mortgage payment and have NEVER MISSED IT. How can they keep punishing us like this for paying our bills in full and on time every month? What are we supposed to do?? THIS IS WRONG!!!!! Please, please help us???
Consumer complaint received 2020-11-22
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. (NV)

XXXX XXXX XX/XX/XXXX experian has not deleted the XXXX account. the posted information has been on my credit reportes and should be removed and deleted from all 3 credit bureaux.
Consumer complaint received 2024-03-15
Product: Credit 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: U.S. BANCORP (WI)

I co-signed on a business loan ( US Bank ) for my daughter back in 2010 ( ending XXXX ), the business was dissolved after a year and there is no balance on ( account ending XXXX ) Last XXXX I received a letter from US Bank stating that my ( account ending in XXXX ) was linked to a credit card ending in XXXX with a balance of {$17000.00} that my daughter took out some time later. 

US Bank is saying that I am responsible for the {$17000.00} because my name is on it. 

I don't understand how I can be responsible for the ( account ending XXXX ). I have never received letters or statements regarding account ( ending in XXXX ). 

I check my credit score regularly and the US bank account that is listed on it as {$0.00} balance. 

Thank you XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX XXXX XXXX charged my USAA Visa card {$250.00} on both XX/XX/2023 and XX/XX/2023. This showed up on my XXXX statement. However, XXXX XXXX XXXX stated that they did not charge my card on XX/XX/2023. This was a workers comp case so the charges should have been credited once the XXXX XXXX XXXX had approved my claim. When my claim was approved, I received a credit for the XX/XX/XXXX charge, but not the XX/XX/XXXX charge. I filed a dispute with USAA, but they said I had insufficient information and closed the case.
Consumer complaint received 2020-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My morgage lender has changed lender companies 3 times. XXXX XXXX XXXX  and now newrez. I've been trying to call the company now for 2 months and they never answer. Initially I called to inquire about a forbearance plan due to covid. I said I was interested but needed more information before accepting being placed on it. They said they would call but they never did and they send a letter instead stating I was on a forbearance plan. I want to ask question as the form can not answer my questions. They also sent me a tax form stating I owe more than 2500 and that it is delinquent. This was a tax that they where supposed to send me the first year of my mortgage and they just sent it now the 4th year stating It is delinquent. They never sent an initial paper or I was never informed about it by letter or in person. The letter states I can make a payment plan but how can I when they dont answer my calls at all. It's been two months. Prior to not answering they answered me but could not provide me with adequate information regarding the forbarance plan. I believe I have the right to ask questions before they put me on any plan without me giving the okay or signing. They have also changed my home insurance without my signature and sent me a letter to sign without any information stating my insurance provider was going to be changed. It was after various calls I was able to find out they changed it without my permission and I requested I wanted to change it back because it was less money than the one they tried changing me to. In addition, they have sent me refinancing paperwork that gives false information about my current mortgage and the future mortgage " reduction '' I will get. I made calculation with the help of an accountant and I would end up paying more of i refinance. Their advertisement about refinancing is deceiving. I just want them to answer my calls and answer my question so that I can work something out with them but it seems impossible to do so. I really believe that they are doing fraudulent activity because my last year statement are not on the website to download like they should be and their website does not give me proper information about my loan. It only has statements of XXXX year.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC (NY)

I've been contacted numerous times by Accelerated Financial Solutions for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by Accelerated Financial solutions. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

Despite numerous attempts to clear up that my home no longer requires flood insurance, the mortgage company keeps stating that it does and thus keeps overcharging my escrow account. 

What is extremely troubling, is that Loan Care was the one who CONTACTED ME to state that I was no longer in a Flood Zone and thus, would not require Flood Insurance. 

This has being going on since the end of XXXX of XXXX. 

I have uploaded the document required regarding my flood zone change and have called on 3 separate occasions to have this situation taken care of with at least 45 minutes wasted on each call. 

Twice I was hung up on.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im writing to you regarding discrepancies I have found on my credit report. 

Target TD XXXX Why is this account being reported with 2 different dates of last activity? Delete account for inaccurate reporting.

Once you have finished my request please send me an updated credit report reflecting my request. 

XXXX XXXX
Consumer complaint received 2018-02-15
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. (MO)

Under the recent changes to law, effective XX/XX/2017 Public Record data reported must include a minimum of name/address/SSN/ and date of birth in order to appear on a credit file. The credit bureaus haven't updated/reported this info and per the law Bankruptcies don't include this info and this should be removed promptly from my report.
Consumer complaint received 2020-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

Collection agencies transferring a debt I do not owe and ruining my credit. Their original client XXXX XXXX fraudulently extended a contract after the person had moved to other citty and had returned the equipment. The fees were paid automatically thru a credit card and it was stopped when the person ( my aunt ) due to severe illness was moved from XXXX XXXX to XXXX and later passed away. 

I have extensive correspondence with the collection agency and the credit bureaus but since the deb was transfer to one and another my credit is being impaired. 

I will be glad to supply all the correspondence sustained with all concerned. And like I asked the collection agencies, lets take it to a court of equity and let a judge decide. I think this is the way we settle conflicting matters. In this case I ask for your help to protect my cretit
Consumer complaint received 2022-04-01
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$880.00} Inquiries : XXXX XX/XX/XXXX
Consumer complaint received 2021-07-14
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: CITIZENS FINANCIAL GROUP, INC. (NY)

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. 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 2020-05-09
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 (AZ)

I found out end of last year when I tried applying for a car loan that a Capital One credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX  ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. Capital One responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems Capital One is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. Capital One is not attempting to collect from that address. Capital One Bank is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my Experian credit report and from the XXXX Assessors website.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC. (MO)

I never received my XXXX income tax refund. I fought with the IRS for years over this, contacting my tax preparer to help with forms and whatnot. In XXXX the IRS contacted me stating back in XXXX, they had received the filing, processed it, and sent the money to a brokerage firm, XXXX XXXX who then sent it to my bank. Their letter even had the date my bank was sent the money. Then the IRS said they considered the matter closed. 

I went to my bank back in XX/XX/XXXX and XX/XX/XXXX, and showed them all of the correspondence between myself and the IRS. The bank said they never received the refund. They also said the specific amount I was supposed to have received didn't show up in their system in any accounts on or around that day. Then the bank basically said they were done, and I was on my own. 

Brokerage Firm : XXXX XXXX XXXX XXXX XXXX XXXX : Arvest Amount : {$2400.00}
Consumer complaint received 2019-05-15
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. (GA)

I went to my bank to see apply for a loan to purchase a home for my family and my mom. My banker told me that I did not qualify because of my credit. She gave me a copy of my report and I also went a pulled it myself and there are items on my credit that are not mine. Please remove from my credit XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX and XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (MS)

I contacted XXXX XXXX XXXX over 30 days ago requesting validation for the alleged debt that they say I owe them. I have not received any proper validation as I requested. I also do not have any contract or have done any business with this company.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

Raymour & Flanigan /Td retail card services. Consumer states that this account was closed in 2022 with TD Retail Card Services. Account was closed due to misleading, billing and interest, that was not disclosed with Consumer. TD retail card services continued to bill Consumer without coming to an agreement. There as been a big billing error and Banking error with this company. TD Retail card services continues to violate the banking act laws. TD continues to ignore the fact that this account was closed 2022 and has never established a settlement with consumer. Billing errors on this account has been reported before.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

My identity has been compromised Years ago. Several accounts have been opened under my name without my authorization or knowledge and i'm unaware of these accounts. In accordance with the law, I have sent a letter to the following creditors in order to verify the debts they allege that I owe and they can not verify debts to me.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

last week lender, Ocwen, sent emails that the only item needed was taxes ; taxes were signed and presented to Ocwen this week.Email from Ocwen said that the foreclosure would be placed on hold. Another email said that the foreclosure is NOT on hold. 

Ocwen hired their own company to foreclose. 

All kinds of calls from realtors and public calling and harassing over this foreclosure notice filed.