davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/XXXX I had a capital one credit card. I fell behind in payments because I lost my job. When tax time came I called capital one and asked for a pay for delete because they had been reporting on my credit report ... I was agreed and I made the payment. I paid the complete payment and to this day the acct is reporting as closed and paid but its still reporting as a collection on my credit report as of XXXX
Consumer complaint received 2015-11-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

In XXXX of this year I purchased tickets for a show. I late discovered I could not go. I contacted the vendor requesting a refund. I received no answer. I then contacted citi and requested they dispute the charges. The show was subsequently cancelled. I provided this information to citi. Yet they still sided with the vendor. I paid for a show I did not attend. This is unfair and deceptive.
Consumer complaint received 2022-08-08
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. (GA)

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXX bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names 1. XXXX XXXX Account number : XXXX 2. XXXX Account number : XXXX 3. XXXX XXXX XXXX Account number : XXXX 4. XXXX XXXX Account number : XXXX 5. XXXX XXXX Account number : XXXX 6. XXXX XXXXXXXX Account number XXXX 7. XXXX XXXX Account number : XXXX 8. XXXX XXXX Account number : XXXX 9. XXXXXXXX XXXX XXXX Account number : XXXX 10. XXXX XXXX Account number : XXXX 11. XXXX Account number : XXXX 12.XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-04-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION (MD)

About two years ago, I attempted to move from my small townhouse with my XXXX children. The mortgage lender asked how was my credit. Since I knew I had no negative information on my report so I replied great. My mortgage lender pulled a copy of my credit report. As we reviewed the reports I was in total shock. Navy Federal Credit Union LLC was reporting a completely false debt which was causing a denial of the loan. We 've been struggling for the past 3 years to improve life for our family and give our kids a stable home just to give it all. I knew the account was not mine so I wrote my first dispute to Navy Federal Credit Union 120 days ago stating that I may be an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored so 90 days ago, I wrote another request and I even attempted to get a police report. Turns out you can not get a report if the incident occurred more than 12 months ago but I still tried. Then, approximately 45 days later I received a letter from them stating that they find the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated that the account was not mine and added in that this was my 3rd attempt and that they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft they again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person???
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I don't know how to go about getting this corrected so I was told to file a complaint if thingson my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrectspelling of my name ( XXXX XXXX ) not name please delete it. I was looking further intomy file I found addresses that I never lived at. Please delete the following unknownaddresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2016-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (NY)

on XXXX XXXX i was checking my credit report when i see that i had something reported to my credit file by XXXX as a collection item. immediately i contacted the credit bureau who informed me it was from some collection agency call Stella Recovery Inc. its reporting that i owe {$560.00} to comcast which i have never had any service with. i was not aware that there was a bill in my name with this company as i have never had any form of communication which such company. i put in for a dispute and on, regarding this creditor. on XXXX XXXX i received an email from XXXX stating that the dispute was complete and a number was given to me XXXX, however, when i checked my report the info was still on my file, so i again call XXXX and the rep told me that they contact XXXX and XXXX said this belong to me. i immediately called comcast who could not find any info with my name or address in their data base or even an account number for this service, not only that they informed me that they do not deliver service to my area. i have never lived anywhere out of XXXX and find this strange. attached please find a copy of my id and the info that was reported to my credit report. i would like for this to be completely be removed and this agency who is reporting false info to my report be dealt with. also the credit bureau makes me feel like there is no safety with them either which is really sad. this is no the first time my credit info is being compromised and it bothers me to the core.
Consumer complaint received 2023-04-08
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. (PA)

Dear Sir/Madam, I am writing to dispute 18 inquiries that appear on my credit report. According to my records, these inquiries were not authorized by me, and I believe they were made without my consent. 

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 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 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  I am also requesting that these inquiries be removed from my credit report as soon as possible, as they are negatively affecting my credit score. 

I have enclosed a copy of my credit report with the inquiries in question highlighted for your convenience. Please review the information and provide me with a written response within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely
Consumer complaint received 2021-04-29
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. (OH)

I don't know how to go about getting this corrected so I was told to file a complaint if thingson my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrectspelling of my name ( XXXX XXXX ) not name please delete it. I was looking further intomy file I found addresses that I never lived at. Please delete the following unknownaddresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2017-09-26
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: CITIBANK, N.A. (WI)

I did not authorize or apply for new lines of credit with either XXXX or Citibank. There should not have been hard credit card inquiries from either service.
Consumer complaint received 2022-07-20
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. (GA)

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$160.00}
Consumer complaint received 2017-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

I have a refund that is due to me, I had an escrow analysis done on my account on XX/XX/XXXX and since that analysis I am due a refund of 2100.00. I switch jobs in XXXX and had issues with my payroll so that cause me to lack on payment. I was told if I made a payment by the 15th they could cut me my refund check. Well time passed on and never received my check. Called in XXXX and spoke with a very rude customer service rep and I paid a payment onXX/XX/XXXX thinking my refund would be rushed and I would have it in 14 days. Well come 14 days which was afterXX/XX/XXXX I was told the check was n't cut because now it was afterXX/XX/XXXX. I explain to the young lady that I was told the check was already cut. She explain to me that she does n't know why I have n't received it but she would put in another request. On last week I called to follow up on my check and the rep told me that they did n't process the refund bc I was now due for XXXX but what she could do is take my payment for XXXX and XXXX out of my escrow refund and cut me a check of the difference. I explain to the young lady that XXXX payment will be paid, they would only need to take XXXX 's payment out of the refund and cut me a check for the difference. The customer service rep then called me back from loan care headquarters and told me she spoke with a manager and she would need me to send a request to the customer service email in order for her to take XXXXXXXX XXXX payment out of the escrow refund and she will cut me a difference in a check. Well I sent an email to customer service giving them permission to take XXXXXXXX XXXX payment out of my escrow refund and I also received a confirmation number from the email. Well I called todayXX/XX/XXXX to do a follow up and another customer service rep explain to me that I was misled and was given the wrong information. He said they would n't be able to take XXXXXXXX XXXX payment out of my escrow refund. He apologize and ask about the XXXX payment, well I told him I do n't have XXXXXXXX XXXX payment bc I was advised on last week that XXXX payment would be take from my refund and a check would be cut to me in 14 days ... .well I was lied to again! I spoke with a supervisor on today and she apologized and place me on hold to see what she could do to make it right. Well she could n't do anything either but tell me sorry and that she would listen to the call and find out who gave me false information. I am so upset because I have a refund that 's do to me sitting there and now I will be a month behind in my mortgage because I spent XXXX XXXX payments towards another bill because I was given false information. I have been given the run around on this account since XXXX, I 'm so tired of fighting this battle with Loan care.
Consumer complaint received 2015-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC (FL)

My wife and I have received XXXX ( XXXX ) telephone calls from Premium Asset Lending since Monday XXXX XXXX, 2015. 

My wife received XXXX ( XXXX ) phone calls on her cell phone at work yesterday, XXXX XXXX, 2015 from this telephone number " ( XXXX ) XXXX and ( XXXX ) XXXX from an " XXXX XXXX '' calling from " Premium Assets Lending '' leaving a XXXX messages to contact me XXXX XXXX regarding pending legal action that will " take place '' if I do not contact him " XXXX XXXX '' by the " XXXX '' -today is XXXX XXXX. One message said to call " XXXX XXXX ( spelling? ) " the attorney handling the case- case number : XXXX by the " XXXX '' not XXXX XXXX, 2015 just the " XXXX '' I do n't even know what I am being contacted for -I received XXXX telephone calls, XXXX from a woman on Monday XXXX XXXX, 2015 who did not identify herself at telephone number ( XXXX ) XXXX who left a message on cell phone to call " ( XXXX ) XXXX '' immediately and threatening that " there is legal action pending. '' I then received a telephone call from " XXXX XXXX '' from telephone number " ( XXXX ) XXXX '' leaving a message on my cell phone this morning telling me to call him back by the " XXXX '' because of a legal matter of concern with me. 

What can we do to stop these threatened phone calls from Premium Asset Lending
Consumer complaint received 2022-08-08
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. (GA)

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXXXXXX bankruptcy and XXXX  XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-22
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. (NY)

I WAS VICTIM OF IDENTITY THEFT, AS A RESULT THESE ACCOUNT IS REPORTING IN MY CREDIT, ILLIGALITY, IS NOT MINE AND NEVER AHD DONE BUSSINES WITH THIS COMPANY XXXX XXXX XXXX # XXXX
Consumer complaint received 2015-03-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (TN)

My bankruptcy ended on XXXX/XXXX/2015 and I received verification from my lawyer that those that I had XXXX loans with have been notified. Out of XXXX lenders, Wells Fargo was the only XXXX that I had not received bills from since then. 

I received a letter today ( XXXX/XXXX/2015 ) stating that my loan has been defaulted and I need to pay the full amount. I was also given the option to try and work out a payment schedule but my only option to do that is by phone. Unfortunately I ca n't afford to make that call or to have a phone. 

I hope through here I can facilitate some type of electronic communication to get this resolved. I also prefer electronic communication so I have the documentation for my records in case I need to go to court regarding this issue as I will need to represent myself and need the documentation on my end of my efforts.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$160.00}
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I sent a rescission notice to the " so called '' lender, WELLS FARGO HOME MORTGAGE CO. effective as of XX/XX/2015 and they acknowledged it and refused to accept it and did not contest the rescission within the XXXX day time limit stated in the XXXX and so have waived all defenses in this matter. I am trying to get them to comply with FEDERAL LAW and comply with XXXX and release all encumberances on my property, return all funds paid by myself on the loan that was rescinded, and return of the promissory note. to date all I have received is stonewalling by WELLS FARGO HOME MORTGAGE and have even received XXXX letters on the same day from different people. I have been receiving harrassing phone calls even though I have a do not call stated on my account, I finally had to block the calls on my Cell. They disguise the calls by calling from numbers listed all over the U.S.. This is also a violation of FEDERAL LAWS and will not be tolerated by me any longer.WELLS FARGO and other Banks think they are above the law when they are now finding out that they will feel the full force of JUSTICE upon them for what they have done to our economy and to the Americans they have hurt so bad! 
XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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: SYNCHRONY FINANCIAL (CA)

SYNCB/XXXX XXXX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( SYNCB/XXXX XXXX XXXX )
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX, 2017, I received an electronic communication stating that Capital One 360, an internet based bank, wanted to transfer my money to an undisclosed third party. The bank stated that they placed an electronic block on the account. Therefore, I did not have access to my account. To this date, they refuse to remove the electronic block. They also stated that they closed the account without evidence or due process. They also refused to provide records such as bank statements. The checking account number is XXXX. The account still has funds available.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was robbed at an ATM while XXXX, the XXXX can be seen in the camera footage. I requested that the bank review this information and help me recover any costs or proceed with police complains, they did not, and did not show any proof that they attempted to resolve the issue in any meaningful way.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

NORDSTROM/TD BANK USA is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. 

( NORDSTROM/TD BANK USA XXXX XXXX
Consumer complaint received 2017-09-26
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. (GA)

I recently viewed a new copy of my credit report and Equifax is reporting public record tax lien XXXX on my credit report. This tax lien does not belong to me. This public record has never appeared on my credit report. I am already upset and bothered that my personal information was compromised due to the recent Equfiax breach. Now it seems that Equifax is in the habit of reporting public records that do not belong to me and these erroneous accounts are hurting my credit scores. 

According to the new rule set forth as of XXXX XXXX, 2017, all public records/tax liens must show verifying information. This tax lien XXXX does not belong to me.