davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
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. (TX)

XXXX ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

I traded my car in for a newer vehicle on XX/XX/2020 from a big dealership. Wells Fargo Auto supposedly still did not get payoff as I have reached out to finance manager at the dealership and they have sent it out almost 3 weeks ago to Wells Fargo. I believe Wells Fargo maybe understaffed during pandemic and not getting my account paid/processed timely ...
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

On XX/XX/year>, I called U.S bank to close one of my credit cards because of their poor customer service and not resolving an issue. 

They ended up closing the account I never requested to close which I had filed the complaint for with CFPB. Heres complaint number XXXX. 

I suddenly cant use the credit card then I called U.S bank on XX/XX/year> to see if they put a hold on it because I filled a complaint. They said they closed the account. I said I never asked to close the account. The person didnt respond. 

She said in order to reopen this account, they would send me a form to fill out and explain why I want to open this card again. 

I told her I never requested to close this account and I recorded the call. As usual, no apologies or concern about the issue. 
There were so many recent transactions on the card and I wanted to keep it open so I dont have any issues receiving refunds and making payments easily. U.S bank retaliated against my complaint mentioned above and purposely closed the account that I never asked for. 

I have never gone through such trouble with any bank.
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I have been having difficulty making payments because my mortgage modification has come to and end and has impacted me financially. I recieved a letter in the mail by Onemain Finacial by the district manager in XX/XX/2019 that they can lower my payments or the interest rate to make it easier on me financially and when I called to ask for help they said to me that I would have had to have lost my job even after I explained my hardship with my mortgage increasing. So I tried asking for a payment deferral and arrangement to have my payment taken on XX/XX/XXXX and deferr the payment for XXXX. They sent me something to sign electronically but it wouldnt work and I explained that to them it wasnt working when I went online. So I made the payment myself XX/XX/XXXX and then they took out an additional payment from an account of mine that I didnt authorize. They didnt verify the account or anything they just took a payment from another account which I changed a long time ago because it was an account I dont use. They have caused me further default now in income and to look bad at my job where I work. I have also asked they not contact my job and they continue to do so. This is beyond unethical and should be handled accordingly.
Consumer complaint received 2020-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

Me and my husband opened in XXXX a checking and savings account in JP Morgan Chase. I'm a U.S. Citizen and my husband a XXXX XXXX. On XX/XX/XXXX, we were informed by Chase that they were closing our joint account because " we are no longer offer personal and business banking accounts to current or former non US officials, their immediate families or close associates ''. Same thing with our credit cards. Chase gave us a 10 days notice. 

It's my belief that as a result of Chase 's new policy there is an evident discriminatory action against myself solely because I'm married to a " non - U.S. official ''. It's also evident that is my marital status the alleged cause to terminate with very short notice the banking and credit card services in the middle of the COVID-19 emergency. When establishing this policy, Chase is refusing beforehand to provide me with banking services not only in the present but in the future, when my husband retires from the Foreign Service and becomes a " former non -U.S. officials ''. 

By the way, I was a client in good standing and my two personal credit card accounts have been always properly managed. So please, take action and make Chase stop this discriminatory practice against US married to foreign diplomats.
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (IA)

I applied for a pre approval with better.com at the recommendation of nerdwallet saying they were one of the better mortgage companies. I instantly received a pre approval of just over {$160000.00}. I spoke with a representative and she told me everything looked good on my account so I proceeded with finding a home. I got my purchase agreement and uploaded it like instructed, Went through all the steps and then had a 30 minute conversation with another representative who told me everything looked great, I had good rates and so on so forth. He then did one final step of running my information through an underwriting program and told me I was rejected. He tried to find other things he could do and found none and could not tell me over the phone why it was rejecting me just that the underwriting system said no and if it said no, the underwriter would say no. I later received an email with the reasons after reaching out to 2 other financial services to try and solve my situation -- I now have a purchase agreement and no loan due to things on my credit score I had no idea were there/were issues. If my credit had been checked properly I would not be in this situation. This has caused me to feel humiliated, I need to provide {$1000.00} in earnest money I'm not sure I will get back and I feel has hurt my reputation. I would not go get a home if I had not been preapproved in the first place. I don't feel like this is a fair practice for first time homebuyers. The second representative told me he has to deny people like me multiple times a day which leads me to believe others are also being fed this false hope of getting their home and then having that immediately pulled from under them. I didn't even want to get out of bed the next day I was so humiliated and felt extremely helpless. I just agreed to buy a home because this company assured me I would be able to afford it with my preapproval and now have no way to actually purchase my home.
Consumer complaint received 2020-01-22
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. (CO)

XXXX XXXX XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A charge of {$280.00} from " XXXX '' was received on my Bank of America card on XX/XX/19. I did not know who this merchant was and did not make any purchases for this amount. I called Bank of America, they closed my account and issued a refund and a new card. 
XX/XX/19 I received notice from Bank of America that the fraud claim was denied as I had done business with this merchant before. After more phone calls I discovered that " XXXX '' is actually XXXX. 
With that information, I could confirm that this was now a disputed charge. I did have an account with XXXX which had been closed due to an expired credit card on file. I did not want to renew this account so prior to the expiration, I confirmed with a rep through the XXXX online chat feature that the account would just expire. To be sure, she told me she had unchecked the 'auto renew ' option on my account and I had nothing further to do. 
I sent hard copies of the emails from XXXX and a letter detailing the timeline to Bank of America on XX/XX/19 to the address in the letter they sent to me which had denied my initial claim ( they do not accept emailed copies ). I received confirmation on XX/XX/19 that they had reopened my claim and I would receive a response within 30 days. XX/XX/19 - No response from Bank of America, I now have a bill for {$280.00} due on XX/XX/19, they state they have not received my documentation, the XX/XX/19 claim needed to be reopened ( even though I never received any notice that it was closed ) and I am responsible for making payments until they resolve the issue. Bank of America first dropped the ball by allowing an expired credit card to be charged, they conveniently never received any of my documentation, they somehow closed an active claim with no communication to me about it and now they want me to make payments on a transaction that should not have happened in the first place.
Consumer complaint received 2019-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Sent a letter that I was in default for 49 days late. I am not sure why. The company doesnt answer my question about it. The company forgot to put my real estate taxes into my escrow and after having the mortgage for 3 months realized it and increased mortgage. How can you forget to add that when the previous company had it in my escrow.? My statement says what is owed and what is posted in my app says it is paid. Not sure what is going on. This company doesnt like to answer your questions and you cant talk to anyone that knows anything.
Consumer complaint received 2019-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Regarding Capital One Case # XXXX I disputed charges from the merchant for the same exact reason I disputed the other charges from the same merchant from the very day before, and they treated that dispute completely different. They sent the dispute to the merchant and asked them to respond, as they were supposed to. That was not the case with this one. Not only did they not send my dispute to the merchant, but they sent me a letter asking me a bunch of questions that had absolutely nothing to do with my dispute!! Mainly asking for a cancellation date ... I never stated I cancelled any services!!! I told just that, and sent the letter back to them ... And, big shock -- They responded back stating that they requested a cancellation date from me and although they received my response, it lacked all of the requested information needed to validate my dispute ... Um, what?!? Are these people completely XXXX  as a rock, or do they just like playing XXXX in order to simply deny everyone 's disputes?? I'm really beginning to question this.
Consumer complaint received 2019-07-25
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: CarMax, Inc. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
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: Experian Information Solutions Inc. (TN)

I AM A VICTIM OF THE 2017 XXXX DATA BREACH. MY PERSONAL AND BANKING INFORMATION WAS COMPROMISED AND I TOOK IMMEDIATE STEPS IN AN ATTEMPT TO RECTIFY THIS SITUATION WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL. I HAVE PROVIDED YOU WITH A COPY OF MY ID/DL, SS CARD, FTC REPORT, AND POLICE REPORT TO ASSIST YOU IN THIS MATTER.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I XXXX XXXX am stating that Ad Astra Recovery is attempting to collect an alleged debt from me that I do not recognize or acknowledge to owning. I have no knowledge of this account or having a contract with Ad Astra Recovery. I was never given a notice of this debt or that I had a right to dispute it before it was placed on my credit reports. I have asked through the three major credit reports of validation for this account by showing me wet ink, original signed application that I agreed to pay them or any amount. As of yet they have not responded to my requests for those documents. I am requesting full " validation '' of this account as per my FDCPA rights.
Consumer complaint received 2020-07-25
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. (TN)

XXXX is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to XXXX and I have asked XXXX to freeze my all information regarding my name and personal information. XXXX, XXXX  and Equifax can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.
Consumer complaint received 2020-01-22
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: EQUIFAX, INC. (FL)

XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt
Consumer complaint received 2020-07-25
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. (WI)

THESE COMPANIES ( XXXX, a Equifax, and XXXX  ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.
Consumer complaint received 2020-07-26
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. (VA)

I have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2019-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (IN)

My idenity was used to get medical care from XXXX XXXX XXXX XXXX XXXX. I have never received medical care from this company. The account was sent to Americollect and it is seeking a payment in the amount of {$220.00}. I request that Americollect terminate this account and stop sending payment request for said account.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

The agency should investigate and open an inquiry on the unfair business practice of USBank 's credit card division which is unfair to consumers USBANK has current policy in their small print in the statement that reads the payment of on the due date must be receive that day on or before XXXX CST otherwise the payment will be considered late and {$29.00} late fee will be accessed This policy is unfair and discriminatory especially to the consumers who are living in the west part of the country. If the due date is XX/XX/XXXX and a payment was made at XXXX PST, the payment should not be late and should not be accessed a late fee I would like the agency to review this policy have it change as not only this is unfair to consumers in the west and discriminatory as well
Consumer complaint received 2020-07-25
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: EQUIFAX, INC. (CO)

Retail account which does not belong to me keeps showing up on my Equifax report and keeps bringing my score down. I do not have this information with the other 2 bureaus. It says XXXX   XXXX XXXX but i have never had a XXXX XXXX account. It says on my report the account was opened in XXXX but i didnt have any legal documents at that time. My status was changed and i got my social security number in XXXX.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( XXXX, XXXX, Equifax ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX  - Date Opened : XX/XX/2016 ( TU ) ; XX/XX/2016 ( XXXX  & Equifax ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-25
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: EQUIFAX, INC. (NY)

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 XX/XX/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 XXXX, XXXX XXXX or Equifax 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 XXXX 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.