davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unauthorized and unknown charges were made on my prepaid XXXX card on XX/XX/2020 in different states. I contacted issuing bank to replace card and recover the funds that were lost. Issuing bank replaced card but has not been able to begin a claim to recover the funds. Today is XX/XX/2020 and I have not been able to successfully speak to an employee at the bank from the claims department. Wait time on phone calls exceed 2-3 hours with no answer. No claim to recover the lost funds has started because the only way to do it is to speak with an authorized employee, which i have attempted with no success.
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (CO)

Experian should not be reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account does not belong to me. This account belongs to my father. I have contacted XXXX, as well as Experian to remove this account from my credit report however, I have not been successful. This account is also reporting ( 90 ) days late and is seriously harming my credit score. Please remove this line item from my credit report.
Consumer complaint received 2020-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

Hello, I had a collection account with Convergent regarding a XXXX phone bill. They made an offer on the online account they had for me, and I paid the amount that was due. The debt that was owed is still showing on my credit, and the company is still asking me to pay for more money on their online account. I am asking Convergent to update that I no longer have a balance as it is illegal to not update that I have paid my balance ; therefore, showing inaccurate information to the credit bureau. 

Thank you.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (PA)

I am unsure of the date I first received a Chase Sapphire XXXX credit card in the mail. I did not apply for this card. I did not activate the card. I later received a statement with a {$95.00} membership fee as the balance due. I called and spoke to two individuals who transferred me to the same department citing that the department was large. The automated phone system asked for my social security number as did one of the individuals. I declined to provide my social security number. I pressed the issue of my not requesting nor applying for a card. I was finally told they would cancel the card and I will receive a letter. I did receive the letter, however, I am dissatisfied with the fact that I would like to see the application that was obviously fraudulent. My credit report also shows an inquiry. I am very dissatisfied about that fact. I don't trust the letter, or anything associated with this incident.
Consumer complaint received 2023-01-19
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. (NV)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Consumer complaint received 2020-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (CT)

I moved into an apartment complex called XXXX  XXXX  XXXX  XXXX in XX/XX/XXXX. When I moved out in XX/XX/XXXX, I paid off everything I owed to them, including utilities and whatever else I owed. In XX/XX/XXXX, I started receiving pre-collection notices in which threatened they were going to take further legal action if I don't pay. I was very confused by this since I paid everything off in XXXX and wasn't living there anymore. Why was I getting these emails in XXXX? So I called the office at the XXXX  numerous times and they offered no assistance, all they said were these are charges from XXXX. But I paid everything off in XXXX, to the manager. I tried to contact the debt collector and the same thing happened ; no responses. After a little while, a collection account popped up on my credit report. I'm not sure why this happened. I believe It was something personal because I seriously did nothing wrong. Im just a college student. This " {$110.00} '' is jeopardizing everything for me.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I need to lift a freeze with Equifax. I am unable to sign in on online. When I call, I only get an automated message, I can not talk to a live person, the info I provided does not work and phone is terminated. I need to lift the freeze, I have no way of doing it, as I can not speak to a person. My email and XXXX message have gone unanswered.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-19
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 {$0.00}, XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX  Balance : {$390.00}, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX  XXXX Inquiry : XXXX. XXXX, 2022, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (RI)

On XX/XX/XXXX i filed for chapt XXXX in RI. All my debt was discharged in XXXX of XXXX. 
A lien was put on my house in XXXX of XXXX sum of {$1900.00}. File no. XXXX. Plaintive - CITIBANK account ending last four XXXX. Plaintiff 's Attorney XXXX XXXX XXXX XXXX. 
I don't remember being properly served and I don't have any paperwork or communication with citibank or their attorney for that time. 
I am currently in the process of refinancing my home. 
The title search discovered the lien. I contacted my attorney about 3 to 4 weeks ago. XXXX XXXX XXXX XXXX who processed my chapt XXXX. 
From what I understand of the conversation between the two attorneys is that Citibank will not release the lien on my home without a payment of aprox {$3600.00} almost double the amount of the original discharged amount. 
I am being extorted in this time of a national emergency and financial crisis. I can not pay the {$3600.00}. that has been discharged and I can not refinance my home with this lean on my home. 
I live in this home year round and need immediate financial relief.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I was laid off in XXXX from the events industry - an industry that is still not allowed to open as per mandates from state and local governments. I have lost over {$100000.00} in expected income so far this year. 
I have been in regular communication with Citibank since this lay off and have kept my account current until XXXX, when additional relief expired from the federal government. As state unemployment is not enough to cover expenses, I contacted Citi and signed up for a two-month deferral of payment due to COVID. 
I have now passed that two month period and have received a notice my account is past due and I owe {$2200.00} minimum. I contacted Citi ( XX/XX/2020 ) to find out what I could do to keep the account current and make a reasonable payment - again I am out of work and not allowed to work as per the government. 
I was told I had two options : 1 ) a " catch-up '' program I could enroll in, where I could make $ XXXX/month payments for 6 months and then resume full payments. Interest and late fees would still accrue. 
OR 2 ) a negotiated payment program with reduced APR and no late fees, but that would close the account. 

I asked to sign up for the catch up program and was transferred to another agent. Upon speaking to that agent, they told me something completely different - ultimately my only option was to pay $ 2200+ to bring the account current, or close the account and go with the second option. 

I am just trying to keep this account current and work with Citi during this time. It won't last forever and work will return. Instead, Citi has decided that ruining my credit or driving me to bankruptcy are the only two options. 

Again, I am willing to make payments that I can afford right now until this gets worked out - either the government gets their act together, or I am able to get back to work - also contingent on the government. With these type of options from a major bank, I don't know what they expect people to do?
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

On XX/XX/2019, I scheduled my monthly mortgage payment for Caliber Home Loans. Caliber has an antiquated system for taking my payment and took the payment late. By taking it late, they filed a late payment charge with all my credit companies. I called them numerous times to point out this was their fault not mine and had proof of such fault in email which showcased I put the payment in on XXXX XXXX to pay Caliber on the XXXX ( when payment was due ). Caliber has been extremely rude with this situation. I've had their customer service swear at me, state this is my problem and that I should have known it would take them days to process my payment. This didn't add up so I filed disputes with my credit companies but Caliber has won them every time. I hired a law firm who was able to get one of the credit companies to remove the mark but the other two credit companies : XXXX and XXXX  still have this mark on my credit history. In addition, the law firm was in constant contact with Caliber for over a year and Caliber continued to send actual mail to me stating that they reviewed everything and they're right I'm wrong. But over the past year, they continue to call me and send me emails and snail mail about refinancing my mortgage etc. Therefore, they want my business but they're unwilling to admit they were wrong and in the process have ruined my credit life. 

I have email proof I paid this payment on time, scheduled it on time and that Caliber took to long to process this payment. That's not my fault they don't have the capability to process payments on time. Banks can take a check deposit within seconds of us uploading the check so why does it take Caliber 1-3 days to process a payment? And why are they so adamant on not fixing this situation and admitting fault? It's ruined my credit for no reason besides their incompetence. It's hurting my family and makes me never want to do business with them ever again.
Consumer complaint received 2020-05-11
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 (CA)

I filed a complaint with the CFPB ( # XXXX ) against Capital One. Capital One 's " response '' was another form letter showing that my earlier letters were not even read.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (GA)

Dear XXXX XXXX, I have a question do Carmax participates in truth in lending? 


If so persuant to 15 USC 1662B & 15 USC 1635, when making a consumer credit transaction, NO cash can be exchanged after I have extended my social security number and extended my credit which covers the entire transaction amount ( FINANCE CHARGED ). Its illegal for Carmax to charge me a down payment of {$5000.00}. Thats fraud. 
I have a copy of these violations on the attach highlighted in color Yellow. Which clear states the violation several times. Reference case XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) page 71 U.S. 551 Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, XXXX said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the Constitution against invasion. The obligation of a contract is the law which binds the parties to perform their agreement. Because of what appears to be lawful command on the surface, many Citizens, because of their respect for what appears to be law, are Cunningly coerced into waiving their rights due to ignorance. XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX ( 1956 ). 


I have discharged this with your company I have proof from the IRS my next step Ill be request an audit on behalf of your company. you're fraud the people you have charge off the debt and still acting as if the debt is still valid! once you charge off a debt is becomes taxable income for the so called debter.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

LexisNexis keeps reporting my credit card judgement as a landlord tenant dispute which has caused me to be denied housing on several occasions. Ive been trying to resolve this issue since XXXX it is now XXXX and Ive had no luck in having them correct their information. Ive even gone down to the courthouse and it isnt filled as a landlord tenant dispute yet Lexis nexis keep reporting it does im at the end of my rope and taking legal action is my only option Im having to stay in XXXX  and hotels because I couldnt relocate for work because of lexisnexis
Consumer complaint received 2020-05-11
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)

THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-01-19
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. (OH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (VA)

XXXX Or XX/XX/2018 I Filed Bankruptcy And Credit Acceptance Is In My Bankruptcy And Both Cases Is Closed But Why I'm Still Making Payments? I Tried Talking To Credit Acceptance (  XXXX ) But No Results. Before I Forget My Vehicle Was Repo And I Paid Over Twenty Four Hundred, And They Keep Adding Interest While It's Paid OFF Where Is My BILL OF SALE.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (PA)

XX/XX/XXXX they claimed I owe them an application fee.. I called them and explained that it wasnt me me and how I was going to fiord a police report against them.. they told me they was send me a fraud packet.. u never received it I never applied to any apartments in XXXX
Consumer complaint received 2021-01-27
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: BlueChip Financial (OH)

In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company Spot on loans AKA XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXX. This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at Spotloan XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, Spotloan has received a copy of the complaint that you filed with the XXXX. At Spotloan, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, Spotloan sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with Spotloan after not receiving a payment from you in over 90 days. We never received a payment. Spotloan sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete Spotloan will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor XXXX XXXX
Consumer complaint received 2020-05-11
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. (CA)

I HAVE A NEW COLECTION ACCOUNT THAT JUST APPEARED ON MY CREDIT REPORT THAT I THINK IS PART OF MY IDENTITY THEFT CASE BECAUSE I HAVE NO IDEA WHERE THIS CAME FROM AND WHO MAY HAVE OPENED IT USING MY PERSONAL INFORMATION.
Consumer complaint received 2020-05-11
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. (FL)

XXXX, XXXX  and Transunion are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX  amount {$450.00}