davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: BMW Financial Services NA, LLC (CA)

I was under the impression that my lease was up in XX/XX/XXXX so turned in the Vehicle a XXXX XXXX XXXX XXXX XXXX .I was told that I could do this and everything would good, well that wasn't true. I was completely lied to. 
My lease wasn't up until XXXX of XXXX so now after XXXX told I could return the car and I would not have any charges now I'm bein charge {$22.00}, XXXX. How could they lie to me about this? I would have never return the car early if I knew they would charge me this much. I do not feel I should owe {$22000.00} after they said it was ok return it.
Consumer complaint received 2022-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was having trouble making a payment to my capital one credit card. I called them to defer my payment and the lady explained that if I could make it in a certain time frame I will be fine. When they took the payment it returned and reported it to my credit report. I asked them for a good will removal since this is my first payment late and they are giving me a hard time. I am trying to buy a house next year and can not afford this late payment.
Consumer complaint received 2020-11-13
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: SYNCHRONY FINANCIAL (FL)

The following companies listed below refuses to remove these inquiries from my credit report.I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

SYNCB/TJX DC, XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I have tried repeatedly to get acccess to my credit report. All attempts have failed. The system does not recognize my user name, so I have it send it to my email. I then copy and paste it to avoid typos. The system says that is not my user name. I try my email. The system does not recognize it, although Experian sends me emails EVERY DAY. I try to change my pasword. Sometimes, I can, and then when I log in using that password, the system says it is wrong. I try calling. There is no way to reach a person. I finally got through to someone using the XXXX messages. She was unable to help She said it was forwarded to tech. They have failed to contact me. I am now blocked from commenting on their website. I see that many people are having this problem. It is a vey good way to make sure that people can not file disputes. In a previous complaint, Experian said they were sending the report. They did not. They lied to you. A paper copy of my report does not help if I can not get into the system to check my report and file disputes.I want access to my account. I want a phone number to call a person and not go through a lengthy process to get past a robot that fails to understand what I am saying. They have made contacting them IMPOSSIBLE.
Consumer complaint received 2020-11-09
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: Experian Information Solutions Inc. (KS)

On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the XXXX information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from Account XXXX XXXX removed from all 3 major credit bureaus on my credit report.
Consumer complaint received 2020-12-01
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)

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the XXXX Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 60 days. I feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 60 days and no response. I demand these accounts be removed immediately or I will file for litigation.
Consumer complaint received 2022-10-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (WA)

I have previously submitted a complaint and it was closed when the company responded saying they were fixing things. We filled out our loan modification paperwork on XX/XX/2022 and it was received by Cross Country MortgageXXXX on XX/XX/2022. When I filed the complaint their response was they looked into it and had discovered they hadn't sent the paperwork to the VA. They stated in their response to the complaint that they sent the documents to their closing department to be sent to the VA on XX/XX/2022. Well here we are over a month later and nothing has been sent or changed. We really need them to get it together, to say they are negligent in this case is an understatement. I don't know how they have been able to get away with this and not be reprimanded. When it comes to the credit reporting they had also stated in response to the complaint that they were not following cares act and reporting properly so our credit was taking the hit. They said they would fix it, they didn't and I had to by submitting paperwork to the credit bureaus who then fixed it for us. Well they are reporting that we are 60 plus days late again!! Our credit again is taking the hit for their inability to do their job. I need someone to fix this because no one should have to go through this especially when we have done everything we are supposed to.
Consumer complaint received 2021-07-28
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. (PA)

The companies involved is XXXX, Equifax and XXXX. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies
Consumer complaint received 2020-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

My ex-husband closed a joint checking account on XX/XX/XXXX when he shouldnt have. The account closed is where my sons social security check is deposited. I contact Chase on XX/XX/XXXX as soon as I discovered it and was told nothing could be done until the day the SS auto deposit was due. I called on Monday XX/XX/XXXX and was told yes I had to wait until the morning of the XXXX. I promptly called at XXXX, spent hours on the phone. 1st person disconnected me. Second person said she was new, spent 52 minutes on the line with her, she kept putting me on hold, then I was disconnected again. Called back, 3rd person opened the claim. I called in Wednesday XX/XX/XXXX, spoke with XXXX, she said, claim was pending callback tomorrow. I called back first thing Thursday XX/XX/XXXX, was told claim in process, funds will be moved before end of day, someone will call me from the claims department. No call came. I never saw evidence of funds being moved. I checked Friday morning, XX/XX/XXXX, funds were not in the open account. I called again shortly after XXXX and spoke with XXXX. She said claim was filed incorrectly and the funds were sent back to Social Security. I was livid. I had spent hours on this, each Chase phone rep, gave me WRONG information. XXXX stated wish you would have called yesterday and talked to me Hello, I called, I wish she would have answered, maybe this could have been resolved. Now I have to deal with Social Security. We had been trying to get my ex removed as personal rep, my son has a XXXX XXXX  due to XXXX  XXXX. I do as well. But because they have been closed, they just said keep moving the money to the new account ourselves, which worked until my ex got vindictive. Not only did he mess this up but Chase XXXX  us over too. Now my son has to wait for SS to resolve the matter to get his money. He gets paid once per month and is on the XXXX XXXX. Nice going Chase. Good thing he lives with me and I can take care of him. But Shame on you Chase. Why do you allow offshore individuals to handle such tricky situations that they know nothing about, I voiced my concern about making sure the funds were not rejected and each time, I was told they dont understand. I could not have been clearer. They dont understand how Social Security works. This is the fault of Chase. They should have provisionally paid this claim now until SS can get the money there which will be approx 7-10/days and we have a holiday coming up. And was son was due to travel to see family in California.
Consumer complaint received 2021-06-10
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. (OH)

During the past six months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this account.
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On Monday XX/XX/2020 I received a pop up from XXXX XXXX  .... ( that I could not get off my screen ) .... stating that my computer and my bank acct had been hacked. There was a 800 phone number on the screen, I called the number P. XXXX Fax.XXXX and a man claiming to be from chase fraud division name XXXX XXXX XXXX I foolishly followed his instructions. He said I was to set up a " alias acct '' so I could safely put my money into while the fraud was being investigated. He instructed me to go my bank and not to say anything to the bank officials since the could be part of the fraud! Once there I made an overseas wire transfer of XXXX XXXX XXXX dollars .... all I had in the bank. We were planning to move to a seniors development in delaware next year with the down payment money. I put in a claim with chase and they are not trying to help, He also transferred me to two men named XXXX and XXXX XXXX that claimed to be from the Federal Reserve Bank in DC I feel like a complete fool. Is there anything that can be done to get some if not all of my money back? Please help me.
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I have reached out to all the credit reporting agencies such as XXXX, Experian and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the Director XXXX  XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (GA)

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Barclays Customer Service Department Subject : Request for Account Information XXXX Dear Barclays Team, I am writing to formally request information regarding my account with Barclays . Please note that this is not a dispute but a request for clarification of specific details associated with the account. I kindly ask that you provide the following information : 1. The date of first delinquency associated with the account.

2. The date of the last payment made on the account.

3. The date of charge-off for the account.

Your assistance in furnishing this information would be greatly appreciated. Please send your response to the address listed above or contact me at XXXX or XXXX should you require any further details. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-20
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. (FL)

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

SECTION 10 : BANKRUPTCY FILING NUMBER XXXX XXXX  XXXX DISCHARGE
Consumer complaint received 2022-08-20
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The companies listed below 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Amount {$300.00} Balance date Account designator code Individual account Account number XXXX XXXX XXXX. XXXX OR XXXX XXXX LISTED Date opened XX/XX/XXXX Amount {$560.00} Account designator code Individual account Account number xxxxxx XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Amount {$590.00} Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX. XXXXXXXX XXXX Date opened XX/XX/XXXX Amount {$620.00} Status date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

I used td bank transfer to XXXX XXXX on XX/XX/2019, the amount was {$1000.00}. The bank has suspended the transfer due to account problems, and verification is required during the transfer process. I called immediately to cancel. The online service staff clearly told me that there would be no automatic transfer, but it was still transferred by td bank, because when I checked my bank records on XX/XX/XXXX, the transfer was from my bank without my authorization and notification Account transfer. I am very disappointed about this. Due to the irresponsible operation of the bank staff, I contacted td bank multiple times, but until now I have not received the money that belongs to me. They have been shirking responsibility and did not actively deal with this matter. I went to the cfpb department to complain about this matter. I hope TD Bank will be responsible for returning the money to me. TD Banks irresponsible behavior has affected me not to trust them. Their behavior makes me very insecure. Finally, I hope that the bank can solve this in the near future.
Consumer complaint received 2019-03-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I been a customer with XXXX XXXX for ( 15 ) years, each year, I apply for the loan and was approved. This year, I applied and was sent a letter, stating : 1 ) excessive balances/ derogatory loans 2 ) insufficient refund amount But upon pulling my credit report, this information is incorrect. I ve made several attempts to call the number on the correspondence, but they dont work.

Therefore, I m needing assistance with obtaining, the documents used to make the decision.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I had a CareCredit account issued by Synchrony Bank that was included in my XXXX. XXXX bankruptcy discharge. After receiving my discharge, I had applied for PayPal Credit which is also issued by Synchrony and was approved for a {$2300.00} limit. I was approved on XX/XX/22 and made XXXX purchase under the 6 months no interest option. Today on XX/XX/22, I login to my account just to see it is now closed. I chat with an associate online and they advised me that it was closed due to my history with Synchrony. If they were going to hold my CareCredit discharge against me, then why was I approved for an account only for it to be closed not even XXXX months later? This bank is very shady and I do not recommend anyone use them. There are many reviews/complaints that Synchrony randomly lowers credit limits and randomly closes accounts. I can understand if I got declined for including XXXX of their cards in my bankruptcy... but to approve me then close my account later on for my history is a poor business practice. So much for rebuilding my credit.