davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (NV)

On XX/XX/2020 I filed a report with my local police department stating that I have been a victim of Identity theft and that my credit report reflects I owe {$7600.00} to Procollect, a collection agency collecting on behalf of XXXX XXXX XXXX, which I believe is in XXXX XXXX, TX. I have been working with the company Cyberscout which is assisting me with fraudulent accounts appearing on my credit report. I contacted Procollect to inform them that this account is the result of identity theft and I was told to email Mr. XXXX at XXXX. In the meantime, I received a letter dated XX/XX/2020 at my XXXX  XXXX address ( when I called Procollect the agent wanted my address ) from Procollect attempting to collect. On XXXX XXXX my Cyberscout representative, XXXX sent Procollect an email sating I have been a victim of identity theft and included a copy of my drivers license, XXXX XXXX XXXX police report, an FTC document that contains multiple fraudulent accounts. A week and a half later I received another letter from Procollect, dated XXXX XXXX, stating that their client contends that this is a true and valid debt. Included was a photocopy of a temporary permit and on the permit is an image of what appears to be an XXXX XXXX  man ( Im XXXX  ). I relayed this information to my XXXX  representative, but XXXX, a senior fraud specialist, is now assisting me and advised I that I file a complaint with the Consumer Financial Protection Bureau. I have been dealing with Identity theft for about a year now and all of these fraudulent accounts are being opened in Texas. With that said, I have police 2 police reports, letters from this and other collection accounts, documents that show I live in XXXX XXXX, NV. This is the only collection on my credit report currently, and hopefully no more surface.
Consumer complaint received 2022-11-29
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)

Lexis Nexis is reporting a bankruptcy in my credit file and has put the data furnisher as the, XXXX XXXX XXXX XXXX XXXX Georgia, which is false. I have included a letter, from the XXXXXXXX XXXX XXXXXXXX XXXX Georgia, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
Lexis Nexis is falsely reporting this information. Therefore, supplying the credit bureaus with false information and have yet to remove it from my credit file.
Consumer complaint received 2023-12-10
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America credit card was fraudulently used to pay for XXXX transactions including a cash withdrawal totaling over {$2400.00} and my credit card company is refusing to credit my account for fraud. 


Posting Date in chronological order sort by Description in alphabetical order Type Expand Type of transactions sort by Amount in ascending order Balance Expand transaction for Transaction date : XX/XX/2023 FRAUD DISPUTE XX/XX/2023 XXXX transaction for Transaction date : 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 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
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I have been trying to get a XXXX year end statement for a month now from SunTrust. I paid off this loan to refinance with another lender in 2020. I went to their website to download or view my XXXX. Since the loan was paid off there were no loans showing on their site. I called into customer service for assistance. They advised that since the loan was paid off I couldn't view by statements or documents. I asked if they could see my XXXX and they advised no since loan is paid off. I asked if mine will be mailed and they advised not getting one since the loan is paid off. This is not true as I paid interest during 2020 when they services the loan. I hung up and called back a few days later. When I called again I was on hold for 45 mins before getting a rep. This rep advised they were mailed out but couldn't prove mine was ever sent. They would not issue a new one and as used to call back after XX/XX/XXXX. I have no proof that one was ever sent to me. I have to call in again to try to obtain something that I should be able to self serve.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In early XXXX, 2023 I applied for the CapitalOne Quicksilver credit card that offered a {$200.00} cash back after spending {$500.00}. I spent the required amount. I asked when the statement credit would be applied to my account. I was told by the representative that my card did not fall under this promotion, even though this was the promotion I applied for. The representative told me that CapitalOne reserves the right to switch credit card promotions on anyone applying for their card. However, I was NOT told this at the time I made application. She stated I was switched to a finance option card, which I do not need as I do not carry card balances. Furthermore, I would NOT have applied for a card that only offered a finance option as I do NOT want hard inquiries on my credit report. I have a credit report in the XXXXXXXX XXXX and do not make a habit of opening credit and negatively impacting my score. CapitalOne made a hard inquiry, and negatively impacted my score, and switched their card offer on me without my approval. They obviously knew they would have to pay out the {$200.00} to me after I spent the required {$500.00}. I know of others receiving this cash back offer without being hassled. Why was my credit card offer switched!? I am requesting that CapitalOne make good on their offer, for which I made application. They owe me {$200.00}. This is FRAUD on the part of CapitalOne to do bait switch business.
Consumer complaint received 2023-05-23
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: FORD MOTOR CREDIT CO. (CO)

This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXX  XXXX XXXX Owed : {$3000.00}
Consumer complaint received 2020-12-29
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. (CT)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-06-24
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. (WA)

The following accounts were opened without my consent or knowledge and are a case of identity theft. 

XXXXXXXX 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
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please delete this account from my credit report as it is fraudulent and does not belong to me. It does not appear on my XXXX or my XXXX and is only appearing on Equifax. I have included the identity theft report a well. 

Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XXXX XXXX
Consumer complaint received 2020-12-29
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. (TX)

I have Experian Credit Monitoring service and while checking my credit report. I noticed several things wrong with my credit report. That cause a drop in my credit score done by Experian. One is that they have ne for 21 charge-offs no one company reports 21 charge-offs. You can only get one charge-off per grantor of credit. I also, paid off my XXXX XXXX XXXX about two years ago. So, XXXX XXXX is no longer reporting anymore on the account. I was told that it was reported late that is why my credit score dropped.
Consumer complaint received 2020-12-29
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. (CT)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-12-27
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15U.S.C 1681.Section 602 A. States I have rights 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 2023-04-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Adonis Auto Group, LLC (MS)

Under the guidelines of consumer law, when a manufacturer or dealer fails to repair a product within a reasonable amount of time, the consumer is entitled to either a full refund or a replacement vehicle. It is the responsibility of the manufacturer or dealer to provide satisfactory repair work and make things right for the consumer. In this particular instance, as a result of the amount of time that transpired and the failure to resolve the issue, I consider the XXXX XXXX XXXX XXXX to be a defective product. 

XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX XXXXXXXX. 3 days later it shuts down on the highway leaving me stranding in the middle of the night. 
A few days later Adonis had the vehicle towed to a XXXX dealership and after about 2 weeks, Adonis decided the XXXX dealership would cost them too much money to replace a better and alternator and had the vehicle towed from XXXX Louisiana to XXXX Texas. From there it took an additional 6 weeks before the vehicle was in my possession and working properly. Upon receiving the vehicle, it was entirely cleaned out of all my personal belongings, and even my warranty and contract paperwork with Adonis is missing. 
XX/XX/XXXX the air suspension on the vehicle malfunctioned and Adonis had a wait time of 2 weeks to set an appointment for them to only diagnose the issue. 
XX/XX/XXXX I am in Mississippi and the vehicle completely shuts down and all electronics are malfunctioning. Adonis had the vehicle towed to the XXXX dealership in XXXX Mississippi for the to repair it because it would be too much to transport it to their service center in XXXX XXXX Texas. 
XX/XX/XXXX Adonis had the vehicle transported to their service center to complete their own diagnosis because the XXXX dealership in XXXX Mississippi stated the problem is a gps tracking the device installed on the vehicle by Adonis that has malfunctioned. 
Adonis has not tested that issue and has replaced a computer module in the vehicle and it did not resolve the issue. 
The service manager has stated if the vehicle is not able to be fixed by XX/XX/XXXX then I may be offered a mechanical trade out if the account managers approve. 
The vehicle is a XXXXXXXX XXXX XXXX XXXXXXXX XXXX  with XXXX miles. Their inventory has newer year model cars but nothing equal to the size and options available on the XXXX. 
The service manager also does not have information on how the mechanical trade out works so I am not aware if they will give me a random vehicle or let me choose.
Consumer complaint received 2022-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRUIST FINANCIAL CORPORATION (SC)

I am the co-signer on my daughters student loan established XX/XX/2008 and have tried multiple times to be removed as the co-signer. Every time I call XXXX they tell me she has fulfilled the requirement of 48 consecutive on time payments, then when it goes to SunTrust, now Truist, they deny her application to remove me as the co-signer. We have never seen a late fee on statements each month, so we do not understand how they can say she was late on payments. She also has the payment automatically drawn from her account.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have attempted to get Credit Acceptance removed from my consumer report, because I notice some errors being reported. XXXX honored my request by removing the account from my consumer report. However, XXXX and XXXX did not removed the account. They modified the account but yet there are still errors on the report such as, The balance, the open date, the date last reported, and last active date. ( XXXX XXXX shows XXXX, XXXX shows XXXX. XXXX not reporting ). ( Experian Open Date shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX not reporting ). XXXX Last Active Dates shows- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX- not reporting. The FCRA requires that all claims must be MAXIUM POSSIBLE ACCURACY and MAXIUM POSSIBLE COMPLETENESS. 15 U.S. Code 1681- Congressional findings and statement of purpose ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-04-08
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. (NY)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2020-12-29
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-29
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. (TX)

I filed a dispute on XX/XX/2020 with each credit bureau regarding inaccurate/fraudulent accounts. It has been more than 30 days and I have not received a response. I was under the impression that the credit bureaus had 30 days to complete an investigation and if they failed to do so the accounts had to be deleted. Well since it had been past 30 days, I sent each credit bureau a no response letter this was XX/XX/2020. I still have not heard anything from them, I have not received any results or any notification that an investigation had even started. I am becoming frustrated and thinking about filing litigation because the credit bureaus have been ignoring my disputes and that is not cool at all. I was a victim of the XXXX  data breach so I don't know who got their hands on my information. Please delete the accounts immediately. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
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: JPMORGAN CHASE & CO. (CA)

For XX/XX/2022, we had a hotel booked in FL for the family using the credit card with the bank. 

When we landed up at the hotel at around XXXXXXXX XXXX the room that was given to us was full of bed bugs and roaches and spider webs. We immediately complained to the front desk and informed them of the situation and they said pest control will fix it the next morning and the hole family was too tired as we were visiting FL from CA after a very long journey and we had small kids too. 

Next day morning, we went for vacationing leaving the stuff behind in the room and when we came back, the pest control was still not done and we requested for a new room which was given to us but again, the same issue was there at which point the next morning we decided to immediately check-out and leave for another hotel. We did filed a complaint against the hotel and the state health inspector confirmed our findings the next day. we sent lot of emails to the hotel manager but no response was given. 

Finally, we contacted Chase Bank to raise a dispute on XX/XX/2022. Chase bank had an option to open the dispute which was " I am dis-satisifed with the services given to me '' and I selected that option and was told to contact customer care which I did on the same day and I had an argument with the customer rep as she was adamant that I used the service and hence no disputes and no credit. 

i kept on telling her how will I prove my dis-satisfaction if i will not use the services but she kept on saying that I used the service and hence no disputes. The bank 's option to open a dispute using the option " I am dis-satisifed with the services '' is mis-leading as customer care rep do not allow us to raise a dispute using this option at all and keep on insisting that since we used the services, bank will not help. 

After a lot of argument, the bank opened u pa dispute against the hotel and asked me to submit the pics which I sent and explained them thrice over the call what happened and how my family suffered but to no effect. The bank still considered it as a billing error and closed the complaint in merchant 's favor citing no billing issues. 


Question : - a ) How should I explain the bank that I never said it was a billing error and I always kept on saying that the services that were given to me were not upto the mark and not expected. 
b ) How am I expected to know before hand that the hotel was ok to stay without actually visiting and staying there and later on, when I suffered, neither the hotel, nor the bank helped. 
c ) Why the bank is displaying the option of dispute as " I am not satisfied with the services '' when they dont even take into account the word " satisfaction '' and just considers whether the services were offered or not?