davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

Hello again, Just last week I spoke to one of your Customer Service Representatives, they had told me to write in regarding the aging of my account with you. In addition, the agent told me the reason the account is aging at this time, showing a charge off as of this date,  XXXX/XXXX/202, is because your " system '' shows that I have disputed the account, therefore it automatically reports it as currently being charged off. When in reality it was charged off almost seven years ago. This is not only damaging my credit or what little I have it is also false information.

Therefore, I am asking that you be so kind to remove the " dispute '' on my credit report with your company right away. Please report to all three credit reporting bureaus right away. Then, please on the  payment history do not report past the actual charge off date as per law or the FCRA. This should take the account to the proper status. Please see that these changes are done right away. 

Thank you in advance. 

XXXX XXXX
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've been a loyal consumer with Capital One for a while now. On XX/XX/2021 I initiated a consumer credit transaction for a line of credit increase with my SSN also referenced by XXXX as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application for a line of credit increase as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 

Pursuant XXXX XXXX XXXX XXXX and Duties of Banks and XXXX XXXX have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

On my Experian credit report its showing a XXXX loan that has been paid off since XX/XX/XXXX, XXXX have paid this loan off in XX/XX/year> Experian has yet to remove this information off my credit report. Its showing a balance of {$22000.00} this information is incorrect as this loan is paid off!! I have documentation to prove that this loan is paid off, I went up to the bank and got a receipt from the teller, she took the check and paid off the XXXX  loan. Experian has yet to remove this information from my report. this loan is closed!!! Experian has this account as open when this account is closed. 

There shouldn't be no way this loan is open on my credit report when I have paid off this loan on XX/XX/year> this needs to be closed and not open!!!! 

This XXXX is paid off!!! I called the bank and they confirmed the loan is paid off so this needs to be closed on my credit report on Experian
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

In XXXX of 2018 I had a car that was repossessed. I was never given my license plate or registration back. Later I receive a toll tag bill with the same license. I also paid for MMP maintenance coverage and gap Insurance that was never prorated and reimbursed to the account. A year and a half later I go to apply for a job only to be denied the job because it shows a balance on my credit report even though I was told after the repossession that the Lien was satisfied. I was told whenever their is a repossession you are suppose to be given a chance to receive your belongings as well as your license plate tags and registration. I was able to retrieve my belongings but not my tags and registration. I also was not informed on when the bidding for the car toook place which would have given me a chance to buy it back.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I have inquiries that showed deleted but are still showing all my account that dont belong and this is XXXX also reporting on equfax that all of them need to be deleted and not showing on account.
Consumer complaint received 2022-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a credit card that I have not applied or requested for from Capital One. It came by mail on XX/XX/XXXX. 

I called Capital One the following day ( XX/XX/XXXX ) and talked to three different representatives who were all very helpful, and I requested that my account be deleted. The last person I talked to, identified herself as an account manager, assured me that my account has by then been deleted and that there will be an investigation as to how a request for a credit card came to be. She also informed me, after I asked, that the processing of the new card was initiated on XX/XX/XXXX. She gave me a timeline of 60 to 90 days for them to figure out what happened.

However what bothered me was that they had all my personal information. As the call progressed, I was asked to verify my identity by giving my name, social security number ( last 4 digits ), my date of birth and of course my address. 

I am very sure I did not apply for this card. I don't remember If I ever had any account with Capital One. Identity theft is a possibility, but as of this point I have not encountered any other issue with my finances other than this. I also as a precaution review and restrict information sharing ( as much as I can ) with other financial entities I deal with.

I obtained two credit reports from the two of the three biggest credit reporting agencies which showed " soft inquiry '' from Capital One on XX/XX/XXXX.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (MO)

In 2018 we couldnt keep up with credit card interest and contacted Freedom Debt Relief speaking with XXXX XXXX. I asked before I signed up what would happen if I became unemployed again which is the reason I needed their services. Construction was bad and I fell into debt supporting my family. XXXX said if I lost my job I would just stop paying and pick up where I left no charge. First they settled with XXXX which was about $ XXXX and began settling with other smaller creditors until told them to slow down because my original $ XXXX monthly payment soon became almost {$1200.00}. I was fortunate to work incredible overtime to barely keep up last year. I was sued by XXXX XXXX XXXX, XXXX, and XXXX XXXX  and FDR provides attorney XXXX XXXX from XXXX who didnt reduce my debt I ended up with payments that increase in time that I have no idea how I will pay them when they go up. This year construction started out slow and then Covid19 hit so since the end of XXXX I have only worked a few weeks. Our savings was disappearing so I asked FDR to ask my creditors for Covid19 relief which they did not do so I called XXXX myself. XXXX said since they sued me they only speak to XXXX XXXX that called me minutes later. He was able to get me a 2 month break but now XXXX XXXX XXXX wants past due in full even though I wasnt working. I asked FDR customer service to stop withdrawing from my checking account and they continued until I threatened them with the XXXX because I was advised to do this by XXXX XXXX whom they appointed. FDR still has never spoken to XXXX XXXX about Covid19 relief and now I am lucky to work part time and am trying to pay FDR even though it might lead me to bankruptcy. XXXX XXXX is the last FDR Representative that I tried to communicate with. FDR costumer service is terrible. I feel like I am set up for failure after being promised they would work with me if unemployment was an issue.
Consumer complaint received 2022-01-25
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: JPMORGAN CHASE & CO. (FL)

On the morning of XX/XX/XXXX fraudulent transactions were made on my chase freedom card account. I called Chase to report the incident at XXXX EST, and spoke to a representative for 11 minutes. They closed the account, and issued me a new card. During this phone call I also received a text message from Chase fraud at XXXX stating 'a transaction for {$480.00} with my card was declined at XXXX XXXX was this you? ' I replied No. I let the representative on the call know they were still trying to use my card, and I just received a text message. At XXXX i received text messages from Chase stating my text alerts were being now sent to a different phone, and a notification of a password change to my mobile banking. I called Chase back at XXXX, and spoke to a rep who walked me through changing my username and password, and reset my alerts to be sent to my phone #. By XXXX there were more unauthorized charges to my account so I called Chase again, and was told by the representative that someone called around XXXX impersonating me and was able to get the card turned the card on. At this point I was on the call with the Chase representative for 44 minutes setting up a verbal code so in the future when calling they can verify it is me calling. By now there were 5 unauthorized transactions totaling {$1800.00}. Within the next 72 hours the charges were removed however I was re-billed for these charges on XX/XX/XXXX. From here I have been calling Chase Fraud department every morning trying to get this issue resolved. I have sent in all the documentation needed that proves my case, and have spoken to multiple supervisors. I have also been requesting to speak with a manager since XX/XX/XXXX, but have been told the manager has to call me. I informed them I can only accept calls before XXXX EST because of my work schedule, and no manager has yet to call me in that time frame.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 6 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2020-09-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Hello, on XXXX XX/XX/2020, I called Caliber Home Loans # XXXX about my escrow funds. Please note that my mortgage was paid off via a wire transfer on XXXX XXXX XXXX.Typically, wire transfer clear up in three business days between different institutions, which I contacted my new servicer, XXXX XXXX   and they confirmed that the transaction was cleared. I also verified with the county of XXXX XXXX, where my property is located and my taxes are up date and have the new servicer 's information. In addition, I contacted my hazard insurance company and they also have the new servicer 's information and my insurance policy is also up date. 

When speaking to several clerks and two supervisors at Caliber Home Loans they all dragged me along the same theory and avoided to provided an actual status of my funds. All they kept on repeating was 21 days. I find this egregious and deceiving practices towards consumers. I feel that I have the right to know the status of my funds and I also feel that my funds should be returned to me the soonest, not when some institution feels like doing it. They should have the power to hold my funds hiding behind some internal policy when all has been cleared on my account. I respectfully request an explanation.
Consumer complaint received 2023-01-27
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. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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.
Consumer complaint received 2020-09-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

See attached letter to Equifax. See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance can not be validated. See page 3, the balance shown is {$3000.00} while page 6 shows {$3700.00}. Which balance is due? No one knows. In addition, the lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from  XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. 
According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

XX/XX/2022, XXXX letter from XXXX stating I applied for credit, and I did not apply for credit. 

A XX/XX/2022 Fraud Hard credit hit from XXXX showing on my Equifax report, I did not apply for and credit with XXXX
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!
Consumer complaint received 2022-03-14
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. (AL)

My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!
Consumer complaint received 2020-09-09
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. (MS)

I have a bankruptcy on my credit report that should be off my credit report. It's been 7 years and it's still on there. I'm asking for it to be removed all of the other creditors has deleted it off my report. Thanking you in advance.
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Several years ago, I Obtained a loan from Capitol One Bank for the purchase of a used car, with " automatic payments '' taken monthly from my XXXX XXXX XXXX Account. The payments have always been " auto pay ''. One month, they did not take a payment and continued on taking payments, the next month, until XX/XX/XXXX. So account is current. Bank statements show payment on 2nd of each month since I have had the loan. No LATE Payments. Ever. They told me to request investigation but it takes a couple of months to do an investigation and I'm interested in purchasing real estate at this time. The Credit Bureau shows 5 or 6 months of consecutive late payments which is impossible since Capitol One deducts payments on the 2nd of each month. I just found this out when they pulled my credit report. Bank shows all payments to Capitol One by 2nd of each month for the duration of this loan, to this date. Please help me!!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately! I had XXXX Late payments on an account XXXX  that XXXX was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XXXX XXXX and XXXX XXXX I am now requesting you invetigate the account and update this payments to on time immediately thank you for your understanding
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I applied to Amazon Commercial Credit Card issued through Synchrony Bank. They have sent me an adverse letter, denying me credit due to " Insufficient credit from trade references '' and that is complete bull XXXX. I am the natural consumer and I am the one who is supplying the credit. Synchrony Bank does not issue out credit, they just extend MY credit back to ME. They are supposed to be following the Fair Credit Opportunity Act, but they are discriminating against me. I am a " applicant '' pursuant to federal law, and in good faith I exercised my RIGHT to obtain credit under the Fair Credit Opportunity Act, and they unlawfully denied me credit.
Consumer complaint received 2021-07-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2020 a collection letter was sent to me by PORTFOLIO RECOVERY and add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer and I'm requesting legal action to remove this account legally
Consumer complaint received 2022-10-25
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. (PA)

I am a Consumer and I notice a few Consumer Violations on my Consumer report that I would like remove. My Right to Privacy has been Violated, I never consented to no one to furnish anything on my Consumer report. And I did not give anyone Permission to use my Non Public Personal Information for anything. Attached you will find a list of all said Violations.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

I completed my trial payments for modification with Ocwen. After completing the modification and approval process I called for the pay off. I lived out of the state of Georgia and hired a real state broker. Due to fraudulent activities the sale did not go through. Ocwen/PHH  and or XXXX XXXX  foreclosed without notifying me. I now have in possession copies of fraudulent documents stating I sold the home, stating I lived in the Midwest and was notified of a foreclosure despite not being behind. Because the home was sold and I was denied a loan on XX/XX/22 because of my previous home XXXX XXXX XXXX XXXX GA XXXX I am asking for the satisfaction and release of title ASAP. The documents loaded in the countys website show creative fraud in securing my property.