davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have been trying to save my home and the lender continues to play games with my loan. They first messed up on my original review and tried to blame the reason that my counselor had given the wrong answers. After waiting over 4 months for them to close the previous review they are continuing to misplace my information. 

My counselor XXXX XXXX called them on Monday XX/XX/XXXX and they advised that I could move forward with 2 options. A partial claim by itself or a HAMP with a partial. My counselor advised them that I want the HAMP with a partial claim because that would benefit me the most. 

Today on XX/XX/2021 they continue to ask the same thing over and over again! I have already advised them what would benefit me and I don't need them to give me another excuse!!!
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION ()

In XX/XX/2021, I lost online access to my credit card account as my phone number changed. This meant I was not able to view my statements, in order to make payments, due to a loss of 2 factor authentication. I called multiple times to attempt to resolve the issue, and submitted proof of identity multiple times as requested. However, my issue was still not resolved - I remained unable to access my account and make payments. In a final call in XX/XX/2021, I sought confirmation that I had done all I could on my end, and would not be charged interest while Capital One restored access to my account. I was given this assurance. 

I followed up in XX/XX/2021, and found out that I had in fact been charged interest. While my XXXX and XX/XX/2021 calls, where I sought the above assurance, were recorded, Capital One refused to review these calls to confirm as such, nor would they provide me with the recordings of those calls, and advised that my interest charge would stand. In fact, in XX/XX/2021, I had explicitly requested email confirmation of the agreement made in those calls in order that I had confirmation of our discussion, but was denied.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the accuracy of several charge-off accounts listed on my credit report. I believe these accounts contain errors and require further investigation. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you thoroughly investigate these accounts to verify the accuracy of the information reported. Please provide me with detailed information Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I initially contacted Transunion to dispute this inaccurate account XX/XX/2021. I received a response from Transunion stating that the account was verified by the US bankruptcy court of Colorado, which was inaccurate. I contacted the US bankruptcy court of Colorado, and I was told by the court clerk that the court does not provide any consumer information to 3rd party reporting agencies. Transunion willfully and knowingly gave me false information, and did not follow the guidelines congress set pursuant to 15 USC 1681e ( b ) Compliance Procedures.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, my bank is Bank of America. I notice on XX/XX/XXXX that money was taken from my checking account 14 times by a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) located at XXXX, Ca, 390 miles from me. The total amount it was taken for food and service was {$960.00} PLUS BANK FEES. First I called my bank, they said because the most of the money was taken on XXXX they would not be able to put all the money back to my account. That I need to call the merchant/business and asked them to refund me. I understand if this where charges I authorized or was aware and I want them to chargeback all 14 transitions, but NO. This is fraud, I've never been at XXXX and why would I order food being 390 miles away? I contacted the merchant, we went back and forward through email, I provided bank statements etc. They said it was XXXX, then later said if it was someone using their ATM to take cash out then it couldn't be their fault. They told me to go back to my Bank and asked them to give me the money back. I feel played, because my Bank wont help me resolved instead told me to all the FBI, which I did and they said the Bank needs to return the money to me. I need the bank to realized that this was unfair to me and need to do more for me. Return my money and bank fees they charge me and investigate how that happened so it wont happen again. My card was cancelled. Again this happened all year of XXXX, from XXXX to XXXX of same year. I suffered an accident and was XXXX XXXX XXXX XXXX XXXX and trusted my bank account was in good standing and nothing like this could happen to me. I feel betrayed that my Bank does not have my back. 

Note : Im also attaching business address ( screen shot ) so you can see it is not a walk-in business, a customer could not walk in and just use a ATM. I also included ( attached ) screen shot of my emailing back and forward with owner. I believe my bank needs to be involved and return my money they aloud to be taken.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Agency of Credit Control (CO)

This month, Agency Credit Control fraudulently placed a $ XXXX collection claim on my credit report on behalf of XXXX XXXX XXXX XXXX - XXXX XXXX-Attorney. Mr. XXXX failed to provide contracted services in XX/XX/XXXX which resulted in actions taken by the Colorado XXXX Court XXXX XXXX XXXX. Since that time, I have not heard or received anything from XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, or Agency Credit Control. I only became aware of the collection actions when I noticed a significant decrease in my credit score. 

It appears Agency Credit Controls is not a licensed debt collection agency in the State of Colorado. The name of this collection agency is Agency of Credit Con on my XXXX report and Agency Credit Control on my XXXX report.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

I am the victim of a data purge and somebody is trying to use my social and credit to take out credit cards and buy merchandise from 3rd party vendors like XXXX ( a XXXX $ XXXX XXXX was bought and sent to my address but I returned it ). I have already spoken to the people at XXXX  XXXX XXXX and told them that the credit card applications being sent are fraudulent. I have just received a letter in the mail from a denied discover card application. Some one is actively trying to use my identity and I have filed a police report with my local authorities and froze my credit on the 3 major credit companies and also place an initial fraud alert. I am at a loss of what to do next.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

On XX/XX/2021, opened a new checking and saving account, in connection with a promotional offer where a {$300.00} opening account bonus was said to apply if a balance of {$15000.00} was deposited within 30 days and maintained for the next 60 days. The first condition was met on XX/XX/2021, and the second condition met on XX/XX/2021. Despite having met the requirements, the new account opening bonus has not been paid.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (GA)

GM Financial reported to credit agencies that I was late on my final payment of {$540.00} for lease account # XXXX. 

I did not fail to make these payments. The DEALER failed to make these payments. Please see the attached default letter in which the sales manager at XXXX XXXX XXXX XXXX XXXX writes : Please recognize this default letter as an effort to correct or remove any delinquent information on account number : XXXX, Mr. XXXX XXXX. 

Mr. XXXX grounded his lease in XXXX, fully understanding he would not be responsible for his last two payments in the amount of {$540.00}. He turned in his lease vehicle on the XXXX of XX/XX/2021. 

I failed to process the necessary documents through our accounting department, which caused the delay in paying off the lease. Attached you will find a copy of the payoff check that has been sent to settle the account. Please contact me in the event there is additional information needed to correct this account. 

My efforts to resolve this directly with GM Financial failed. Ten phone calls over a three-month period led me to an " accounts '' department that was reportedly obligated to respond to my written compliant within 30 days. They did not respond within 30 days. Therefore I am escalating my complaint with the CFPB. 

When XXXX customers are in the process of leasing a new vehicle, the dealer and GM Financial present a united front. That united front should continue even when the dealer makes a mistake like this.

Because I assumed as much, my credit score dropped from " Very Good '' to " Fair ''. I feel penalized for having faith in GM Financial 's business processes. They need to make this right and rescind the information they provided to credit agencies.
Consumer complaint received 2021-08-14
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. (TX)

In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure. 

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.
Consumer complaint received 2021-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure. 

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.
Consumer complaint received 2021-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (SC)

Reference number XXXX This was my second denial for an amazon XXXX visa XXXX account denied by chase bank. The first attempted exposed holes in my credit report including collections, outdated adress, bad information that needed disputed. I fixed these issues with a series of actions. By the time i resubmitted my application, my credit report had changed drasticly and this chase amazon XXXX  card was going to be my 3rd credit card. 

They denied my second application using info and scores provided by my first application ( before i had corrected info with the credit bureau ). And while XXXX  XXXX approved my application, chase amazon XXXX did not. I feel like i have been discriminated against for having XXXX durring a pandemic. ( Info that i disputed with credit bureaus and was granted judgemnet in my favor ). XXXX  folks stopped working XX/XX/2020 but fed gov didnt pay them payrol benifits until XX/XX/2020 forcing some very XXXX people to fend for themselves in a pandemic. Some things didnt get paid on time due to a natural disaster. I disputed this info with credit bureaus and my dispute took those off my report. Chase bank is still holding it against me. This is discrimanation and it is illegal.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX reported to credit agencies that I was late on my final payment of {$540.00} for lease account # XXXX. 

I did not fail to make these payments. The DEALER failed to make these payments. Please see the attached default letter in which the sales manager at XXXX XXXX XXXX XXXX XXXX writes : Please recognize this default letter as an effort to correct or remove any delinquent information on account number : XXXX, Mr. XXXX XXXX. 

Mr. XXXX grounded his lease in XXXX, fully understanding he would not be responsible for his last two payments in the amount of {$540.00}. He turned in his lease vehicle on the XXXX of XX/XX/2021. 

I failed to process the necessary documents through our accounting department, which caused the delay in paying off the lease. Attached you will find a copy of the payoff check that has been sent to settle the account. Please contact me in the event there is additional information needed to correct this account. 

My efforts to resolve this directly with XXXX XXXX failed. Ten phone calls over a three-month period led me to an " accounts '' department that was reportedly obligated to respond to my written compliant within 30 days. They did not respond within 30 days. Therefore I am escalating my complaint with the CFPB. 

When XXXX customers are in the process of leasing a new vehicle, the dealer and XXXX XXXX present a united front. That united front should continue even when the dealer makes a mistake like this. 

Because I assumed as much, my credit score dropped from " Very Good '' to " Fair ''. I feel penalized for having faith in XXXX XXXX 's business processes. They need to make this right and rescind the information they provided to credit agencies.
Consumer complaint received 2021-08-20
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. (CA)

I have a XXXX XXXX credit card on my credit report that I have no knowledge of, I submitted a complaint with Transunion on XX/XX/21 it's been well over 30 day and they have not responded back to me.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX XXXX dollars XX/XX/XXXX was the last time I received money out from my prepaid EDD Card I have already used it for Three months and its work good but unfortunately I see that Im not able to remove my money.
Consumer complaint received 2021-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I was having trouble with PHH mortgage regarding my escrow account. My escrow account keep going into the negative because of my homestead tax credit that I received. I contacted PHH several times to get someone to do an escrow analysis on my account. They did at least 6 analysis but couldnt find the problem. My mortgage payment kept fluctuating because of the problem. I even received a overpayment check because they said that I had to much money in the account. They problem was finally found out in XXXX of 2020 and it was found that they were given me too much of an exemption. It took them over 2 years to find the problem. When PHH found the error they sold my loan to XXXX Mortgage because they didnt want to deal with the error. XXXX  mortgage contacted them on my behalf several times but was informed that since the loan was sold that its nothing that they could do. I had XXXX mortgage do several escrow analysis for me and the knee it was a problem but they couldnt get PHH Mortgage to cooperate. I ended up selling the house and I had to pay for the escrow account negative balance which is wrong. Now XXXX mortgage is giving me the run around because theyre paid in full. Now XXXX Mortgage is telling me its nothing they can do and the issue is with PHH mortgage. Im stuck between a rock and a hard place. I need someone to help me rectify this problem.
Consumer complaint received 2021-08-20
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: I.C. System, Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... CAPITAL ONE BANK USA XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.