davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, a checking account with XXXX XXXX XXXX was fraudently opened in my name. I called to report the fraud, and was given case # XXXX. I followed up on XX/XX/XXXX after receiving a letter dated XX/XX/XXXX stating that the account was overdrawn. I was told that no action had been taken on my original case, and was given a new case # XXXX. Since then, I have received 5 additional overdrawn account notices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received an additional letter dated XX/XX/XXXX stating that the account was closed. I called to follow-up again after receiving the letter dated XX/XX/XXXX and was told that the bank was unable to close the account because there were fees associated with it. Today ( XX/XX/XXXX ) I called again after receiving the letter dated XX/XX/XXXX. I was told by the representative from the fraud department that " The bank has decided to stop communicating with you at this time. '' As of right now, as far as I am aware, there is still an open account in my name that I did not open, that a negative balance, and the bank will not work with me to resolve the issue.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

I find out in my XXXX credit report. I'll had a collection from Apple Card Credit issue by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. It say 's in the documents this account is Apple Card consumer credit account opened under in my agreement. And it say 's also in the papers the Co-Owner may have access in my information. I'll never apply this credit and I don't have any idea. And I don't understand why this Goldman Sachs Bank, approved people apply online using other people Identity. It is not safe if this Bank they don't make it sure the information are correct before they approved people applying credit card online. I did call the XXXX XXXX because it say 's in my XXXX report XXXX XXXX is the Data Source and XXXX XXXX.
Consumer complaint received 2020-05-15
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. (NJ)

The below accounts are keeping me from refinancing my home, and many other things I am trying to do, these accounts do not belong to me and I have tried very hard to get these companies to fix this on my report because it is not mine, but they haven't removed this inaccurate information as of yet. 

XXXX XXXX Opened XX/XX/XXXX {$680.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} Account # XXXX UNSECURED XXXX   XXXX Opened XX/XX/XXXX Balance {$500.00} Account # XXXX XXXX COLLECTION AGEN Opened XX/XX/XXXX Balance {$380.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX UNSECURED COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX Account # XXXX XXXX/XXXX   Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} Account # XXXX
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts were reported as late ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX According to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive this aforesaid letter and as a direct result i would like the late payment to be updated on my credit file.
Consumer complaint received 2022-12-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

Our mortgage was transferred from XXXX XXXX XXXX to New Rez Finance last month. XXXX XXXX XXXX processed our COVID Forbearance in XXXX and per several conversations and paperwork, the amount ( {$44000.00} ) during the forbearance period would be transferred to the back of the loan. As of XX/XX/XXXX, New Rez took over our mortgage XX/XX/XXXX and XXXX XXXX XXXX did not include the forbearance period amount to the transferred mortgage. Unbeknownst to us, we receive a separate mortgage in the mail by a company called XXXX XXXX service requesting the entire forbearance amount of {$44000.00} dollars without any notification XXXX XXXX XXXX XXXX. Our first mortgage payment to New Rez was submitted on XX/XX/XXXX through bank ACH from XXXX XXXX XXXX XXXX. The payment was processed, cleared and confirmed by XXXX XXXX. Upon logging into my account to make XXXXXXXX XXXX payment, I noticed the XXXX amount was showing not received. I contacted XXXX XXXX and they confirmed there was a tracking number through the treasury, and the payment was received by New Rez on XX/XX/XXXX. XXXX XXXX initiated a dispute for the payment, and I resubmitted another payment to New Rez on XX/XX/XXXX to avoid our credit being impacted. I just logged into the New Rez account and the balance shows we are now owing XXXX and XXXXXXXX XXXX payment. XXXXXXXX XXXX payment was made on the XXXX and withdrawn from our bank account just like the payment made on XX/XX/XXXX. I was purposely waiting for XXXX XXXX  period to process prior to making XXXXXXXX XXXX  payment, but our account shows no credit to the account for the last payment made. I also firmly believe once our mortgage was updated to reflect our XXXX Veteran tax exempt status, XXXX decided to sell our loan; and they were also dishonest in their process regarding the COVID forbearance. I spoke to New Rez on XX/XX/XXXX when I made the payment which was processed over the phone by an agent. I don't know where the payments are going, but I am not comfortable about this entire process with them. I see incompetence from a company who can not even track mortgage payments they are collecting. This is also straining us financially, and not to mention the additional mental anguish. Please investigate these two companies for unfair mortgage practices. Thank you for your time.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

The collection agency has stated that it has ceased all collection efforts, yet Equifax is continuing process and persist updated derogatory information for the account/tradeline. The XXXX XXXX has stated they have CEASED ALL collection efforts for the account. Moreover, the collection agency is not licensed to collect on debt in my state. That means the collection account/tradeline should not be on my credt file -- period. An account can not legally be reported as a collection account with a collection agency if the collection agency can not legally collect on accounts in my state. Moreover, they can not engage in actions that violate the XXXX, which happened in this particular instance. The reason my particular state requires licensure to collect is to PROTECT its residents from unfair and unlawful practices. XXXX XXXX XXXX discrimination is unlawful. Collecting on accounts without a license to do such within the sovereignty of a state that requires a license to do such is unlawful. It then follows that furnishing information that is/was generated in comission of unlawful actions is a material violation of a data furnisher 's responsibility under Regulation V. Likewise, a Consumer Reporting XXXX , that knowingly and willfully persists information generated/obtained/and received as a result of unlawful activity is a violation under Regulation V.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act Account number # 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.
Consumer complaint received 2020-05-15
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. (NJ)

The below accounts are keeping me from refinancing my home, and many other things I am trying to do, these accounts do not belong to me and I have tried very hard to get these companies to fix this on my report because it is not mine, but they haven't removed this inaccurate information as of yet. 

XXXX XXXX Opened XX/XX/XXXX {$680.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} Account # XXXX UNSECURED XXXX   XXXX Opened XX/XX/XXXX Balance {$500.00} Account # XXXX XXXX COLLECTION AGEN Opened XX/XX/XXXX Balance {$380.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX UNSECURED COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX Account # XXXX XXXX/XXXX   Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} Account # XXXX
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

There is an amount on my credit profile for {$5000.00} for rental property. I submitted a letter to the company to inquire about this charge and they sent me papers regarding the leasing agreement. I have no knowledge of this agreement and did not live at the property stated.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I had to get me a car because I was need of transportation like anyone else with a job! I had about {$400.00} left to my name & went to XXXX XXXX because I could do a low down payment! After test driving multiple cars without a/c & a high mileage, I found one that had a/c & was around XXXX XXXX miles. I read through the paperwork & signed. A couple weeks/ months later I go to make an extra payment on my account, so I could start paying on the principal no problem! Mid way through my payments, I had to call & be told that my payments are now going toward only the interest because my early payments caught up. Maybe XXXX XXXX but I need someone to explain how thats possible. Ive made little payments here & there, and have even made an actual auto payment early, somehow that all caught up to me. I went to check my account this month & my loan hasnt moved anywhere so it seems like that little payments didnt help at all. I cant help but to think Im being scammed or taken advantage of! ( I know getting any loan is a guaranteed scam, but the communication during the whole process is XXXX awful & confusing )
Consumer complaint received 2020-05-15
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. (MO)

The following unauthorized accounts are not mines, they do not belong to me in any manner, and I'm demanding that they be removed and blocked from my credit file. The three major reporting agencies are the problem, each has experienced an breach but does not take any responsibility for their lack of security and the mishaps of your credit file. You constantly telling these agencies that you did not open nor authorized these accounts but yet they seem to be working against you. I was XXXX  for XXXX  years even when this account was opened. So please remove and block the following accounts from my credit file immediately. 

1. XXXX XXXX 2. XXXX  XXXX XXXX
Consumer complaint received 2020-05-15
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: U.S. BANCORP (VA)

XX/XX/XXXX I called Elan Financial Services and I spoke with XXXX-CSR about paying off my {$300.00} secured credit card. I was advised by XXXX that she could not discuss my account as it is no longer open and due to a system update she is unable to accept any payments or see any account information including balances. She stated to call back in 2 weeks to see if the account has been updated. I advised XXXX that I had spoken with someone in XX/XX/XXXX at Elan Financial Services who advised that no account information can be given at that time and to call back. Per that representative multiple customers accounts have been in the system update status since XX/XX/XXXX. There is nothing that can be done on their end to assist me. 

XX/XX/XXXX I called Elan Financial Services and I spoke XXXX again about my account balance. She advised that my account is still in the system update and she is still unable to provide any account information. Elan Financial Services advised their customer service representatives to tell all customers with outstanding balances that accounts are involved in system update and to call back at a later date Explained to XXXX I have been trying to pay this balance for months with no success. All 3 credit bureaus are being updated and showing that I am 90 days delinquent and I am unable to resolve my account with Elan Financial Services or have my credit reports updated. XXXX understood but stated she is unable to assist me and to call back in two weeks.
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (GA)

I Do not have amy CONTRACT OR TIES to this company or the alleged debt that, they're Reporting on my credit profile. I've sent disputes to the credit reporting agencies as well. Please understand that this is a violation of my Rights to Privacy under the FCRA 15 USC 1692,1681,6802,1611, They are furnishing my credit information to 3rd parties, without my permissible purpose or My WRITTEN consent.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

Tried to buy gas on XX/XX/20 with Chase bank debit card. Denied, got three different XXXX  reasons for the decline. Called main phone number - transferred to corporate ( XXXX ) XXXX, # XXXX. No reason given for problem with my card, will investigate? I told her I needed the card to work by XXXX on XX/XX/XXXX as I had to go to XXXX XXXX, a 45 minute drive and I needed to put gas in my car. No reply, no reason, no new card, no opening on existing car. 
This situation is past absurd, Chase doesn't know what Chase did? Not acceptable under any circumstances. I need this fixed ASAP. I have more than sufficient money in the account, therefore I need an immediate remedy. I HAVE to be able to get to MY MONEY. Things are bad enough with C19 without utter XXXX  added in.
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CO)

I have been sending money orders which are legal tender, to Ally Financial for the last 8 months, ( XX/XX/22 ). Today I received a phone call, stating they are going to Repo my automobile. They are not abiding by their commercial laws on the private side. Ally Financial must abide by the Full Faith and Credit, they are not honoring their agreement with me, XXXX and now they are threatening my livelihood, which is my first amendment right, as well as they are committing fraud on their part and against me, and the United States Treasury. Ally Financial has been provided by XXXX, my claim, on my signature card, and yet, they are completely in disregard to my rights as the creditor and that of the XXXX, XXXX XXXX XXXX XXXX. I would really appreciate your immediate attention, in preventing them from further harassment.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

Account has been active since XX/XX/XXXX. 

On XX/XX/XXXX - Comenity Capital Bank Closed account due to policy changes. 

Spoke with XXXX - CCB Manager on XX/XX/XXXX, He stated company changed procedure to close accounts with no activity for 18 months - previously this limit was 31 months. XXXX also stated that accounts between 16 and 18 months were issued a letter of intent to close. 

CCB did not notify any account holders between 18 and 31 months of intent to close. 

This violates the 45 day requirement for any major changes to credit card terms. 

This action was classified as a negative event on personal credit report.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (PA)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 PURSUANT TO THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CO)

My credit report is showing a late payment on my Mortgage with Mr. Cooper for the month of XX/XX/2019. My bank account shows that my check to Mr. Cooper was cashed on XX/XX/2019. This mortgage was sold to Mr. Cooper during the month of XX/XX/2019 and on XX/XX/XXXX, a representative from Mr. Cooper informed me that my payment was never received during the month of XX/XX/2019. I believe my payment was lost during the transfer of mortgage companies during that time so I double paid my mortgage at that time. Nobody ever informed me that my payment wasn't received during XXXX otherwise I would have corrected it immediately. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

When I contacted LVNV Funding requesting the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, LVNV Funding refused to validate the debt.