davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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. (WA)

To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the accounts XXXX XXXX XXXX  I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (AL)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2020-05-19
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: CITIBANK, N.A. (IL)

I check into my credit report. It show a closed account with a large debt. First of all is not my account & never apply for creditors. Its damaging my credit. What should do.... I contacted the company but no help because I am not primary authorized person & Thank you.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX XXXX {$21000.00}
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I opened an auto loan in XX/XX/XXXX with XXXX XXXX XXXX. I have always paid it on time, yet XXXX XXXX XXXX reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to XXXX XXXX XXXX on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, XXXX  XXXX XXXX has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by XXXX  XXXX XXXX.
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX XXXX {$21000.00}
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I opened an auto loan in XX/XX/XXXX with XXXX  XXXX XXXX. I have always paid it on time, yet XXXX  XXXX XXXX reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to XXXX XXXX XXXX on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, XXXX  XXXX XXXX has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by XXXX XXXX XXXX.
Consumer complaint received 2020-07-12
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. (TX)

Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 83  Months Monthly Payment {$480.00} Responsibility Individual XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$450.00} High Balance {$450.00} Remarks Placed for DEPTEDXXXX Account Type Student Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$1700.00} Payment Status Current Worst Payment Status 90-119 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX   Times 30/60/90 Days Late 0/0/ ALL ACCOUNTS FROM STUDENT LOANS ARE FTC AND ACCOUNTS
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I deposited a personal check from a family member on XX/XX/2020 and the finds are now on hold until XX/XX/2020 at the earliest in my Bank of America account. I reached out to Bank of America and they have not responded beyond the notification on the account. I believe it is unreasonable for Bank of America to hold my legal funds hostage for any amount of time, considering that the ACH process happens within 24 hours and funds clear in 48 hours.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I am a consumer affected by Corona virus pandemic. I've lost my job as a result. My lender is JP Morgan Chase. I contacted Chase to set up a deferral of mortgage payments for 90 days. Chase offered me the deferment. 

After around 60 days, I received a letter from Chase stating that my loan was sold to a third party provider, XXXX XXXX XXXX XXXX XXXX ( XXXX ), and that my mortgage payment will be due to XXXX starting XX/XX/2020. The letter states that, albeit my payment to XXXX is due on XX/XX/2020, XXXX will send me a letter with a new loan number and other " important '' information on XX/XX/2020. 

In addition, now I've received email from Chase stating that my statement balance to Chase due on XX/XX/2020 is in the amount of {$13000.00}.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello, There are 3 issues with my account with Kohls credit card. 

1. the credit card was never activated. 

2. the card was used by accident by my mother who thought she was paying her card and missed a payment. 

3. this payment that was missed affected my credit report. 

I have fully payed all debt and asked them to remove this from my report as the card was never actually activated by me. I have not heard a response from them.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

All the credit bureaus, XXXX Equifax andXXXX have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. XXXX recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.
Consumer complaint received 2020-05-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (OK)

This is my 3rd attempt to get this resolved. The collection is lying about the date of last activity. I have uploaded an old credit report to prove the date of last activity. They are lying about this. Plus this is what the FTC says about collections : Collection accounts stay on the credit report for seven years from the original delinquency date of the original debt, or the date of the first missed payment after which the account was no longer brought current. You may see both the collection account and the account with your original creditor on the credit report. 

I have attached a copy of my credit report from XXXX showing the correct date of last activity ... again. You have no documentation proving anything has been done with this debt other than it being sent to you ... that does not constitute a change. 

This debt will be 7 years old in XXXX, XXXX and what the collection agency is doing is against the Fair Debt Collection Practices Act. If this is not corrected or deleted i will be filing a complaint with the Federal Trade Commission against them.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

upon closing of CFPB # XXXX the party " Chase '' stated within its response -- that they believe the Deceased was not released from liability when in fact the deceased ( 2003 ) was a Co Joint Tenant and is legally released from liability. This has gone on for years and needs to end!! If I am forced to file another law suit many other Defendants will be added including XXXX XXXX law bunch -- especially attorney XXXX XXXX XXXX whom obviously is an XXXX looking to kill this person with stress being high risk for covid19. I am demanding this stop here with this foreclosure XXXX!! Chase has no standing, only I do!! The deceased co joint tenant can not legally be held liable please see attached.
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jormandy, LLC (VA)

I attended XXXX XXXX XXXX years ago. When attending I was young and unaware of the paperwork I was signing. I had no copies of my paperwork or student file! After further investigation this year of paperwork finally provided by the school, this month. The school is saying I never did an exit interview. I never received it! On the alleged exit interview paperwork it says I received a : 1. XXXX XXXX XXXX XXXX for XXXX 2. XXXX XXXX XXXX XXXX for XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX loan for XXXX Loan # 3 is what Im challenging. This loan was fronted by the school and paid for by the school. I was responsible for paying the school back once I dropped out of the program because they paid the loan for me. The school is now saying I owe them {$14000.00} through a 3rd party collector Jormandy. There is fraudulent activity going on. I was never told of XXXX when enrolling. I was told by XXXX that I was enrolling into a HELP loan program that was provided by the school. I NEVER signed nor did I ever agree to a loan with XXXX. XXXX was just found guilty of defrauding XXXX XXXX XXXX in 2018 for the same exact situation. I believe these charges are fraudulent and I want the school to be held accountable. They have harassed me for years for this money. I want all the money I paid to this fraudulent loan returned. I tried to uphold and clear a debt a I thought I owed. However, after looking into the situation deeper this isnt my debt! It wasnt made clear to me. They took advantage of my situation and they took money from me for profit..
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TX)

As a employed person who has always made my payments to Macy 's, and have had my credit card a long time, I was shocked and appalled by the latest action that happened as a result of Covid. 

At this time- I'm sure everyone has late payments and has a story. Mine was I was under a stay at home order, so my income did get behind. I reached out to the credit card companies, and while some offered time to pay bill- Macy 's decided to run a credit limit report and cut my credit card limit, based on current report. Once they cut the limit -- which I had about 2000 open on the card to use, then it shrinks my debt ratio on my credit score. Not very fair to people that are going through some troubling times. They should have made a call or sent a lettter prior. NOT sent me a letter of cutting my credit limit. 

I've gone back to work this week, I finally found a way to get in online and delay a couple of payments till I'm caught up. Thank you Macy 's, but your unfair credit score reviewing in a time where this is a serious problem for many, made me realize exactly how little you care about your customers. I've never maxed out the card, and I certainly would not do it now. I did not need a credit decrease based on current payment situation. While other companies over to wave late fees, Macy 's does not. They also do not give you an immediate answer regarding Covid help. Every other company I have a card to- has at least had someone answer a phone, and /or if it was an online process they gave you an answer right away if you would qualify for Covid relief as they call it.

Very unfair practice to go after credit limits that affect the overall persons scores, when they are already suffering from Covid loss, and trying to keep up, but could not- due to the home quarantine.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (CA)

I got temporarily laid off from my job back in XXXX due to the COVID-19 pandemic. I tried to file for unemployment however due to my out of  state income I have to call to finish my claim. I have attempted to call for months however am unable to get through. In XXXX my car loan company ( Global Lending Services ) gave me a payment deferral for the month of XXXX. Towards the end of XXXX they told me I would need to call in the beginning of May to get another deferral if my situation was the same. My situation is still the same and I called and they said they would not give me another deferral. I begged them and explained my situation however they would not work with me and said that I had to pay. I paid them XXXX dollars which was the very last bit of money I had to survive off of. They still are telling me I need to pay the rest by the end of the month.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

On numerous occasions, I attempted to have my fraud alert be removed via telephone due to the refinancing of my home. Here are the various dates and names of individual spoken Toto assist with fraud removal. XX/XX/2020, supervisor XXXX states flag confirm # XXXX and fraud alert # XXXX both removed within 72 hours. On XX/XX/2020 called on same issue spoke with supervisor XXXX, whom stated my account locked could not assist. Thereafter stated there was a cliche in the system and as a result of the depart of consumer affairs fixed, the fraud alert and flag has been removed, so advise my lending institution to check my credit again for the third time in the month of XXXX. In addition, XXXX emailed it Supv to fix online account so I can personally take care of all flags and alerts myself for future. XXXX states, IT Supv will send email 7-10 business days from resolution. XX/XX/2020 spoke with supervisor XXXX whom advised fraud alert removed but flag still on account. XXXX again removed flag and gave me confirm # XXXX and advised it would take 72 hours to be removed. Personally asked to be transferred to Dept of consumer affairs and spoke with ms XXXX who alleged all alerts and flags removed and initiated a complaint for me. Complaint # XXXX given to me. Called Equifax to check status of on line account resolution due to 15 days gone with no email from IT Supv resolution, spoke with XXXX whom escalated the resolution of On line account still being locked out with no email resolution from IT Supv. Within 1 day, problem was finally resolved and able to  access my online account. XXXX also filed a complaint for me and complaint number XXXX. I look forward to discussing this frustrating situation with someone so no other consumer will suffer like I did. Please call me at XXXX XXXX. Thank you for your support
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2020, I made a {$66.00} purchase through PayPal. However, I sent the merchant an email to cancel the order on XX/XX/2020, and XX/XX/2020. However, the merchant refused to cancel the order but shipped the item anyway, which was not delivered. Therefore, on XX/XX/2020, I submitted a dispute through Paypal, which Paypal denied. They did not give me the opportunity to appeal my denial with additional documentation. Therefore, Paypal supported a fraudulent transaction with the merchant, which included a false tracking number that was not from USPS. 

In addition, I contacted my leasing office and spoke with XXXX and XXXX. They both confirmed that no package was delivered. Then after further research on the merchant, there were other complaints about the same issues regarding fraud.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I paid for a vacation thru XXXXXXXX in XXXX. I made two payments of {$830.00} then XX/XX/XXXX i canceled due to covid 19 n me being pregnant. I was supposed to get the money back in my TD checking account by XX/XX/XXXX which i didnt. Plus two American airline flight credits for {$450.00} each. I contacted american airlines and the said my credits werent valid. I went on XXXX to see it says for refund contact your bank for your options which i did and disputed the charges, faxed them proof of purchase for vacation, proof of my cancellation, proof i was supposed to receive my refund by the XXXX, emails from XXXX XXXX that says these credits arent valid. TD Bank denied my dispute three times for a total of {$1600.00} and keep telling me to resolve this directly with XXXX. Its not possible the website is shutdown the phones are off the emails get sent back to me.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc. (VA)

1 - On XX/XX/2020, my wife and I applied for a cash-out refinance with SoFi. The same day, an initial loan disclosure was provided. 

2- On or about XX/XX/XXXX, my wife and I elected to change from a cash-out refinance to a regular refinance. An updated loan disclosure was provided on this date. Closing was scheduled for XX/XX/2020. 

3- SoFi was unable to meet the XX/XX/XXXX closing as the loan was still in underwriting, and on XX/XX/XXXX, the final closing disclosure was sent to us for review. On this disclosure only 5 items were listed in section B of closing costs. The closing date was scheduled for XX/XX/XXXX. 

4- On XX/XX/2020 ( one day prior to scheduled closing ), SoFi sent a new final closing disclosure, but added 2 additional fees ( now added as fee line item 6 and 7 ) that were not on the last loan disclosure from XX/XX/XXXX. Upon review, these closing fees were not as a result due to a change in circumstance, and the company representative responded that the fees were added into the closing disclosure because they inadvertently omitted them from the last disclosure document. As a result, closing costs increased overall by approximately 15 %, and was provided only the day prior to closing, shortly before close of business. I have requested the SoFi rectify this prior to closing, but as of this writing, no action has been made.
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (FL)

My grandfather helped me buy a New 2020 XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2020. The list price online for the vehicle was {$22000.00} for the XXXX XXXX which is the lowest priced trim level, XXXX XXXX charged me {$34000.00} improperly inflating the MSRP, charging me for the XXXX XXXX XXXX XXXX ( {$35000.00} ) when I purchased the XXXX XXXX XXXX ( {$23000.00} ). I believe this is grounds for Auto Dealership fraud by Inflating the total purchase price above the invoice or sticker price, such as by concealing options I did not request, or by including other unapproved and undisclosed fees as well as bait and switching on the company 's website. I am requesting my loan to be adjusted and/or refunded.