davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Byrider Franchising, LLC (PA)

I had applied for an auto loan online on XX/XX/21. Upon furnishing all requested information, including photo identification, proof of residency and proof of income, I was advised I would be contacted " shortly '' by XXXX to discuss the financing. Upon not hearing from " XXXX '', I messaged XXXX ( Sales Rep. ) and received a voicemail message indicating my application was denied. That same day, I messaged XXXX to confirm I would receive an adverse action notice and was assured I would receive one. 

On XX/XX/21 I contacted XXXX XXXX, the person who sent me the the link to electronically sign the credit application ( XX/XX/21 ). I received a response from XXXX on XX/XX/21 indicating the notice had been printed and mailed. In addition, the message from XXXX asked me to confirm my address as the notice would be reprinted and mailed. It was the same as in the credit application. I had replied I would accept an electronic copy of the adverse action notice in lieu of the paper copy. I received no response to this message, nor did I receive the adverse action notice. 

On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice. There was no reply to this message. 

On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice and would be submitted a formal complaint.
Consumer complaint received 2022-10-18
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: Upgrade, Inc. (CA)

I recently filed a CFPB complaint against Upgrade because of my account reflecting charges I did not authorize, the agent who responded said the transactions were being placed under investigation yet my account is still showing a balance and says I am past due?! 

How can I be past due for something I never purchased? 

I was promised this issue would've been resolved, I had reached out to the Claims Team the representative provided on the previous complaint however NO ONE answers! 

I've reached out 6 times already and left voicemails with no one contacting me back or helping to resolve this issue.
Consumer complaint received 2019-05-07
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: SYNCHRONY FINANCIAL (NC)

I received an alert from XXXX XXXX saying that a hard inquiry was done by XXXX on XX/XX/2019. After doing research it is : Synchrony Bank via XXXX. I did not initiate or authorize any new accounts or applications with either institution. I called the number on my XXXX credit report : XXXX ( XXXX ) and the agent looked up my phone number and email address and said that she isn't seeing anything. She emailed ( via XXXX app ) me information on how to dispute the hard inquiry. If there is no record of anyone trying to open a new account, then that means XXXX ran my credit without my permission. I am in the process of disputing it with both XXXX and XXXX.
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

To whom it may concern : I have been trying to save my home and to get approved for loan modification since XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. 

I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification.

After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and now state that they will not even look at a modification application. 

I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have a bankruptcy reporting to my experian credit report. The bankruptcy is not showing on XXXX or XXXX. My name is also spelled wrong with the bankruptcy reporting to my credit report I have also reached out to the courts filed disputes and reached out to XXXX XXXX  they also are stating I do not have any public records.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My bank has been stringing me along for almost 5 months on a refinance. They have cost me quite a bit of money on appraisal fees and lein lift fees and have waited for all documents to expire to then ask me to purchase them again. They request information and documents after they have already become past due. They have caused stress and anxiety in my life along with lack of sleep for 5 months now.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (GA)

Exeter Finance is reporting an unauthorized credit inquiry on my XXXX Credit file dated XX/XX/XXXX. I reached out to the company via email to dispute and received an email from them stating the following : Customer Service XX/XX/XXXX, XXXX XXXX  ( 1 hour ago ) to me Thank you for contacting Exeter Finance LLC. 

The contents of your message and/or documents ( s ) have been received. To safeguard your personal information, we will not be able to reply to your questions or concerns, using this email address. 

For further assistance please visit us at : https : XXXX XXXX is a secure online portal that gives you 24/7 access to your Exeter account. Using a computer, tablet or mobile device, you can login anytime and make payments, set up email, securely email Customer Service, and more. 

Dont have a login? Register today. 
Through My Message Center, you will be able to send us a secure message with your questions and we will respond within 48 business hours. This feature offers the most secure channel for communication between you and Exeter Finance Corp . 

Or you can reach us by telephone at XXXX XXXX XXXX XXXX. Representatives are available Monday Thursday from 7 a.m. to 8 p.m., Friday from 7 a.m. to 7 p.m. and Saturday from 8 a.m. to 1 p.m. Central Time. 

We look forward to hearing from you! 

Sincerely, Customer Service Exeter Finance LLC. 
I don't have an account with these people and didn't authorize them to run my credit
Consumer complaint received 2024-10-22
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. (NC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$9600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$510.00} XXXX - XXXX - XX/XX/XXXX - {$4800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-10-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management (OH)

I took out a payday loan from XXXX XXXX, in Ohio, in XXXX. I then enrolled in Consumer Credit Counseling to consolidate and reduce my debt, including payday loans. 

Then a couple of months ago, XXXX XXXX, XXXX in XXXX, GA, contacted a family member of mine, telling my family that I owed XXXX XXXX for this past debt from XXXX. XXXX XXXX   pressured my family member to provide some information regarding this loan, including threatening a lawsuit or criminal charges brought against me. XXXX XXXX told my family member that the statute of limitations on payday loans in Ohio was up to 12 years. I was never contacted in any format, including by phone or through writing in the mail, about XXXX XXXX ' claim of this loan. 

I check my credit score every couple of months, and on XX/XX/XXXX, I saw that XXXX XXXX listed this issue as a derogatory mark on 1 of my 3 credit reports. In this derogatory mark, XXXX XXXX   lists the opening date of the loan as XX/XX/XXXX, which is false information. 

I have filed a direct dispute with the Credit Reporting Agency that lists this derogatory claim on my credit report, and I am currently waiting on the results of this inquiry. 

The name and contact information of this company that is making this false claim is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-03-28
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. (GA)

On XX/XX/19 I sent a certified letter requestisng to validate some accounts and inquires on my credit report to Experian. The letter was recv per USPS on XX/XX/19 and I never recv a response. 

On XX/XX/19 I sent another letter regarding Failure to Respond and it is my understanding they have 15 days to respond and the letter was recv on XX/XX/19 and the only letter that I have recv is the " Important Information '' about how they process a dispute as required by law. 

Per the Fair Debt Collection Act, 1 : USC 1692g Sec809 ( b ) I have the right to validate my debt and under the act if it is claimed I owe money. Under Fair Debt Collection Practice act that the title act adv that Unverifible accounts must be removed and if the CBR cant provide proof of the debt.

I gave the credit bureau enough time and they have failed me. This is hurting my credit and stopping me from home ownership.

Can CFPB take ownership and have my issue resloved?

Thanks on XXXX XXXX
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Monday XX/XX/2022. I received two alerts from Bank of America about an attempted login to my mobile banking. The first alert I did not respond to due to, being at work. The second alert is where I responded that it was not me who authorized this login. Therefore they sent me a phone number to contact to reset my ID and Passcode for my mobile banking. After I did this everything was fine. Then a few days later on Friday, I tried to log into my mobile banking but was not able to and was directed to call BofA. Which I did and was then transferred to the fraud department which is where I was placed on hold for over an hour! Only to not be helped by anyone due to them hanging up on me because it was closing time. So I call the next day Saturday XX/XX/XXXX and again I was on hold for XXXX and XXXX. Finally when I got someone on the phone the lady that was assisting me, was not only no help at all with my situation! She went even further to go and start insinuating that I was lying as to who I was as well as to blame me for getting my mobile banking compromised. After she blamed me for something I had no control of she then stated that all my accounts are now closed due to this fraudulent activity which I find is not far due to my long great standing history with this bank, and the fact that I wasnt given any help or choices to prove my identity/validation that these are my accounts. Nor did the lady on the phone make me feel as though I was being protected. All she did for me was recommended me to open a new account with another bank. But yet no information as to whats going to happen with my current money in my checking accounts and had no sympathy when I had informed her as to what am I supposed to do with no money for 2 weeks. It is completely ridiculous how this bank handles fraudulent activity.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MO)

We have tried calling US bank, meeting with a bank employee, paying a separate company to help us get some of the overdraft fees back, and nothing has worked. We have switched from overdraft protection to not wanting the protection, but do not understand why we keep getting charged. They dont explain anything in a way we can understand. We are a family of XXXX and have been hit with over {$3000.00} in fees within the past year or so and it has really put us in a bind. Its like we will never be able to recover from this.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I was involved in the great Equifax incompetence credit fiasco of a few years ago. I attempted at that time to acquire my credit report, but was unable to due to computer problems and the difficulty ( intended ) of using their system. At that time I placed a credit freeze on my account in vain hopes of preventing any more damage to my file than Equifax already had done, through their GREED DRIVEN incompetence. I never did receive a verification that this ever took place. I have worked hard and paid smart all of my life in order to have and protect a good credit score. 

Over the last several years I have noticed a decrease in my score. Although my bill paying habits have remained the same. 

I was recently denied a credit line increase thru one of the credit cards that I own. 

I attempted both over the phone and online to request a free report ( AS PRESCRIBED BY LAW ) All that XXXX XXXX Equifax wants to do is charge me money for something that's supposed to be free. I will not under ANY circumstances give those XXXX one XXXX iota of my money. 

No method I have attempted for resolving this has worked. Meanwhile my score continues to decline without me having any mechanism to determine if it is due to fraudulent activity. ( Remember, these same XXXX XXXX XXXX away my information ) And heaven help me if there is fraudulent information and I have to go through these sorry sacks of XXXX to correct it. 

How can I end this continuing nightmare, that as you can easily see, gets my XXXX XXXX thru the roof? 

XXXX XXXX
Consumer complaint received 2019-05-06
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. (NJ)

Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-05-13
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. (OH)

On XX/XX/2022, I paid my XXXX car payments that were late. On XX/XX/2022 there was a notification on my TransUnion Credit Report that my balance decreased by {$640.00}. Then on XX/XX/XXXX I recieved a notification that my credit score decreased and that my car loan increased {$640.00}. That is not true or correct at all, I disputed it with TransUnion at first and they said the information reported was correct- it is not. I have bank statements and my loan balance to prove so. I then called my credit union ( XXXX XXXXXXXX XXXX XXXX XXXX Ohio ) who I loan through, they said they had no control over it and they report the info on the first of every month. If that was reported correctly it would show my balance was decreased and paid, I paid the balance on XX/XX/2022. Now my credit score continues to fall behind due to their negligence. I filed another dispute and still nothing.
Consumer complaint received 2019-05-07
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. (GA)

My credit card had got stolen, when they was disputing the issue it took over 120 days. They told me no payment was due because, they didnt have a new account number for me. In the mix of everything, they told me no payment wasd due. Then they reported me late. When I tried to get it fix. they told me to write a letter of dispute or dispute it with the credit agency then they would remove it. I have written letter after letter and still to date its reporting as a past due payment on my credit report.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/22 I used my Capital One credit card to buy a plane ticket for my husband on XXXX The ticket cost {$1200.00}. It was a ticket to fly from XXXX, XXXX to XXXX XXXX XXXX XXXX, XXXX. After buying the ticket, I contacted XXXX XXXX ( the airline flying the second half of the itinerary from XXXX to XXXX to XXXX ) about a separate matter. During that phone call I was informed by the airline the XXXX was not allowing transit through the country. At that point, I contacted XXXX to see how they could help us change the ticket or give us a refund since the ticket they sold us was not usable. They refused to help in any way, only offering us a {$10.00} refund on our $ XXXX ticket. As this seemed unacceptable and just wrong, I then went on to contact Capital One and dispute the charge. I worked with them for over a month on the dispute. I called several times, sent them all the documents they asked for and more, took all of their advice and did everything possible to work with them so they could help me. At first they credited my account and made me feel very comforted that they were on my side and would help me, they agreed that what XXXX did seemed wrong. However, after XXXX responded to the dispute and refused to refund the money, Capital One took back the credit, closed my case because I hadn't canceled the ticket ( which I had been told not to do by them ). I asked to continue the dispute and canceled the ticket at that time based on their advice. After that, Capital One once again closed my case and said they couldn't help because XXXX followed their policies and therefore, they could not do anything to help me anymore. I called to try to keep fighting it but was continually told that they couldn't/would n't do anything else. So even though XXXX sold me an unusable ticket and refused to make things right, because they " followed their policies '', Capital One also would not help. I have reached out to both companies multiple times and have gotten nowhere. Capital One is supposed to protect me from fraud and fight on my behalf, however, because I followed their advice, I can't even go back to XXXX and ask them for more help because I already canceled the ticket. I appreciate your help with this complaint. Thank you.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I charges on my Chase INK Credit card number XXXX a trip through XXXX XXXX  for {$1900.00} ( I will attach the XX/XX/XXXX billing on the subject card showing the charge ). The trip was to commence on XX/XX/XXXX. 

In XX/XX/XXXX I received an email from the XXXX XXXX XXXX which advised that XXXX was being suspended for having insufficient working capital, or being insolvent. Since the air flight and hotels was to be paid from the {$1900.00}, they obviously embezzled those funds for other purposes. See the attachment : XX/XX/XXXX letter. 

Since the above account was closed I was unable to dispute the charge on-line, so I called customer service and got the run around, including Supervisor XXXX in Chase 's Fraud Department. She refused to give her full name, and refused to move the matter to someone who to access the account. She was completely unhelpful. I sent to Chase through the XXXX XXXX XXXX the 2 issues ( see Chase Internal message XXXX XXXX -- attached ). That message also was an attempt to confirm your receipt of my attachments to this letter. 

The message XXXX XXXX from your Fraud Department ( why this was sent to them is unknown to me when it is a disputed charge ) wherein they too indicated that they were unable to find the account. Today I spend another hour wasting time calling the number provided in the message to no avail. The Credit Bureau specialist was my last contact. He found the account, but could only get to XX/XX/XXXX statement. He gave me an address to transmit a written complaint and dispute ( letter attached ). 

The INK Chase Credit Card advised that purchases were insured, and that I was protected against fraudulent conduct by merchants. 

Chase 's responses has always been that they can not locate the account, therefore they can do nothing. 

A friend and travel companion, XXXX XXXX used his same Chase Ink Card,  and they refunded his charge.