davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
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: LEXISNEXIS (AZ)

This letter is a statement of dissatisfaction concerning customer service at LexisNexis and the other 3 credit bureaus. After recently finding out I was a victim of identity theft I tried calling only to get a voicemail and no return call. I needed to submit all of the documents proving this was not me in order to remove the fraudulent information from my record. This all happened because someone maxed out credit cards that I rarely used, and then filed bankruptcy so I wouldnt get calls from the creditors. At this point I dont know what to do since this has massively affected my life.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XX/XX/2017, i sent a certified letter to capital one regarding fraud on my accounts. i received no response within 30 days. recently i have been sent statements regarding my accounts showing all disputed charges. They show that i owe these charges. My accounts were closed as well. I had two accounts. One now shows a balance of {$5500.00} and another {$8200.00}. these accounts should be at XXXX balance.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A Legal order has been tajen out on my account for {$9500.00} And they have beeen taking all my benefits towards this i havnt paid my bills since XX/XX/XXXX now its all paid of and they are still taking all my money even though the legal order is now fully paid of
Consumer complaint received 2018-05-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MidAmerica Mortgage Inc (FL)

XXXX at XXXX XXXX XXXX and her team failed to review our appraisal and the fact that a repair was needed per the appraiser. Two weeks before closing, her team is telling us that the underwriters are requiring a repair with photos of an issue that was disclosed in the appraisal that was distmissed by XXXX XXXX XXXX. This result is costing us {$800.00} in financial burden and possibly a rent extension on our current apartment of up to {$2000.00} if these repairs delay closing. We are less than 2 weeks away form closing and XXXX And her team refuses to pay for the repair even though XXXXne of her Assistants, XXXX stated that this was their fault. XXXX is saying that it was a mistake but that mistake is costing us. I am looking for a lender credit of {$800.00} to cover the costs of fascia repair.
Consumer complaint received 2018-05-25
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: JPMORGAN CHASE & CO. (CA)

In follow up to complaint number XXXX I am asking that this complaint be continued with Chase Card Member services. I was told only one call was reviewed for a case that spanned many months and many calls. This one call has only a partial story telling capacity that does not tell the full story of what needs to be told to understand the story.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I settled debt with 2 credit cards capital one, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.
Consumer complaint received 2018-03-11
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. (FL)

In writing and via phone I have contacted all the bureaus to remove incorrect information from my credit report. I sent in certified mail to track this information and process. Nothing has happened or taken place on my accounts.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$260.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$500.00} Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$260.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX sent me a discharge of lien on XX/XX/year>. The paper work clearly says the security interest on the vehicle has been terminated making the vehicle mine. Then they went and garnished my wages in XXXX of 2024. 
I can not get the garnishment stopped with out hiring a lawyer and I cant afford to do that at this time. 
Over 4 years ago they were told to come get the vehicle in question, but they never did. The vehicle has not even been registered in over 4 years because it will not pass NY State inspection. Purchase price was only {$6000.00} but went way up over {$13000.00} I have sent copies of the discharge of lien to several people hoping for help and nobody seems to care. 
It is Junk and not worth anything. The value is under {$2000.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I was reviewing my credit profile and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-06-25
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. (FL)

I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.
Consumer complaint received 2018-03-11
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. (NJ)

There's an inquiry made from XXXX 's on my credit profile which was the result of identity theft. Transunion was informed on XX/XX/2018 by XXXX  that my identity was compromised and this was inquiry was not made by me.
Consumer complaint received 2018-05-25
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: AMERICAN EXPRESS COMPANY (NY)

ive ' had my american express card for over 15 years. my credit limit on this one card is over XXXX XXXX an amount im ' far from reaching. about a week ago, i faxed american express regarding some seven diff airline tickets at like seven diff airports withing two day window. not one signature from me verifying the charges and thats ' fine like who needs verification for that. i guess privacy concers are all talk. lem me explain myself. not once have i crossed the treshhold of my  credit limit, not once did i even come close. today i tried to use my card for a recurring cell phone bill of XXXX dollars..two or three days ago i sent XXXX XXXX on my acct balance. not once did anyone from amex call me to say hey youre late on your acct but for gods sake to have them shut down my card until i pay XXXX dollars oh then the guy goes theres a XXXX dollar late fee due and next breathe goes we didnt get payment since XXXX ... are we in XXXX yet? why does consumer finance even exist. and can you imagine how many have access to my hey i have a question since my credit limit over XXXX XXXX, if i had a sero balance and bought a XXXX XXXX dollar diamond would amex cut me off at XXXX XXXX and go, dont gove that dismond just yet, we acknowledge their credit limit not XXXX XXXX but over XXXX XXXX but until they pay XXXX dollar reaching XXXX XXXX thresh hold dont give that diamond just yet what kind ofcommerce based is this?
Consumer complaint received 2018-06-25
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. (PA)

On XX/XX/2018 Transunion and XXXX has my credit score dropping over 38 points for transunion and 48 points from XXXX There is no reason for these scores to drop that much within a short period of time Both companies can't give me a reason as to why. My on time payments is excellent my credit card usage is within the guidelines. I have had credit checks done because I bought and new car and I am in the process of buying a new home. I went on the transunion web site and they wanted me to sign up for a XXXX dollar a month monitoring plan. Now this company drops my credit score by 38 points for no apparent reason and then they want me to sign up for their credit monitoring plan please look in to this there is no reason why my credit scores drop that much. My credit score has always been in the mid 800 's now they dropped me from excellent to good and they can ; t explain it. These people have the sole power to impact your buying power XXXX Good TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Excellent XXXX Updated XX/XX/2018 Calculated using XXXX XXXX
Consumer complaint received 2018-03-12
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: AMERICAN EXPRESS COMPANY (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the XXXX XXXX XXXX ( FTC ) and filed fraud/identity theft reports with them along with contacted my local XXXX field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I started being charged by BoA a monthly maintenance fee without warning. I suspect it's because they changed my account type ( from online to core checking ) without first telling me.

I logged into my account online to try and contact them, to figure out how to contact someone via email since I am abroad. There is a chat section in their " contact us '', but it is a dummy. I.e. supposedly some option have chat available, some do that but in reality none of them have a chat option. It's fake. 

I want to know why I'm charged these fees and have them reversed. I don't know why no one is contactable in a straightforward manner. It's actually frightening to see some of the options that do not have any support provided.
Consumer complaint received 2018-05-25
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: Experian Information Solutions Inc. (SC)

XXXX XXXX WAS NOT REMOVED FROM EXPERIAN ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/XXXX, I received an e-mail from Capital One advising me that they have decreased my credit limit from {$15000.00} to {$10000.00} on my card ending in XXXX. This could not come at a worse time, as I am attempting to secure a mortgage and the decrease may negatively impact my FICO across the three CRA 's, which could cause me to receive a higher interest rate on my mortgage and cost me thousands of dollars over the life of the loan. 

I called customer service today ( XX/XX/XXXX, at approximately XXXX XXXX EST ), who told me they couldn't do anything. A supervisor advised I can log online and submit an increase request, which I ended up doing, but it doesn't allow me to specify what amount ( and I'm sure it will be denied since my line was just decreased ). 

I've been a Capital One customer since XX/XX/XXXX. I consider my Capital One credit cards my two primary revolving lines, and my Capital One bank account is my primary Checking account. My card ending in XXXX was my first CC. I revolve no credit, I am not a risk, and I've never once missed a payment ( on any form of credit ). Please do the right thing and reinstate my {$15000.00} credit limit.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

My husband and I applied for a second home mortgage with Quicken on XX/XX/18 for {$250000.00} with 15 % down, I was pre-approved instantly. We were assigned mortgage banker XXXX. A few days later I called Quicken so that I can speak with XXXX, XXXX XXXX answered the phone and told me that she can assist me because she is a senior mortgage banker. XXXX suggested that I should go ahead and get completely approve. I ask what is need and if my credit will be pulled again and she said no. I provide all the requested documents within 24 hours, the next day I spoke with her and she told me that we were approve she just needed a employee verification letter for my husband because they could figure how many hours he is guarantee. We provided that letter and she told me that we are completely approved but the numbers went down a little because of my husband child support obligation. I said ok. For weeks she called and encourage me to go to Georgia to look at properties. I spent {$1000.00} going to Georgia looking at properties. XXXX XXXX our first agent was told to push and help us because our loan has been completely underwritten and approved. We had to switch realtors and was assign to XXXX XXXX. XXXX conference called me and XXXX and she advise XXXX that I was completely approved and to put extra effort to help us find a property. We found a property and went into contract. XXXX request updated paystubs and bank statement, we provided them. We were then transfer to XXXX XXXX, who requested more documents we provide all. Now they are requesting child support court order. My husband have no time off of work he is on probation and if he miss any time or is late he will be terminated. I went to the courthouse with a notarized letter, and my husband ID I did not get the document. We offer Quicken a break down of payment for the past 17 years they refuse. Now our loan is denied and provide a denial letter stating application incomplete : incomplete application documents. Which is not accurate.
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (AL)

The company I bank with, Wells Fargo, won't stop posting and clearing debit transactions that I have already paid for. For example, if a valid purchase is paid out of my checking account, Wells Fargo re-runs the transaction 1-1/2 to 2 weeks later and sends my account into massive overdraft.
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DIRECMANAGEMENT, INC. (AL)

On XX/XX/XXXX a lady named XXXX XXXX employed by Direct Management called my cell phone for collection of a debt that I have repeatedly reported as not owed. I had no balance due on my dental account when I changed dental facilities. On XX/XX/XXXX, she proceeded to recite my confidential dental records and threatened to forward them to my coworkers. She also threatened legal action. She is very harassing and intent that this is a valid debt. I have repeatedly asked for her not to contact me again as she is rude, pushy, and down right insulting in the manner of which she speaks with people. The debt she is attempting to collect is less than {$500.00}, our house hold income is nearly {$200000.00} per year so the ability to pay is not in question. It is a debt I do not owe. I have reported her HIPPA violations separately as she should not have access to my confidential medical records nor should she threaten to expose them to my coworkers.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (VA)

PNC bank failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months. 
I again called and spent 2 hours trying to resolve my issue. 
After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that PNC IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that XXXX XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with PNC Bank I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called PNC - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main PNC bank number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX