davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

In XXXX my XXXX XXXX XXXX XXXX credit limit was reduced from {$5500.00} to {$2800.00}, after being with the company for so many years because they said I was not using my card enough. I had in XXXX a credit balance available of {$3200.00} to spend. In XXXX my statement came with a credit balance of {$540.00} available for use. This is unfair because it affects my credit score negatively, because now all of a sudden I have a very high balance with XXXX XXXX as well as affecting my purchasing power. now I am unable to make major purchases after years of reliance on XXXX XXXXXXXXXXXX XXXX promise. When I signed up for this card I was not told that this was their policy, and if it is, it should be forbidden because it negatively affects consumers who try to maintain a decent credit score in these very tough economic times. I have spent over the years more than {$10000.00} with XXXX XXXX XXXX XXXX, I never expected this!
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

On XXXX at XXXX ; XXXX XXXX PST case number XXXX XXXX XXXX XXXX, XXXX, XXXX for XXXX XXXX  XXXX XXXX, XXXX Mortgage Pass Through Certificates. U > S > Bankruptcy Court District of Oregon sited ( No Proof of Claim Filed. 

On XXXX XXXX XXXX the property listed at XXXX XXXX. XXXX XXXX, XXXX, Or XXXX was sold by XXXX County Sheriff 's.
Consumer complaint received 2023-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have a company that has fraudulently claimed i owe them {$680.00} appear on my credit report. 

I have disputed this with the credit agencies and all of them ( except equifax ) removed the claim due to the fact that no documentation was provided by the creditor claiming the debt was owed. 

Equifax on the other hand will not request proof of the debt owed ( i.e. signed contract ) and is telling me the onus is on me to provide documentation that the debt is fake. 

I can not provide documentation proving the debt is fraudulent because its impossible to prove a fake claim is fraudulent. 

The XXXX  is on the credit agency to request proof the claim is genuine. 

To further compound this issue equifax is saying that any request must be sent in by writing, via snail mail, and provided with a photocopy of my social security card, my W2, and drivers license. 

Of all the companies in the world - id assume a credit agency to follow best information security practices- but it appears they are simply making this dispute process as difficult for the consumer as possible. 

Let alone the fact that sending in a photo copy of my SSN card, Drivers license, and W2 - is a magnificent security risk. Should my letter be lost or intercepted, whoever opens it can easily steal my identity. 

Equifax in general are making the dispute process extremely difficult. When i asked what evidence they had for the debt, they told me that my name was in the collectors system - and that is all the evidence they need. 

When i dispute it and they say they are going to specficially ask the debt claimant to provide documentation supporting their claim, they do not follow through. 

I have disputed 4 times now and each time they do the exact same thing. 

Im at my wits end as equifax will not help me, and is making this process as difficult for the consumer as possible.
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-11
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: TOYOTA MOTOR CREDIT CORPORATION (OH)

On our around XX/XX/2023 I was in discussions with multiple Toyota dealerships working on building and reserving a vehicle. After delivering all of the specs to the sales person, they asked for a credit card for the non-refundable downpayment of {$1000.00} and my social security number. I understood the deposit, it ensures that the person ordering the vehicle is serious about the transaction, even if it takes months, but I did not understand the requirement of my social security number. When I inquired, the sales agent informed my it was to run a credit check. I pushed back and told them that, first, this was not clear in the process and that they did not inform me of this requirement when requesting my social security number but more importantly, there was no credit transaction and, from what I can tell in FCRA, no permissible purpose for Toyota dealerships, through Toyota Financial Services ( TFS ), to obtain a consumer credit report due to reserving a vehicle.

Even if the Bureau where to conclude that this practice falls under permissible purpose as outlined in FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) as a " business transaction '', I challenge the Bureau to review this as a potential unfair business practice. As the Bureau understands, when a hard inquiry is made to a consumer report, it negatively affects the score. What this practice does, which is unavoidable when a consumer is trying to find the vehicle that is the correct fit for them especially given the supply issues, is allow the finance company ( in this case TFS ) to make multiple hard inquiries on the same consumer. The first inquiry coming from the unnecessary first inquiry when reserving a vehicle and then the second will come after ( could be over 6 months ) for the ultimate financing of the vehicle. By having the second hard inquiry on the credit, there is significant chance that the consumer credit score will drop by double digit points allowing the finance company to charge a higher rate than the consumer may have paid if there was only one hard inquiry. This practice ultimately has a more negative affect to the consumer who is not in a position to be able to afford a higher rate. 
I understand that credit reporting agencies typically treat multiple hard inquiries from the same company as one but the practice is generally a 14-45 day period to allow a consumer to shop around. The wait for a vehicle extends beyond that grace period and harms the consumer ultimately trying to reserve a vehicle. 
This practice is harmful to consumers, not easily avoidable, and it is not clearly disclosed. Additionally, the consumer is already putting down a significant amount of money upfront which should alleviate the company 's concerns of a consumer walking away. Adding the requirement of pulling a consumer credit report is unnecessary and harmful.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA did not close a homeowner 's claim from 2016 on my XXXX XXXX report. This resulted in overpayment of insurance premiums for several years and denial of coverage multiple times. 

I talked to at least 10 people at USAA in the insurance department and no one was familiar with the XXXX  report and no one provided any solutions.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NC)

I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached 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 2023-05-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NV)

My mom had a safety deposit box with Wells Fargo. Some how she put my name on it as well just in case of an emergency. My mom XXXX XXXX passed away over two years ago. I have been fighting back and forth with Wells Fargo for over two years to get this safety deposit box closed out. We could never locate the key after going through my mothers belongings. 

I wrote several letters to the branch manager during covid. I live XXXX miles away from the XXXX XXXX, Branch. He said to come down anytime I could make it to XXXX and he would close it out. I went drove all the way down there. The new manager said I needed an appointment. I drove all the way down there again and the XXXX XXXXXXXX never showed up. I signed a paper saying they could drill the box, and certified that there was nothing of value in the box. They never closed out the box. They are still sending me bills and certified letters that they are going to turn me over to collection. Now they are going to ruin my credit over this. Please help me. Wells Fargo bank XXXX XXXX XXXX XXXX. XXXX, Nevada XXXX XXXX XXXX. Phone number XXXX Sincerely XXXX XXXX. Please call me if you have questions. XXXX
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Started a dispute with Capital One in XX/XX/XXXX to XX/XX/XXXX and I Told them I was having financial hardship at the time ... I contacted capital One already with the goodwill letter and they werent willing to change the status of late payments. I received a letter advising me that they were looking into it and I even contacted the CEO of the company and his assistant advised me that it would take 24 to 48 hours to hear something back still no response.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I opened a promotional XXXX XXXX Savings account with Capital One and authorized {$10000.00} to be withdrawn by Capital One from my XXXX XXXX checking account XXXX. Capital One withdrew {$10000.00} twice, causing severe overdrafts and bounced checks in my XXXX XXXX account. Capital One staff were unwilling to help, a managerial team member even hung up on me when I asked for the transfer to be reversed. I opened a claim with XXXX XXXX to mitigate overdraft and return fees. Capital One eventually reversed the transfer, but only after significant embarrassment and damage from reversed checks to businesses, contractors, and nonprofits as well as lack of funds fees had occurred.
Consumer complaint received 2023-04-17
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-03
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. (AZ)

I am a victim of the recent XXXX data breach, and a victim of identity theft. The following 2 credit card accounts on my XXXX and Experian credit report are fraudulent, unauthorized and the results of the XXXX data breach : XXXX XXXX and XXXX XXXX. The 2 accounts arent mine and dont belong to me.
Consumer complaint received 2023-05-11
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. (FL)

Hello, Credit bureaus keep disrespecting the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission. 

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this ; please help me in this matter.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have made several payments ( XXXX - {$80.00}, XXXX - {$80.00} ) to Captial One and although it is reflected on my paper statements it is not reflected on online payment activity. When asked about the issue and concern that my payments where not being applied to my account, I was informed that payments made through my bank 's online bill pay system will not be reflected online. However, all other payments made through my bank 's online bill pay system where reflected under payment activity. 

My concern is that my payments are not being applied to my account and possible the statements are not accurate. Banking is no longer about what you send me on a paper statement, since paper statements can reflect whatever the person preparing the statement wishes. I almost solely bank electronically and need it to be accurate.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (FL)

Hello, Credit bureaus keep disrespecting the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission. 

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this ; please help me in this matter.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

According to the statement that was issued for XX/XX/2023, {$14000.00} was owed as the payoff amount and my account was past due. It was reported to all XXXX credit bureaus as delinquent as well. On XX/XX/2023, I made a payment of {$270.00} towards my loan. On XX/XX/2023, Capital One Auto Finance applied two payments to my auto loan account, totaling {$14000.00}, because my vehicle was deemed a total loss due to an accident that I was in on XX/XX/2023. 

As of XX/XX/2023, {$220.00} was owed on the loan. I paid the amount owed on XX/XX/2023, which paid the loan off. No update to my credit report has been made since XX/XX/2023 and as a result my credit score has dropped more than what it was, while this vehicle is showing as 30-90 days past due ( due to being reported inaccurately across all three reports ). Currently, I do not have a vehicle and this vehicle reflecting as it is, has made it impossible for me to get a new vehicle. 

I have attempted to get assistance with this from Capital One and I have been repeatedly told that they can offer me a letter that shows my loan is paid in full. There has been no update to my credit since my first call to Capital One regarding this issue, no statement generated for the month of XX/XX/2023, which should have been generated due to an amount being owed by XX/XX/2023. I have done all that I can think to do and not having a vehicle as a single parent is very very inconvenient when this could have been prevented entirely if Capital One was reporting correctly and timely.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (GA)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FOR : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

They are constantly changing my payment and they know I am doing XXXX treatments and my family helps getting my payments to them. A couple of months ago their system was down and they couldnt take a payment over the phone and they they tried to serve me with court papers until the sheriff was told about it and it was dropped. They constantly called me 5 times a day leaving 4 to 5 voicemails and I have the proof on my phone. They have tried to serve me with court papers several times and each time its been dropped because of wrongdoing of their part. Im getting really tired of this. Just last month I made my payment and yet the next day they called and claimed I owed fees of {$67.00} and then the day after the voicemail claimed it went up to {$100.00} now Ive two voicemails in the same day stating its {$250.00} and they are calling again making it a total of 5 calls and 3 voicemails now and its not even XXXX. This is complete harassment they are going to cause me to lose my job Im not allows this many phone calls. Please help me.
Consumer complaint received 2023-05-11
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. (NC)

Personal Statement Last Name : XXXX Phone : XXXX 15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFO IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES INFO THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THESE ITEMS AS IT IS IN VIOLATION TO MY CONSUMER RIGHTS.