davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (LA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX account number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX account numbers XXXX AND XXXX XXXX XXXX XXXX section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-03
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. (NJ)

In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit, I have reached out to the establishment and reporting credit bureau frequently to have this file investigated and handle accordingly on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Disputing and submitting supporting documents that the property for this account was surrendered in XXXX  XXXX bankruptcy filed XXXX XXXX.To later be informed XXXX after per XXXX XXXX XXXX XXXX that they did not have a deed in lieu on file is ridiculous being that the property was surrendered through bankruptcy which was on file.This file has yet to be updated accordingly.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VYSTAR CREDIT UNION (FL)

I had a lease with XXXX XXXX and I sold it to buy a vehicle with XXXX dealership from XXXX FL. They sold me a vehicle and charged me a total amount for it of {$42000.00} on a car originally priced at XXXX. They added XXXX on top of the car which are not taxes. There was some additional services and protections that I added but I also ended up paying a market adjustment on top of that as well then they placed me on a 84 month term to bring my payment to {$630.00}. They never indicated that they were adding a market adjustment to my loan which is absurd and I honestly thing that is theft because they are charging me for something that I don't have t to pay. Because of this issue now I am XXXX over and I wanted to change my vehicle to a SUV and I can't because of this issue. This was not done with my knowledge or consent. They actually told me in another dealer that they scammed me which is so horrible to do and I don't even think that is legal to do.
Consumer complaint received 2023-03-06
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. (CA)

Im submitting a complaint again to you today to inform you I was the victim of identity theft. This is my follow-up complaint prior to my previous attempt dated XX/XX/. 

The accounts I am challenging are erroneous and misleading. I need those accounts removed ASAP. 


Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (ID)

Our loan was sold to Lakeview Loan Servicing LLC within the last year or so. In that time they have claimed that we are behind on payments.

Most recently ( right now ) they claim we are two months in arrears however the holding company has provided a history that shows all payments have been made. We get reminders that electronic statements are available by email but not if there might be an issue. We check periodically but did not check recently because everything has appeared to be proceeding normally. 

Out of the blue, I get a credit alert that the company has reported that we are delinquent. When I looked at their site, they indicate that we are XXXX months in arrears. I have sent emails along with information from the holding company yet no response. 

We need them to correct their records and fix the credit report. 

Thanks, XXXX XXXX
Consumer complaint received 2022-10-20
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. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (MA)

I recently returned a leased XXXX XXXX XXXX vehicle that I had financed through Chase Auto Finance. Although I am covered for 'excess wear and tear '' up to {$1000.00}, the inspection they performed claims I owe them {$1100.00} for excess wear and tear above the allowed amount. The vehicle, in reality, was in fine shape, was returned with almost 10K fewer miles than the contract allowed ( hence, more valuable for them ) and was quickly resold. Itemized charges include " Carpet Dirty = {$65.00} '', " Front Seat Dirty = {$65.00} '', " Back Seat Dirty = {$65.00} '' and many > {$100.00} charges for small scratches. There were some small scratches on the vehicle - I live in a city - but nothing a normal human would consider " excessive '' .The only legit " excessive wear and tear '' charges are for a dent on the front bumper, and a scratch on the back bumper, which should cost less than the allowed $ XXXX ( {$660.00}, according to their estimate ). This is attempted extortion, and I will refuse to be ripped off.
Consumer complaint received 2021-10-16
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: PNC Bank N.A. (IL)

I filed multiple disputes with the credit bureaus. It take them well over 30days to comply in fact when i did receive a response they never removed or made any adjustments to my concerns with the inaccurate info on my credit report.. I have been disputing with them for a period of time now and they fail to comply..
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (MO)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I am a new immigrant in the United States for 9 months, I opened a check account at US bank with the online banking option, every day I receive several phone calls and messages that offer me bank loans, one day I myself am interested in changing my car and I submitted an application for a car loan, then I received a phone call asking me for personal information as well if I work and in which company and how I am paid, I have him explain that I work with XXXX  cubes and I receive my salary by direct transfer to my bank account, he asked me to see the last two paystubs and he told me to show me my bank statement, and he asked me to connect to my bank account, then he received my username and my password, suddenly my online account was blocked and I had to phone my customer service bank to unblock me and give me access back to my account, unhappy She couldn't, but I couldn't understand why because my level in English is still low, after 2 hours I received a telephone from US bank and another assistant talking to me with an American accent that was very difficult to understand and a poor quality of hands-free network because I drive my car and seeing that I thought it will solve the blocked account problem, it made me understand that my bank account will be closed. I was too surprised because I could not imagine the reason for this decision, the next day I went to the branch in XXXX and I spoke with the manager of the bank who tried to help me by calling the appropriate service but unfortunately they refused to resolve my situation and either I could not withdraw my funds, I explained to him that I need my money because I have payments to make to pay my rent and my bill and my medications and to ache take food, etc... His answer was no and that I will receive my money within 30 to 45 days, I was too upset because I work hard every day and to receive my pay and my bank blocks me, so what good is a bank if it does not provide a service. In addition I had to ask my employer to change the account number to another bank for my payroll. I wanted to draw attention to my experience and the badly with the difficulties that I am facing on this incident especially since I do not yet master English, if the assistant noticed that I do not understand it is her fault to continue asking me questions, she should have given me an interpreter at least.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OH)

On XX/XX/2020, my XXXX Bank XXXX had XXXX transfer reversal from XXXX had been receiving XXXX benefits for a XXXX plus.Then I wake up with no money.I have talked to XXXX XXXX Bank XXXX XXXX and they all pass the blame to XXXX.No warning or explanation.I called for XXXX months trying to get the transaction history on my account mailed to me.I finally received them a XXXX ago.I have a screenshot of the transfer reversal.
Consumer complaint received 2019-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (TX)

They did not respond and stated that is how the company is run. We got a loan for XXXX, how every they took over XXXX dollars with of fees and that did not include the instreated. 
We paid the loan off early they only thing we got back was XXXX bucks We paid off over XXXX before it was due and this is all we got back in fees. 

We only got XXXX from the loan, but we paid back over XXXX in fees and instreat which this is not fair We want some of our money back over XXXX should be give back to us
Consumer complaint received 2024-12-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

Every time I pay bills something always over-drafts due to what has already come out still pending. It never reflects my actual balance, and the fees per transaction once it's low is ridiculous, XXXX each one simply because they can not get their XXXX together. I am not working at the moment, and I need to know exactly what I have left for food, medications ( I have XXXX XXXX, and other items. I literally think they are doing it on purpose, I can not afford XXXX per transaction and if they can not fix it I may just find another bank.
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AZ)

Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I've made payments for this store card consecutively now I go on the app and the cards closed. Whenever I called the rep told me there was 2 payments that were returned. No payments were returned I used bill pay and it reflects my bank statement so I'm not sure what's going on. You application also sucks you can't see transaction history and it takes forever for a payment to post.
Consumer complaint received 2021-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (GA)

The company sent a letter months back stating I owed them money at which time I called and informed them they needed to contact my attorney as this was settled in bankruptcy. I get another letter today dated XX/XX/XXXX that I have until XX/XX/XXXX to pay them {$7700.00} remaining on the debt. This account was closed in my bankruptcy and it is against the law for them to be contacting me at all in regard to paying any remaining balance on this account. I have already told them once before that they needed to contact my attorney and they have ignored going that route. My bankruptcy was finalized as of XX/XX/XXXX and the vehicle is still taking up space on my property. I converted to CHXXXX in XX/XX/XXXX and they had ample amount of time to say anything to my attorney as well as come and pick up the vehicle. It has been sitting on my property taking up space and getting in the way for 10 months now and I am well within my rights to file a petition with the court to collect fees up to {$10.00} a day for rental space on the property. I will plan on proceeding with this within the next 30 days if I don't hear anything back. I am sending a copy of the letter from Jefferson to my bankruptcy attorney as well as he is within his rights to pursue any legal ramifications in regard to this matter.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

On XX/XX/2020 I was shopping for a mortgage and got in touch with Rocket Mortgage. I spoke with XXXX XXXX NMLS XXXX. I wanted to delay applying but he pressured me into applying. 

I submitted my application the same day, informed Rocket Mortgage ( Mr. XXXX XXXX that I had applied and asked what the next steps were. 

XX/XX/XXXX, Mr. XXXX asked the basic details of the transaction XXXX principal amount, loan amount, etc ) and I provided them same day. I provided a signed contract XX/XX/XXXX. On XX/XX/XXXX, I informed Mr. XXXX of another banks offer. He told me he would speak with his director and get back to me that same day. Mr. XXXX never got back to me. 

I am disappointed that I was never provided any offer for a loan, provided a loan estimate, but was also not rejected. My understanding is that banks must provide a reason for rejecting you. By never getting back to me after weeks and months, this was the equivalent of rejecting me.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NJ)

PHH took out an LBI policy (lender Based Insurance) home owners insurance policy even though I/we have our own home owners policy.  Their action has caused our mortgage payment escrow amount to increase.  WE DO NOT OWE ADDITIONAL MONIES PER MONTH TO THE ESCROW ACCOUNT FOR HOME OWNERS INSURANCE!  WE HAVE OUR OWN POLICY WE PAY SEPARATELY!  We have on two separate occasions submitted proof of insurance.  They did not do their due diligence when merging certain department with a company called XXXX XXXX XXXX to verify ownership of separate homeowners insurance policies in our history dating back to prior to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the same address. They stated they had a different address while all along had they done their due diligence they would have seen both addresses same loan number and documents corresponding to the same address as the insurance declaration proof of insurance.Since XX/XX/XXXX we have been trying to correct THEIR mistake via the phone. Numerous calls.  Most recently PHH has placed a derogatory report on our credit.  This has adversely affected our credit and our ability to get credit.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I know that this will affect me with my futures credit transaction and so, I would like it to be taken care of.
Consumer complaint received 2021-04-02
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: WELLS FARGO & COMPANY (TX)

I already reached out to the credit bureaus and to XXXX  CUSTOM for the account number XXXX notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Americor Funding, LLC (PA)

I cancelked my service after the next day and just this week they removed XXXX from my bank account and said they would return it and have not my account is in the negitive and they are not trying to gelp at all but to make me fall and steal my money after telling them XXXX day after i talked to them that i did not want there service at all
Consumer complaint received 2023-03-06
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-09
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.