davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX. XXXX, XXXX amount XXXX unauthorized auto loan open in my name XXXX XXXX XXXX. XXXX, XXXX amount XXXX unauthorized credit card I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WI)

My credit report incorrectly lists my U.S. Department of Education student loans twice, once under a past servicer Nelnet and again under the current servicer XXXX. This duplication falsely inflates my total debt amount and could adversely affect my credit score. This inaccuracy is a significant concern as I am in the process of closing on a house, and an accurate credit report is crucial for this transaction. Prompt correction of this error is essential to ensure a smooth and successful home-buying process.
Consumer complaint received 2017-02-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Homestead Mortgage, LLC (MT)

Last XXXX 2016 I took on a mortgage through American Homestead in XXXX, MT. The whole process seemed seamless and very effective until after I signed all of the closing documents. Before I went to the Title company to sign a rep from American Homestead called to tell me that I would have to put down less money than was disclosed on the original closing disclosure documents. She said great news the owners gave you a buyers credit and you only have to put down x amount of dollars. I was a little surprised and confused at the same time. I asked her twice so I do n't have to put down the full 3.5 % down that the FHA loan requires and my payments will stay the same as what the closing disclosure documents stated. She said yes! I was elated thinking that I would have to put down approximately XXXX less than what was disclosed and my payments would stay at the XXXX. Long story short, 2 months after I signed the contract, XXXX the mortgage company sent me a letter saying that my escrow account was short and that I needed to come up with {$1200.00} ish or that my payments would go up {$100.00} a month for a year. I called American Homestead and spoke XXXX XXXX XXXX the head loan officer and explained to him the situation and he spoke semi aggressively and said that I was trying to take advantage of their mistake?! I was appalled with the nature of the call and decided I would just XXXX it up and make the adjusted higher payments. I have 4-5 payments left at the higher amount and it has been XXXX readjusting my calculated budget to make sure no payments are missed. On a side note my credit bureaus show perfect payment history and I intend to keep it that way even with the higher payment that was a surprise to me. Bottom line if I had been told that by making the smaller down payment than was originally agreed to and that my payments would go up {$100.00} in just a couple of months I would have stuck with the original down payment that I had ready to go from borrowing against my XXXX. The way the rep worded the sellers credit and the readjusted down payment was deceptive. The way I was talked down to by XXXX XXXX XXXX was uncalled for and I will never reconsider American Homestead or recommend them to anyone! Everything up until the down payment glitch was a great process. I was very happy with American Homestead until they made this mistake and told me that I was trying to take advantage of their mistake?! I was n't asking for extra money back, I just wanted my payment to stay the same just like the rep had told me, even after I asked twice that with the reduced down payment that my payments would stay the same! I am in sales myself and if I make a mistake I ca n't go back to the customer and tell them tough luck and by no means would I ever tell any of my customers that they are trying to take advantage of my mistake if I made XXXX. No one is perfect, I get that, but I was treated rudely and mislead. This is an example of how not to treat a consumer.
Consumer complaint received 2024-01-12
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: P&B Capital Group, LLC (AR)

I received multiple emails for this debt collection from multiple different debt collectors. Ive asked to not be emailed by previous owners of the debt but my debt keeps getting moved to a new debt collector. It is also showing up on my credit report as being owed to P & B Capital Group but that is incorrect. The debt has been transferred to a debt collector named XXXX XXXX XXXX and theyve sent me multiple communications as well. Ive attached some of the communications that Ive received from XXXX XXXX and other debt collectors as well. Ive asked for P & B Capital Group to remove the remarks on my credit report through email but didnt receive a response. Just another debt collector taking over the account.
Consumer complaint received 2024-01-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (HI)

Sentry Credit , Inc sent me a text message in XX/XX/2024 for a debt I do not owe, and without any background other than saying it's about a debt. 
Hello! This is Sentry Credit , IncXXXX We would like to contact you via Text. Please call XXXX. This message is from a debt collector. Msg & dataratesmayapply. # of msgs vary. To opt-out reply STOP XXXX XXXX brushed it off because after looking them up and seeing that they do rental debt, it seemed incorrect since I do not owe any landlord money. I wasn't going to text back and be charged for something, I do not owe. I also live in a place with a time difference and do not have the time to call them and they seemed like a scam as I do not owe anyone money. 
I then received a collection letter today XX/XX/2024 ( more than 5 days from original contact ) for a debt I paid and have the receipt for from over a year ago! Now I am extremely worried my credit I worked so hard to raise is going to be affected by a false claim. 
I shouldn't have to spend time and money to defend myself on a debt that is false. It is false debt and now I have to spend money and time to send a dispute letter for a false claim which wasn't validated in the first place before they tried to claim I owe someone money. 
They didn't even list the correct name of the landlord.
Consumer complaint received 2024-01-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC (FL)

I am paying for a loan that the contract has not been satisfied. The loan I am paying is for a solar system that is not working. GoodLeap made statements that were not true so that could get the loan. This company is praying on the elderly. They said that is I would give them the money from the tax rebate that my payment would remain the same. They lied.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (AR)

My fiance took out a line of credit to pay for a vet bill we needed help with. I am also on the loan. We made what payments we could up until XX/XX/2023 when my fiance was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He was in XXXX for months and has a XXXX XXXX XXXX leaving him XXXX XXXX XXXX and we haven t received any help outside of family. Its left me to becthe only income at the moment BC we r waiting on XXXX. I have explained this to carecredit yet the still email me daily and call multiple times a day.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra ()

I have {$2800.00} deposited in the Abra app. I'm getting the message " Application is not accessible due to Compliance reasons ''. The company doesn't seem to be contactable. I had been using for many years prior without an issue and had previously withdrawn money from the app.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

I received an American Express gift card for XXXX dollars. I was initially able to use it to make a XXXX dollar purchase, but then it was completely blocked. I haven't been able to use it anywhere. I found out online that many people are having the same problem, and that American Express gift cards are functionally useless due to them setting restrictions for " security reasons. '' I would like access to the rest of the money on the gift card, but I can't seem to do anything with it- I can't use it to buy things, can't take the money out, nothing. When I used the American Express website to check the funds, the money was clearly still there, so I know it isn't an issue with the amount on the card.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CL Holdings LLC (TX)

XXXX XXXX Pursuant to 18 USC I owe no debt. This company is violating my right to privacy according to 15 USC 1681 b 2. This company also doesnt have permission to publish anything.
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (NJ)

Halsted financial services are sending me text, emails, & phone calls everyday for a debt XXXX  XXXX XXXX  acct # XXXX but another company I have a payment arrangement for XXXX  XXXX XXXX  acct # XXXX I am already paying with resurgent company I dont understand whats going here both companies can not go after the same debt thats illegal
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-15
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: SYNCHRONY FINANCIAL (AZ)

On XXXX XX/XX/2023, I received notification from Synchrony that the credit limit on my Verizon credit card was arbitrarily reduced. Consequently, there is now the perception by anyone who views my credit report that my usage has skyrocketed because of poor spending habits on my behalf. That is blatantly wrong, and the credit card company has decided my limit needed to be significantly reduced without any conversation with me regarding it. I am requesting the original credit limit be restored.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (SC)

XXXX is refusing to Provide documents I have requested to Validate the alleged debt that is reporting on my consumer report. This is causing my financial hardship and needs to be resolved immediately!! 
I Contacted the creditor requesting Validation of the debt and asked for the original creditor. Received multiple responses that they did not investigate the request and did not provide the requested information due to the account number not being listed.. Requested the same debt be validated again this time including the account number that they reported on my credit report and once again received a response that they did not investigate the claim nor provide the requested documents to validate the debt..
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank closed account on XX/XX/XXXX due to a check that was deposited in my account, as it needed additional verification. After I received the letter that my account will be closed within 10 days I called Chase and they told me that the balance in the account would be sent via mail in form of a cashier 's check. 
It has been 9 days and I still do not receive my check. 
I called right away as soon as I notice I had no access to my bank account on XX/XX/XXXX, and a representative told me the check had been mailed out on XX/XX/XXXX, and I should expect to receive it within 3-5 days. On XX/XX/XXXX I called again as I had receive no notification from Chase regarding the closed account, and then they told me that the funds have not been mailed because they needed additional verification regarding the last check I had deposited. 
XX/XX/XXXX, today I went to the Chase branch and they told me the check of the balance in my account should have been mailed out the same day the account closed, and they provided me with a telephone number to call Chase myself to ask about the status of the check. I called and the first time a customer rep told me the check was sent out on XX/XX/XXXX and that I should expect to receive the check of my balance by Monday XX/XX/XXXX. However, I was still in doubt because that is not what I had been told before. I called again and another representative informed me that the fund will remain suspended and nothing can be done if they can not verify the check by having the persons registered phone number. 
It is very stressful, and they also told me they could keep my money for up to 2 years if they can not verify. I do not understand why Chase hold on to a check for 10 days and then keeps the money and closes the account and need extra verification that they keep saying they can not verify even after providing them with what they are requesting. Also, they told me to contact issuer of check and have them dispute check. However issuer has informed me that the check shows its cleared on their end, and that the money has been successfully been deposited.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on XXXX for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus XXXX XXXX {$20000.00} XXXX - Transunion XXXX {$20000.00} XXXX XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX XXXX XXXX XXXX XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX XXXX XXXX XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CA)

I applied the Discover it credit card at XXXX last year successfully, but after several payments, the bank restricted my credit card suddenly and asked me to provide my personal identification verification via notary service. The bank told me that they initiated this process as they realized that my passport is from XXXX. 
I am new to US, and I have my working XXXX issued by US. Meanwhile, I also followed the bank 's requirement to have a notary document by XXXX, and uploaded it to the bank 's system following with its instruction. But the bank still restricts my account and says they will close it without any reason. And it will definitely impact my personal credit.
Consumer complaint received 2017-04-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (WV)

I purchased a new car, and I gave this one back to the finance company. My new car dealer drove the XXXX to XXXX for me, and he spoke with the owner regarding the vehicle. The owner made him park it in a back lot, so it would be out of his way. I followed behind, and picked the dealer up. 
I have a voice recording of my call to Credit Acceptance, explaining to them that I voluntarily surrendered the vehicle and returned it to the place of purchase. XXXX informed me they normally pick up the vehicle within 10 days. They will sell the XXXX at auction and bill me for the remaining balance. I requested they not call me continuously until the vehicle is auctioned. 
I immediately mailed my key to XXXX, who has possession of the vehicle, along with a copy of this form and the notes above the line. 
I drive by and check on the vehicle periodically to see if the vehicle has been picked up yet, and to ensure no vandalism has occurred. 
The financing company has not yet picked up the vehicle. They continue to call me multiple times a day, seven ( 7 ) days a week. Sometimes they leave voice mails, sometimes not. I only get a bit of the voice mail, which is an automated message to call them. At this point, my voice mail box is full. I refuse to clean it up and make room for more until they cease harassment and follow through with their established procedures. They call from so many different numbers ; it is nearly impossible to block them. I 've tried to compose a call history, but I can not guarantee I got them all. It makes my eyes cross and gives me a headache!
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC (VA)

Dave banking has nice tv commercial and good account management But, unfortunately, behind it lies non-compliance with Mastercard rules about zero responsiveness for fraudulent transactions. 
This company did not even provide a response from the payment system ( MASTERCARD ), stating that their incomprehensible system somehow miraculously revealed that transactions such as cash withdrawals in another state were made by me. I submitted this case to the cyber police. They do something, but the banks decision does not depend on them.

In response to my request to provide me with documentation that it was me who made the transactions, they sent some incomprehensible PDF file from their computer that all transactions were valid.

So I can also create such a file on my computer in the program and write whatever I want. The DAVE platform is completely inadequate to provide banking services. So whoever is a fraudster can freely copy the card or spend money from a thiefs wallet anywhere, but its easier to find out the PIN code of the card and withdraw someone elses money. 
You won't be caught. I hope that the money taken from me will go to someone for medicine to scammers or who works in this miracle banking