davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: DISCOVER BANK (FL)

We have a 3rd party making our mortgage payments XXXX /Haf they have been paying since last XXXX of XXXX and will continue until XXXX of XXXX. They pay {$720.00}. I pay the difference of {$100.00} amonth. XXXX sent the XXXX payment over on the XXXX of XXXX reference # XXXX and XXXX XXXX on XX/XX/XXXX reference # XXXX. They are sent Electronically. Discover keeps saying they have not received the payments XXXX keeps saying they have accepted the money just have not applied to our account. Our case number with XXXX is # XXXX. Their phone number is XXXX. Discover Home loan account number is XXXX. Their number is XXXX. I have called Discover over 5x in the last few weeks and XXXX has called me 3 x about this. I have tried to do a 3 way call and Discover always hangs up. I dont know what else to do. Now my XXXX payment is late and I will have to pay a late fee and it goes against my credit score. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2020-09-29
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: JPMORGAN CHASE & CO. (MD)

From XX/XX/XXXX -- XX/XX/XXXX. 
Someone used my phone and credit card by purchasing XXXX account. I tried to dispute those charges which is XXXX. Dollars. 
However they don't believe me. 
I never authorized charges. 
I never got benefits from XXXX This is for my chase credit account
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm here again to ask for the removal of late dates and changing the status of disputed account to closed/never late from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$0.00}.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc. (SC)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( Mo ) 281 SW 715,719. I presume no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-05-10
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. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted. 
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 2022-12-20
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. (NC)

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 2023-09-10
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: OneMain Finance Corporation (SC)

Unauthorized hard inquiries from : One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I applied for the capital one secured credit card, they sent me a email immediately after applying asking for me to send income verification documents. I uploaded them in a timely manner and met all qualifications. I was denied the card for unknown reason.
Consumer complaint received 2023-09-07
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim XXXX XXXX XXXX A distressing series of events, an i have become a victim of both EDD card theft and identity fraud, plunging them into a prolonged period of hardship. While Im playing on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but The situation unfolded when an unknown perpetrator gained access to my personal information, including my EDD card details. Armed with this sensitive data, around XXXX of XXXX the perpetrator embarked on a spree of fraudulent activities, leaving the unsuspecting me grappling with not only financial difficulties but also mounting medical bills. As i face the overwhelming burden of family expenses alongside of my own, weight of isolation an intensifies. 
The aftermath of having my EDD card and identity stolen has taken a severe toll on the me, fostering feelings of vulnerability, isolation, and helplessness. The months-long struggle to resolve the issue has worn me down, and the mounting pressure of unpaid medical bills further exacerbates the emotional and financial strain. The constant battle to rectify the situation can often lead to moments of despair and thoughts of giving up. However, it is crucial to remember that there is hope and assistance available to overcome these hardships. 
Recovering from stolen identity and financial hardship requires perseverance and a proactive approach. I took immediate action by reporting the theft to the relevant authorities, such as the EDD and law enforcement agencies an Bank of America. Simultaneously, reaching out to financial institutions, including banks and credit card companies, is vital to alert them of the fraudulent activities and mitigate further damage. As I am Seeking professional guidance, such as credit counseling services or legal assistance, can help navigate the complexities of identity theft recovery, providing a much-needed lifeline during this challenging period. Please find it in your heart to do everything you can as I am a god fearing man an i hope you are as well
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (MI)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC (MD)

One of the problems is constant calling even after payment has been made ; all day every day, 7 days a week. I have made agreements with them, and they continue the harassments, they always act as if we had no agreement or not honor a request to change pay date, after they let me know that i could change the due date after a certain period of time. There is always an excuse as to why they can't do something to work with me. The truck they are financing is just over a year old and just a few months before the year ended, the engine went up, Westlake, the finance company also owns the warranty company ; XXXX engines late and over a month of waiting for my truck because the warranty company sent a bad engine. I complained to Westlake, they showed no interest that the vehicle they finance was not in good shape to be sold, this is along with many other serious issues the dealer found while installing the engine that did not happen with me. One problem after another, and not much assistance from Westlake.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately for they are greatly harming my credit. 
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
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Remove the fraudulent account from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warningXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/year>.
Consumer complaint received 2023-09-09
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: AXOS FINANCIAL, INC. (OK)

There are different inquiries on my credit that are unfamiliar. I do not recognize the following inquiries : 1. AXOS XXXX XXXX XXXX 2. AXOS 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 2023-09-08
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: Chime Financial Inc (GA)

My ex-husband used my debit card to sign up for an emulator through buildsXXXX  ( on the bank statement, it comes up as rainbowpixel ). I have contacted them multiple times and they said they have blocked them however I am still being charged. I have changed my card multiple times and I am still being charged.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS filed XX/XX/2019
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CO)

On or about XX/XX/2018 I was notified by our Mortgage lender, Freedom Mortgage that they did not receive our payment for XX/XX/XXXX. I immediately faxed customer care the copy of the cashed check in the amount of XXXX. On XX/XX/XXXX, I received another letter asking for a payment of XXXX. They stated they did not receive my fax or payment for XX/XX/XXXX as well and are now charging me a late fee of XXXX. I proceeded to fax them proof of XX/XX/XXXX and XX/XX/XXXX 's payment. This time they told me they only got the first cover page of the fax. On my end I show that all pages of the fax were received. I have called customer service at least ten times, e-mailed three times and sent information certified letter to two different locations which they signed for. For some reason I discovered that the account number had gotten switched back to an old account number I had with XXXX XXXX  when Freedom acquired my loan. I do not know how this happened but I relayed this information to them. They acknowledged they got this information and proof of payment but continue to send me letters with threats of foreclosure and reporting me to the credit bureau. I got into my credit report today and found that Freedom Mortgage has now placed a negative mark on our spotless credit report. I will also be filing a dispute regarding this matter. I am helpless and unable to get this resolve while they damage my credit and threaten to foreclose on our home. It is time to make XX/XX/XXXX mortgage payment and I am frightened they will loose this one as well.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I noticed the following accounts on my credit which I don't recognize and I suspect identity theft, I am going to open a formal investigation with my local police department : XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX  XXXX ) XXXX MY NAME IS OFTEN MISTAKEN FOR XXXX , MY ACTUAL NAME IS SPELLED XXXX WITH AN XXXX. 

MAYBE THESE ACCOUNTS ARE SHOWING UP AS A RESULT OF SOMEONE ELSE.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a Bank of america Business credit card for my small business ( LLC ). 
This credit card and the associated website is very confusing. If one has to call the customer service - it's at least 45-60 minutes of wait time - transfer from one department to another. 
I remember that i had setup the auto pay but it failed. I was charged {$39.00} late fees. When i called them up - they waived it because i made the payment immediately. 

Now when i finally talked to them after being on the phone line for 60 minutes ... i come to know there is eBill which triggers autoPay. 

This card, website and everything about Bank of america business card is very weird, odd and unusual ( read not basic common sense ) compared to other credit cards. 

When somebody is paying the auto pay - it expect you to fill all the entries ... it doesn't give the option to the customers like : Pay statement balance Pay minimum balance It just says - pay a certain amount ( which will change every month - why customer has to keep on seeing it to setup - every time ) It doesn't give customers the option to pay on due date ... customer will pick up the date and that date might be passed due date. 

Either bank of america is doing it intentionally ( to get late fees or interests from the customers ) OR they have shortage of right talent ( who can think, design and implement it ). Of course they outsource all their work and pay pennies to the local hires - so there is a very high chance the quality of IT staff is the poorest.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Realized that I was a victim of identity theft on XX/XX/2022. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (OH)

I am disputing this debt because I do not owe it. I have never lived at the address you reported to XXXX and Because I am disputing this debt, you should not report it to the credit reporting agencies. 
Collection reporting on my credit file by SOUTHWEST RECOVERY SER for the amount of {$570.00}
Consumer complaint received 2023-07-13
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)

The following accounts listed below have reported to my account. I am unaware of these listed inquiries. Please look in to the listed accounts. Thank You, 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 XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

A lengthy hold of 30 days was placed on a deposit. After the 30 day period the hold was not released and the deposited funds were not available. I spoke to a customer service representative and was not given any sufficient information regarding the hold. I tried to close the account at this point but was told that the hold would prevent that action.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX  XXXX XXXX Balance Owed : {$100.00} ; XXXX  XXXX XXXX Balance Owed : {$510.00}.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid 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: DISCOVER BANK (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern, I am responding to my account with XXXX credit card. During XX/XX/XXXX, while in XXXX, I applied for a credit card with XXXX credit. Due to my parents lost their jobs, with mounting XXXX debts, I had to discontinue my XXXX XXXX at XXXX XXXX University. I saw a military advertisement, if you enlist in the XXXX, they will pay all my college debts and give a bonus after you finish training. 

After two and one-half years in the military, I found out this was a fraud and a lie, by our government. To maintain a good relationship with XXXX XXXX, on XX/XX/XXXX, I sent a certified letter to Discover asking for a hardship payment plan for the {$550.00} balance on my credit card. Discover closed my account and continue to inflate my balance to {$1000.00} after making several payments. 

Discover never responded to my requested letter, while continuing to inflate my bill and running my credit. I am asking your help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I found the following unauthorized inquiries on my credit reports. I have been the victim of identity theft. Please investigate and remove the following items : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX