davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. 
Bankruptcy XXXX XXXX-discharged Reference # XXXX XX/XX/year>
Consumer complaint received 2024-04-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AMERICAN PACIFIC MORTGAGE (CA)

XXXX Loan Process - Lender did not confirm required documentation and have not responded to my request. 
Loan Underwriting - Lender said XXXX days to complete the underwriting. Requested the status of underwriting and did not response for more than XXXX weeks. 
Offer Letter - Lender did not acknowledged my agent 's email writing offer letters.
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (MO)

On Sunday, XX/XX/23, I signed up for XXXX XXXX after completing my taxes using XXXX. XXXX XXXX " recommended '' an auto loan refinance with RateGenius, and displayed an advertisement for RateGenius showing the outstanding amount on my current loan an estimated monthly payment of more than {$70.00} less than my current loan, and an interest rate of 3.30 %, which is 0.69 % lower than my current loan, for a 36-month loan, and no fees are indicated. That offer made sense to me and so I applied. I completed all of the required information and answered questions for a RateGenius representative who called me. 

This included agreeing to a " hard '' credit inquiry -- which impacts my credit score. Still, I was willing to do so because of the amount of money I would be saving monthly and over the life of the loan. 

And, by the way, my credit score is excellent -- XXXX. So there is no legitimate claim that I should not qualify for the best rate. 

The RateGenius representative then called me back saying I was approved for a loan at more than 4.6 % APR -- far higher than I already am paying! Obviously that is not even close to what was advertised and in no way something I would have even thought about had the advertising not been misleading! 

Clearly the rate and monthly payment amount advertised by RateGenius on XXXX XXXX was nothing more than a " bait-and-switch '' type offer to get me to apply for a loan. Now I have a " hard '' inquiry on my credit history for no good reason whatsoever.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 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.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2023 I initiated a transfer for XXXX from capital one bank to XXXX XXXX XXXX denied the funds as noted in my cfpb complaint to them CFPB Case XXXX. They stated funds would be on hold for 30 days and then capital one would need to to a SRXXXX  return on the funds. Capital one sent me ACH documentation stating the funds were rejected from XXXX  Tracing number XXXX. Claim/case number XXXX. Twice capital one has denied my claim. Manager said it was in wrong department and now dealing Richmond XXXX XXXX. Its been 2 weeks and still no resolution. Manager today said she didnt think they would be able to handle. Account XXXX. Would like the funds be returned to account.
Consumer complaint received 2023-03-14
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. (IL)

I was in contact with XXXX in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. XXXX has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report as soon as possible.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my sixth endeavors 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1600.00}
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland credit management is reporting a collection account to my credit reports for a XXXX XXXX card that I never had. In addition to the debt not being validated/verified after disputing, it has remained and the amount owed is being increased over time. I have never heard anything from this company and this fraudulent account is preventing me from qualifying for a mortgage. 

The original amount they reported on XX/XX/2019 and now the balance is showing {$620.00}. There is no original account on my credit report because I did not have this card ever. I have asked for all documentation showing that 1 ) This account actually belongs to me and 2 ) Midland Credit Management actually has the right to collect money from me and I have not received this information. Due to these facts, this account should have been deleted. 

This account is inaccurate, in violation of the FCRA and does not belong to me.
Consumer complaint received 2017-09-18
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. (FL)

I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX
Consumer complaint received 2023-02-15
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)

I was recently alerted by Experian that a new account was open during XX/XX/2023 with XXXX XXXX that I did not open. I disputed this item but the company said this should still be on the credit report. They are not providing any sufficient contact information so I know who I can discuss with XXXX
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OH)

Closed Fidelity card due to multiple fraud incidents. After closing, a merchant refunded {$1000.00} to the card, for which I asked Fidelity to refund via check in early XXXX. This check was never sent. 

Later, I disputed another part of this transaction with the merchant for ~ {$3500.00}. Fidelity disputed the full amount. After resolving the issue with the merchant, I asked fidelity to cancel the dispute which they have yet to do. This now shows a balance on my account. Despite multiple calls and hours on the phone, fidelity has not been able to send a check for the {$1000.00} credited to the account. 

During multiple calls, it is clear that their internal systems are not showing full details and they are unable to piece together the full sequence of events.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2018-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Three months ago, I contacted Bank of America ( BOA ) to have my address changed from XXXX to XXXX XXXX. BOA sent the title to NJ DMV and I was able to register and insure my vehicle with my new address.

One month later, I fully paid off my auto loan. My loan was opened in XX/XX/XXXX and I fully paid it off in XX/XX/XXXX. After the loan was paid, I called BOA and they informed me that the title would be mailed out to me 10 days. 

After one month had passed, I contacted BOA again, this time they informed me the title was accidentally mailed out to the old address. I don't know how something like this was even possible since the change of address 3 months earlier was facilitated by BOA.

Now they have informed me, they will be mailing out a lien release. In addition to the inconvenience, it will cost me approximately {$94.00} to obtain a duplicate title from the DMV which BOA is not reimbursing. The manager I spoke to was unapologetic and quite rude. 

Why should I pay for BOA incompetence? I have never been late or missed a payment and I have worked very hard to payoff the loan in less than 15 months. Its extremely unfair that I am now driving around in a vehicle that is fully paid off with nothing to prove I am the owner. I am annoyed and very disgusted with this company. 

I want to add also that I have another car and loan with XXXX XXXX XXXX ( XXXX ). Address had also been changed and the loan was also paid off at the same time. XXXX mailed me the title to the in title to the correct address in 10 days. Agent I spoke to was pleasant and very helpful. 

Just want to remind anyone reading this that you have a choice as a consumer. After this experience I will never again do business with Bank of America.
Consumer complaint received 2017-02-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc. (NY)

This debt was  discharged  on  XXXX / XXXX /   2017  after  Simons Credit agenc y could not validate the debt. However, they have resubmitted the account to my credit report after deleting it days later.
Consumer complaint received 2017-05-17
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. (MI)

On  XXXX   XXXX  I filed a proper dispute with Experian on an unknown medical account on my credit report because if it was mine it very well could be obsolete at this time. In my dispute I requested the name and address of the service provider, patients name, dates of service, etc. I received back a response dated  XXXX   XXXX  stating the investigation is complete and that they contacted the company and the account will remain on my report. On page  2  dated  XXXX   XXXX , it clearly states : If interested, you may request a description on how the reinvestigation was conducted along with the business name, address and phone number of the furnisher of information.   So I re-disputed with Experian on  XXXX   XXXX . Asking them to supply that information to me, as I am requesting it again for the  2nd  time.   In addition to sending Experian the dispute, I also contacted the reporting collection agency on  XXXX   XXXX ,  XXXX   XXXX   XXXX , with a dispute and request for validation on this unknown account as per instructions from Experian 's dispute results letter dated  XXXX   XXXX ,    2017 I aske d for proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.   I received a letter from  XXXX   XXXX  dated  XXXX   XXXX . Their version of verifying this debt was  a one pa ge sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges.   They way that I see it, Experian cant furnish the requested information to me because if they did properly investigate my dispute, they would be able to furnish the requested information to me. IF they contacted  XXXX   XXXX  and requested the information from them, like they want me to believe, they would also have no information on dates, services, doctors, etc, because  XXXX   XXXX  is unable to provide that information to me as you can see in the follow up letters.   Experians refusal to investigate is a violation of the FCRA and FACTA.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by impersonator XXXX XXXX and fake XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BECU account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2017-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

XXXX   XXXX ,  2017    . XXXX - XXXX  ( CST ). Representative at Navient is  XXXX   XXXX . He has repeatedly harassed me and has been rude to me on the phone regarding payment for my loans. He demands that i make payments over the phone via prepaid card, bank account number, credit card or debit card. I 've explained to him several times that I do not like making payments over the phone and prefer to do an online bill pay through my bank so I can have  a paper trail. He continues to tell me that I should make the payment over the phone and demands a date that I will send  in a payment. Navient has screwed up several payments I had made last year and took OVER A MONTH to refund me the excess amount they took out, which ended up caused my bank account to overdraft and result in bank overdraft fees.  XXXX  talks to me like i 'm stupid and is very unaccommodating.
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: AES/PHEAA (MI)

I called them on the phone all three credit reporting agencies, XXXX, XXXX, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had been wanting to close out my checking account as bank of America had started charging me a fee each month that I had never had before to my account. They claimed that I had signed an agreement regarding I must always have a certain amount of funds in the account that I never remember agreeing too. There was a bill that came out of that account and we had thought the bill was diverted to another checking account. So when I went to go close the Checking account, I noticed I was over drawn and tried to fix the situation as soon as possible. I was told to just come back the next day with the funds and they could close the account. The next day I came too the bank with the funds to find out by the teller that a credit card was opened in my name with out my permission to put funds from that credit card to my checking to bring it to the positive. 

I demanded to speak to a manager and the manager made the comment that they did nothing wrong. That the credit card I opened when I see XXXX and had closed they just had reopened to cover my over draft in my checking. Granted I am now XXXX! I was not happy and I tried to go to another location of that bank but they asked me to resolve the issue at the banks location that this all started at. As they would not help me.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (MI)

I have previously sent a letter to your company, but the representative told me that they have not received it, so I am re-submitting a letter with my FTC report for these unauthorized and fraudulent inquiries through this platform. Please prioritize this matter.
Consumer complaint received 2023-07-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (DE)

Citi official informed on XXXX, XXXX, that they are working on the transfer, and within XXXXXXXX XXXX, of the notification, the account will be credited. 

On XX/XX/XXXX, a Citi official sent another email to inform me that the transfer will be {>= $1,000,000} if I pay {$3800.00} which I refused to pay.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Greetings, On XX/XX/2023 I mailed a personal information letter to TransUnion in reference to incorrect information on my consumer report. I also quoted 15 USC 1681 ( a ) ( 4 ) in reference to a consumer 's right to privacy. 
I asked for my name, address and phone number to accurately displayed on my report. 
Also I asked for my employment to be removed as well. 
Everything was corrected but they refuse to remove the inaccurate addresses that are currently on my consumer report. 
I in return sent a second letter on XX/XX/2023. Once again asking for the wrong addresses to be deleted. 
I also included an arbitration Opt-Out letter as well.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (MD)

My XXXX year old father went to his PNC Bank in XXXX MD with a withdrawal slip in hand to get cash from his checking account. He does not use the cash machines at his age. 

My father asked XXXX at the PNC Bank front desk to help him fill in the withdrawal slip to get {$400.00} cash from his checking account. Instead XXXX talked my father into getting a second credit card ( he already has a XXXX credit card from this bank and puts about $ 1,000/month on it ) XXXX neglected to tell my not-tech savvy father that this new credit card had a annual fee of {$85.00}. My father didn't need this, didn't want this and asked me to help him figure this out. Shame on you, XXXX! 

I'm sure XXXX decided her signing bonus was worth more than talking an elderly individual into something they didn't want or need. I find that reprehensible. 

I am ... a daughter who is helping her father stay independent by being his bookkeeper.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (FL)

I was very XXXX XXXX XXXX XXXX XXXX during the pandemic and i missed a car payment and was late by 33 days. I have called them 1000s of times and told them i was XXXX XXXX and they do not care. Is there anything we can do?