davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OH)

Chase bank decides to part way from me for absolutely no reason at all. I love this bank but after my account was negative for a few days which i had a deposit on the way they decide to terminate my account never letting me open a new one ever in the future.
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NY)

After my father passed away, it took a over a year to get the courts to name me as executor of the estate. Admittedly, the account has not been paid as the estate has no assets. I am in the process of trying to sell the home to pay off what I can on the mortgage. Mr. Cooper calls me on a weekly basis. I have tried to update them and have been very open about the issues I have had. When I can't answer, they leave a voicemail with a number to call them back. When I call back, I get an automated system that says " Thank you for calling Mr. Cooper, it appears you have reached us by mistake, your loan is serviced by Mr. Cooper ''. I get past that message and then hit an automated system that tells me to enter the last 4 of the SS number or the account number. I am unable to get past this. I have been lucky a few times and have actually been able to reach a person. I have no idea why it worked. Most times, it's just 20 minutes of an automates system telling me that they need to verify my info before they can speak to me. Today, I somehow actually got a person who told me they were calling because they needed a copy of the death certificate. I have provided this ( via email with proof ), 3 times already. I sent it again. I asked for help with the verification system and they said they can't. I asked for a supervisor and was told that my call would be sent over to escalation. After 20 minutes of not being answered, I hung up. Today I spoke with a woman named XXXX. I am trying my best to settle this account. If Mr Cooper is going to continuously call me and leave messages with a number that I can not call back on, I feel they are simply harassing me and trying to make it look like I am not being responsive. No one at Mr Cooper will help me.
Consumer complaint received 2022-11-28
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. (IL)

After reviewing my credit report Ive notice some unauthorized inquiries on my profile. 
The following : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX/ XXXX XXXX XX/XX/2022. 
Again these inquires were unauthorized and I request to have them deleted.
Consumer complaint received 2023-10-02
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (GA)

For the second time in the last 60 days or so they have reported my account 30 days late to credit bureaus!!! My payment was due XX/XX/XXXX and they have reported my account 30 days only a week after the due date... I believe this company is doing this out of spite because I was disputing other inaccuracies on the account. I will attach copy of statement proving the account was not 30 days late!!! CFPB needs to investigate the practices of this company
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an email that Bank of America was unable to open a Bank of America Advantage SafeBalance Banking Account. I DID NOT ATTEMPT TO OPEN ANY ACCOUNT with Bank of America. This e-mail was dated XXXX2023. I do not want to open and account or do any banking with Bank of America.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

In XX/XX/XXXX i was contacted by Genesis Collections  trying to collect a debt from XXXX. I informed them then that this was not my debt and that police reports had been filed, a complaint was filed with the FTC and the original Creditor was notified about the filing and the identity theft. On XX/XX/XXXX Genesis Credit Management and Columbia Debt Recovery at XXXX have reported this fraudulent debt to my credit report inspite of them being notified that the debt is fraudulent and them being notified that all communication with the original creditor as required by federal law has been completed.
Consumer complaint received 2022-11-21
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: CLGF Holdco 1, LLC (NV)

I paid off my credit card with Indigo Mastercard on XX/XX/XXXX. On XX/XX/XXXX my card was stolen and rang up for {$250.00} in unauthorized charges. I called two of the vendors to confirm that my card was used with no proof of ID shown. 

I called Indigo on XX/XX/XXXX, they filed a claim, and gave no updates. On XX/XX/XXXX I called and they told me the claim was denied. I asked why and they said it was improperly filed. They previously advised that I have to make payments on my card even though the transactions are not mine. They will not expedite the process even though I waited over 30 days for this to be resolved. 

I filed a police report and offered multiple times for the report to be sent, to which they refused.
Consumer complaint received 2023-06-15
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. (GA)

As I look out my credit report, I had found out that there are some account that need to be corrected on my credit file. The fact is, this account seems to be inaccurate as well as the accuracy. So in this way, I am complaining for you to investigate this issue. According to Fair Credit Reporting Act Section 605b, it was the responsibility of the XXXX credit bureaus to correct the accounts on someone's credit file. Kindly correct this account immediately : XXXX XXXX Balance : {$660.00}.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX- Incorrectly reporting as closed by credit grantor. This account was pad in full and closed at my request. I've made multiple written requests for evidence of the account status for which they have not responded. Please update the status to Paid/Closed by consumer or delete the account in its entirety.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX- Incorrectly reporting as closed by credit grantor. This account was pad in full and closed at my request. I've made multiple written requests for evidence of the account status for which they have not responded. Please update the status to Paid/Closed by consumer or delete the account in its entirety.
Consumer complaint received 2023-05-20
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. (CA)

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions. 

I assure you that missing payments is rare for me. You can check my payment history to see that Ive always made on-time payments. These loans were discharged due to 100 % XXXX and never went into forbearance.
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 — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2023, I opened a new checking account with Truist Bank, online. I created a login and was given access to my account, routing number and account number. I was able to log in without any issue, so I set up my company direct deposit to go into this account. 

A few days later, I tried to login to the account and received an error message stating that my account was locked due to security concerns. A friend of mine had also opened a new account and got the same issue a few days later. 

I called the number provided on the error popup and was told by an agent that they could not unlock my account, that I needed to come into the branch to fix this. This makes absolutely no sense as I have provided all of my personal info, identification, etc. 

I asked to speak to a manager and was put on hold for half an hour, and when the agent picked up, he pretended he couldn't hear me and hung up. I called back again and asked for a manager and was put on hold for another half hour and had to hang up because I have a job and can't sit on the phone with Truist bank all day. 

I believe they want customers to come in to the branch for a sales pitch, or because they want to limit the sign up bonus offer that they have out right now for {$400.00}. To me, this is a bait and switch signup process. They offer a very simple and easy online signup process that is too good to be true, they want customers to come into the branch and if that's true they need to state that upfront and not lie to prospective customers. 

By the way, they have my money and I am unable to access it at this time.
Consumer complaint received 2023-08-01
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: OneMain Finance Corporation (GA)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-08-01
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: CREDIT ACCEPTANCE CORPORATION (GA)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-06-01
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. (MS)

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$31000.00}, XXXX XXXX XXXX  Balance : {$5300.00}, XXXX XXXX XXXX  Balance : {$6000.00}, XXXX XXXX XXXX  Balance : {$1700.00}
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION (CA)

Hi on XX/XX/2023 I noticed two transactions for {$410.00} & {$310.00} for XXXX which was made on my alliant credit union account. My phone and wallet were both stolen from my car and I tried to explain that to the fraud department but I was told the IP address matched so there was nothing they could do.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Reached out to Capital1 asking for an interest rate decrease. I currently have 2 cards with them. I have a good credit score and always make payments on time.

My request was denied. When I asked why I was not eligible they said it was because I didn't meet the criteria. I asked for the criteria. I was told by the agent that they do not have access to the criteria needed for an interest decrease. How am I supposed to play the game if I do not know the rules, and the person representing the company also does not know the rules. 

Interest rate on card 1 ( XX/XX/XXXX ) 26.99 % Interest rate on card 1 ( XX/XX/XXXX ) : 28.49 % Interest rate on card 1 ( XX/XX/XXXX ) : 31.99 % How is that not an " unfair rate increase ''? ( CARD Act of XXXX ) Interest rate on card 2 ( XX/XX/XXXX ) : 29.74 % Both cards ' rates are calculated using the Prime Rate + margin so I don't understand why the rates wouldn't be the same. 

None of my questions were answered. I was never given a reason as to why I was not eligible for an interest decrease, and I was never told what I could do to insure I would one day be eligible for a rate decrease.

My credit score has only increased since opening the accounts, and so I really don't understand.

I have transcripts of my conversation with the Capital 1 Agent that I have attached.

Also, does usury caps protect me from credit card rates? I'm in NJ and there is a usury cap of 30 %. 

Thank you so much, XXXX
Consumer complaint received 2017-05-03
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: AMERICAN EXPRESS COMPANY (NH)

On or around the month of   XX/XX/XXXX 2015  I submitted a request for removal of an authorized user from my american express cards. The transaction was verified to be completed. The authorized user I had added and removed is now threatening litigation because of them not being removed, and  American Express  reporting information in regards to my card on the credit bureau. I have tried to obtain a clear path to send a written request, and they are not answering me with a clear process. I also have requested transcripts of all history of the account and they will not provide it to me. They will not help me with disputing the incorrect information.
Consumer complaint received 2022-10-17
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. (IL)

I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$390.00}
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (LA)

They are saying I am 90 days past due, they are saying I owe XXXX. I made a payment last month. When I got the car repossessed the first time I paid over {$2000.00} to get it out. How did over {$1000.00} in fees get accrued from that time. I paid {$2000.00} XX/XX/XXXX and have been making payments ever since. It seems that the money is not going to the principal or payment that is due. I am under constant threat of repossession and have they have yet to explain what these fees are for. When its said and done I will be paying XXXX for a XXXX car and I wonder where all my payments went if I still owe that much. Something is going on and its isnt right. I am an XXXXXXXX XXXX XXXXXXXX veteran and I feel I am being discriminated against and taken advantage of. This situation is making my conditions worse. Stressing over something that I know isnt right. I seek justice
Consumer complaint received 2023-05-30
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. (VA)

I contacted Experian/ XXXX and did a dispute for a bankruptcy that was reporting in my public records, the bankruptcy is labeled as dismissed for XX/XX/XXXX case XXXX, WHEN THIS CASE WAS NOT DISMISSED IT WAS CLOSED WITHOUT A DISCHARGE. I MAILED THE INFORMATION IN AND IT WAS IGNORED BY EXPERIAN. STATING THAT THE INFORMATION WAS VERIFIED AS ACCURATE, BUT IF IT WAS VERIFIED THEY WOULD HAVE SEEN IT WAS NOT DISMISSED IT WAS CLOSED, DUE TO I HAD JUST RECEIVED A XXXX  XXXX DISCHARGE IN XXXX WHICH THAT IS REPORTING CORRECTLY.
Consumer complaint received 2023-02-02
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. (HI)

Transunion is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by XXXX. These are attached. My account and credit has been compromised.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Equitable Acceptance Corp (NJ)

-they falsified my application ( family size  ) -they m isinformed me about program -they misinformed me about how it would report on my credit ( showing as a credit card maxed out ) -they did not make me aware that they were outsourcing my fees.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

My name is XXXX XXXX, I have been a victim of fraud. Recently this year I was a victim of identity theft as well and I reported it. Recently on XX/XX/2023 someone started stealing my money from me, until XXXX XXXX. In total they took XXXX from me. Everything they bought was from a crypto website, and king soopers. I reported it to my bank ( Wells Fargo ) but they closed the case because someone verified as me. I did try to file a complaint already but it came back as closed. I would like to open this again because I need my money. Ive been trying since XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-28
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.