davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX, me and Captial One Auto Loan coming up with a settlement on my auto loan that I volunteered to turn in my XXXX XXXX XXXX XXXX in XX/XX/XXXX, due to me suffering a XXXX XXXX on XXXX and on XX/XX/XXXX I suffered a major widow maker XXXX XXXX which my XXXX was closed 100 % then I suffered another XXXX XXXX on XXXX XXXX. Captial one refused to help me so I volunteered turn my truck in. 
XXXX XXXX I tried logging in to pay my monthly settlement amount but when I tried updating my new phone number I denied access, then this morning on XX/XX/XXXX I called Captial one to try to gain access to account and I was denied again and kept being transferred to different people and they all said I was denied because my phone number was not in my name and I advised my phone number is registered to the co-signer on the loan and its been like that since XXXX and every since I had dealings with Captial one and I advised them I will not be giving my bank account information to nobody especially if I cant see where my money was going.. When the co-signer got off work I had her to Captial one to help me gain access to my account so I can pay my monthly settlement amount we was on the nearly two hours, and while the co-signer was on the phone with themI signed into my Captial one app, I was allowed to change my phone number and update my bank information, CAPTIAL ONE ENDED UP VIOLATING MY CONSUMERS RIGHT AND THE XXXX AND BRENCHED MY PERSONAL ACCOUNT INFORMATION BY APPLYING ALL MY BANK ACCOUNT INFORMATION TO THE CO-SIGNER ACCOUNTS WITH CAPTIAL ONE AND GIVE ACCESS TO PAY HER BILLS WITH CAPTIAL ONE WITH MY XXXX XXXX XXXX XXXX ACCOUNTI HAVE PROOF OF THIS AND THESE ARE THE NUMBERS I CALLED FROM XXXX XXXX XXXX and XXXX XXXX XXXX.THIS IS Retaliation from me filing against them in XXXX of XXXXALSO WE WAS TRANSFERRED TO THE FRAUD DEPARTMENT OF XXXX XXXX TODAY
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

Once again, XXXX is reporting incorrect negative credit information regarding my mortgage with Discover Home Loan. They are stating we have been late for XXXX XXXX and XXXX, which I have consistently paid before the required date. There is a grace period which I have not gone past. Obviously no-one is going to pay their loan exactly on the XXXX of the month, and I am getting fed up with this consistently happening with Discover, who happens to be my second loan lender. My Primary lender, whom I have been paying the same time each month never seems to show up as a derogatory report. this is totally unfair and is affecting my ability to apply for new loans. I want this to stop. Past last fees should not be included as late payments, especially since we have been paying then off a little at a time. This is totally uncalled for. This loan in the amount of {$67000.00} is not even a quarter of the value of the home. This seems to be an attempt to punish us for past complaints we have filed with both Discover and XXXX.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

Got a letter from JP Morgan Chase that said that there was a credit card application that was filed and they wanted to verify that it was me who filed it. I never filed for a credit card, so called JPM and closed that application permanently. Also called XXXX and disputed the credit inquiry, put in a fraud alert for a year so any new credit inquiries will require more steps. Trying to subscribe for a credit monitoring service which seems currently frozen, so will wait a few days and enroll.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

All bureaus have most of my old addresses on them not just my current one. I have tried to remedy this online and get the message to call in. I then call and wait on extremely long holds, or get transferred around and another time was told to print a request form and mail it in. They don't make the process easy or quick. Credit repair can be a lengthy process and getting the run around by the bureaus just isn't fair.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (NJ)

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or I will be seeking litigation.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been trying to remove a credit freeze from my Transunion credit file. I tried doing it online but the system said there was an issue. I tried called and I was referred back to doing it online. Next, I sent a letter on XX/XX/2021, asking Transunion to permanently remove the credit from my profile with no response. I sent another letter on XX/XX/2021, and still no response.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2020, I opened a new Capital One 360 checking account which had a public advertisement claiming that I would earn a {$400.00} bonus if I complete " at least 2 direct deposits totaling {$1000.00} or more to [ my ] 360 Checking account within 60 days of account opening. '' However, even after I have completed the above requirements and waited more than six months, I still don't see the bonus showing up in my account. 
I am very confused.
Consumer complaint received 2021-07-28
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. (FL)

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transactions done by myself. I have attached the FTC report along with my drivers license
Consumer complaint received 2021-07-28
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. (TX)

i disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XXXX XXXX and the other show XXXX XXXX this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete
Consumer complaint received 2021-07-28
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. (TX)

i disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XXXX XXXX and the other show XXXX XXXX this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I submitted a payment of {$380.00} on XX/XX/XXXX using my XXXX XXXX  account with a customer service rep over the phone ( attached ). The rep verified that the transaction was successful and even provided me with a verification number. TFS sent me an email on XX/XX/XXXX confirming the payment was received ( attached ). 

However, on XX/XX/XXXX, about two weeks later, I received an email advising me that there was an issue with my TFS account. Upon making the phone call I discovered the payment I made on XX/XX/XXXX, with a rep on the phone, who confirmed it was received, was actually returned days later. It was interesting to me because I have about XXXX in the account that I used so there's no reason that it should have been returned. I've attached my entire barclays account details showing there was sufficient funds in the account at the time of the transaction. I even spoke with a rep on XX/XX/XXXX who said they can not find a reason as to why the payment returned. The rep I spoke to on XX/XX/XXXX when I made the payment was able to determine that the account came from XXXX XXXX account without me telling him, so it could not be account info I provided. 

I'm disgusted at this company 's XXXX of ability to inform me that the payment was not received right away. And then incompetent 2 reps had the audacity to tell me that today that a payment processing center such as TFS is unable advise customers if a payment was returned ... yet you all are a PYAMENT PROCESSING CENTER. It's absolutely ridiculous and financially abusive. Additionally, it's a complete lie made up by reps that lack enough empathy to thoroughly do their job correctly. I've attached an email from TFS from XX/XX/XXXX where they were able to advise me via email that my payment was returned, so there SHOULD BE NO EXCUSE as to why they were unable to tell me or any customer that a payment- especially one that was verbally confirmed to be received on a recorded line- was actually returned to my bank days later. 

Additionally, a rep confirmed that I my payment was reported to the credit bureaus as delinquent. I'm disputing this matter based on the fact that TFS deliberately made it a point to not advise me that my payment was returned, especially when they seemed to have enough sense to do so in the past. I'm facing financial hardship from being affected from covid and to make it worse, TFS 's automated system is currently warning customers that there's an issue with TFS payment processing. If you all are aware that there is a systemic issue, aware that I submitted a payment that was returned and forgot to advise me so I can make a another payment right away and avoid being negatively reported to the credit bureaus, then there should be no reason why this payment was reported as delinquent to the credit agencies. Please correct the credit reporting of my payment and adjust my payment receipt date ASAP.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CO)

I recently sent a cease and desist on XX/XX/2021 to CREDIT MANAGEMENT LP regarding an alleged obligation that I do not owe that they falsely reported on my consumer report. This is the second time that CREDIT MANAGEMENT LP is falsely reporting a debt that I do not owe and does not belong to me on my consumer credit report. As the result of CREDIT MANAGEMENT LP falsely reporting on my consumer credit report, CREDIT MANAGEMENT LP failed to follow 15 USC 1592c ( a ) and committed an individual action against me because CREDIT MANAGEMENT LP did not get my prior written consent to communicated with me the consumer with connection of a debt. CREDIT MANAGEMENT LP also failed to follow 15 USC 1592g as CREDIT MANAGEMENT LP failed to provide me a written notice containing the five requirements under the subchapter of 15 USC 1692g Within five days after the initial communication.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BBVA FINANCIAL CORPORATION (TX)

harassing family members, my wife and daughter, on separate phone calls, their private numbers, with lean against our home to obtain personal information. I called to try to discuss and they hung up on me, responding they didn't have to give me information and I obviously wasn't going to pay so they are just going to file a judgment.
Consumer complaint received 2021-08-02
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXX : XXXX and XXXX : XXXX The unauthorized accounts, reported through XXXX, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

This happened back in 2020 so dates are a little fuzzy but I started my account at wells Fargo in XX/XX/2020 to receive my income tax return. They actually held the direct deposit for 5 days because " it was too large ''. They did this multiple times and eventually closed my account. I don't know why by by XXXX of 2020 I didn't have an account and they won't even tell me where my money went
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

I submitted a CLAIM with chime and they are required to give you your money back after 90 days which its going on 100 and they want to keep lying saying they escalated the case or whatever and cant give me my money back until then if your app says a certain amount of days and its in your policy you are required to do so by then not after not when you please because your lazy and dont want to do your job. Ive called over 30 times regarding it and they say the same thing each time the managers are unprofessional and useless because they give you the same information as a entry level person they also lost my taxes or never got the deposit yet Ive had multiple payments sent to that account before and all of a sudden they dont receive anything. The managers dont try to help theyre rude as XXXX and unprofessional as XXXX and keep wanting me to wait 3 business days yet Ive been told that for 2 weeks and still have not received my money back.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

So I was staying with a family for sometime and while trying to get back on to my feet my social security card and information was used with out me knowing and took out a couple of credit cards I believe one for kohls and capital one I had already had these disputed but for some reason they keep showing up on my credit how can I make sure that this account that was opened fraudulently is closed and not used against me?
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

I used Ally Financial for a vehicle loan. I sent in my payments every month by check after they locked me out of the user portal after missing one payment two years ago. Nobody would get back to me, nobody would unlock my portal, so i continued to pay it as i should yet they said because i was late on one payment, that the rest of my payments were a month behind. I paid every month on time except that one payment and then to try and make it better, i even paid off the vehicle several months early. All i got for my effort was them ignoring my attempt at contact and putting a 30 day late mark on my credit report every month for over a year. Now i do not qualify for a loan because of all the late pays even though Ally got theirs, i am stuck renting because of all the fraudulent late pays on my credit report.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/XXXX I returned the leased XXXX XXXX XXXX to XXXX XXXX location on XXXX XXXX XXXX XXXX Florida with required Vehicle Condition Report and was provided at end of visit form named Nissan Motor Acceptance ( NMAC ) /Infiniti Financial Service ( IFS ) Vehicle Return Receipt and Odometer Statement ( dated XX/XX/XXXX attached ). I was under the impression that IFS would remove the open status on all 3 Credit Reporting Agencies to a returned/closed status with balance. Today XX/XX/XXXX XXXX Credit Reporting summary is open with incorrect balance {$7400.00} under NMAC/IFS instead of collection status under their hired third party collection agency named XXXX XXXX XXXX ( XXXX ). I have submitted disputes to IFS Credit Bureau Mgmt Team as requested with my findings to include my financial institutions which are XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX bank statements of their posted payments ( attached ). I have disputed that my account status be updated to closed/with updated balance numerous times through XXXX Credit Agency ( attached XXXX screen shot ). But to much dismay, NMAC/IFS continues to insist account resolved by creditor without any change to remove the monthly billing {$820.00} that they show open account status with those green dots which reflects I'm in good standing with them, even as reports by NMAC/IFS since XX/XX/XXXX ( see attached XX/XX/XXXX XXXX Report ). The mistake prevented me on several occasions to be declined for re-finance and the third party collection agency XXXX name does not appear under collection column of the Credir Reporting Agencies. I did receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX which states they are allowing me 30 days to receive and review enclosed documents, at which time they XXXX intend to resume collection activities ( attached ).
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Submitted dispute with proof to have error removed from my report and its still there. Even though the company who originally caused the error sent proof that debt is not mine
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I HAVE AN OVERAGE OF {$4200.00} IN MY MORTGAGE ESCROW ACCOUNT. MY MORTGAGE IS HELD AT DITECH. I HAVE REQUESTED MY REFUND THREE TIMES SINCE RECEIVING THEIR ACKNOWLEDGMENT AFFIRMING MY OVERAGE IN WRITING ON XX/XX/2019. THEIR FIRST REPRESENTATIVE PROMISED ME THE CHECK WAS ALREADY IN THE MAIL. THE SECOND REPRESENTATIVE TOLD ME THE OVERAGE WAS NOT OWED BACK TO ME. THE THIRD, A SUPERVISOR TOLD ME DITECHS POLICY IS TO KEEP OVERAGES AND LABEL THEM AS PART OF MY ESCROW RESERVE. I EXPLAINED THAT THEY CAN LEGALLY ONLY HOLD UP TO TWO MONTHS OF MY INSURANCE AND PROPERTY TAX BILLINGS BUT MUST OTHERWISE RETURN MY OVERAGE. THE SUPERVISOR TOLD ME KEEPING OVERAGES IS DITECHS POLICY AND I COULD FILE A COMPLAINT IF I DONT LIKE THAT ANSWER. I WILL DO THAT AND ALSO REPORT THEM TO THE CALIFORNIA BRE, DRE AND THE FDIC. I AM JUST GETTING STARTED HERE.
Consumer complaint received 2021-07-28
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. (TX)

i disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XX/XX/XXXX and the other show XX/XX/XXXX. this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete