davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (TX)

See new information supplied. I have made at least 50 complaints regarding XXXX XXXX XXXX XXXX who loaned for a car in my name but was identity theft ; account # XXXX. However there is still misunderstandings. The credit reporting agencies reply with form replies on complaints and have stated " For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. '' There are misunderstandings. The car purchases were identity theft. Credit was given to the thieves using my name. I never had use, benefit, or possession of the two cars. I assisted XXXX XXXX XXXX XXXX is locating and taking possession of the car. I filed the attached identity theft report I filed the attached Sheriff 's report. The thieves were also using stolen cards to make the payments. The thieves were also stealing from my mailbox. Experian and XXXX  need to understand that XXXX XXXX XXXX XXXX will list this complaint as a duplicate complaint again without supplying any explanation, supplying a copy of the credit report pulled in my name, nor has XXXX XXXX XXXX XXXX explained the incomplete credit application that was processed nor have they supplied the permissible permission used to access my credit report. I expect XXXX  and Experian to review the documents and remove the negative listing from my credit report. I intend to file complaints and petitions that my credit report was accessed without my permission and XXXX XXXX XXXX XXXX allowed criminals to purchase a car in my name.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MI)

My Citi bank checking account got closed on XX/XX/XXXX. And Citi bank agent told me that the funds total {$32000.00} in my account would mail to me within 7-10 business days after XX/XX/XXXX. Today it's XX/XX/XXXX, I didn't receive any funds/checks from Citi bank . I called them at least 50 times in these 2 months. The agents told me that check was sent then requested another check twice for me and asked me to wait for the 7-10 days, just keep waiting for it. I asked for the tracking number and they never gave me. So Citi bank is playing the game and won't send me the funds. It's nonreasonable. I complanited to them so many times and they didn't do any further action.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Approximately two years ago our mortgage ( begun in XXXX ) was turned over to " Select Portfolio Servicing, Inc. '' without any forewarning or notification. Our rates began to rise dramatically, from around {$640.00} to over {$1200.00}. At some point we were made aware that the statement contained the remarks : " Bankruptcy Message - Our records show that you are a debtor in bankruptcy or you discharged personally liability for your mortgage in bankruptcy. '' Neither of those statements are true. We did file a chapter XXXX bankruptcy in XXXX, after I was fired from a job for testifying against a supervisor for drug dealing ( for which I sued the employer and was satisfied with the outcome ), but the house was NOT included in the bankruptcy. 
We first became aware of this false remark on the statement when we attempted to apply for a home improvement loan. In XXXX of XXXX the XXXX junction box/meter malfunctioned and overloaded the homes fuse box and wiring and caused a small electrical fire. We contacted XXXX who did their best to hide from us ; our home insurance and a contractor who verified the fault was the XXXX appliance but XXXX and the home insurance offered little to no help. As such, we have been living in a hotel for over a year now unable to get any help from any agency. As stated above our efforts to secure a loan were unsuccessful due to the false remarks on the statement. We have repeatedly contacted Select Portfolio Servicing, Inc. to clarify and remove the remark but to no avail. Since the insurance company XXXX XXXX ) and the mortgage company who selected the insurer were refusing to help, in fact were adding to our problems, we informed SPC that until such time as they would rectify this we would withhold payment. They ignored us. That is until last month when they filled for foreclosure!! We have spoken to over XXXX different law firms most of whom say they don't do " that kind of Law '' (?? ). It appears that ironically our only course of action will be to declare bankruptcy. 
Is there some other recourse for us? We don't want to file bankruptcy but the sale of the house is imminent and we are desperate. Our mortgage company has destroyed our credit and is now trying to take our house. 
Sincerely, XXXX and XXXX XXXX XXXX XXXX New York XXXX 
XXXX, MI XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2021-10-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Harbour Portfolio Advisors, LLC (KY)

Harbor Portfolio XXXX and I, executed an Agreement For Deed ( ( Land Contrat ) t ) on the property at XXXX XXXX XXXX in XXXX, KY XXXX, without my knowledge or consent, this Mortgageor sold the property, for which we had this contract, but continued to receive my payments.
Consumer complaint received 2021-10-26
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: Avadyne Health Holdings, Inc (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} H & R ACCOUNTS INC XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

Navient told me was best to Consolidate my Loans without telling me that it was going to drop my credit score 30 points for consolidating loans thats been on my credit for over 10 years in this hurt me more than help me
Consumer complaint received 2021-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (VA)

I Consumer XXXX entered into a consumer credit transaction with JP Morgan Chase Auto Finance via automotive dealer XXXX XXXX XXXX on the evening of XXXX XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 states that a finance charge is the sum of all charges in a consumer transaction. The finance charge is not supposed to include cash, but XXXX XXXX XXXX in fact insisted that I put a " down payment '' on vehicle, originally asking for {$6000.00} cash for the vehicle, but changed this due to the sales rep stating I would only have to put {$3000.00} cash down, before discussing with the finance manager. XXXX XXXX XXXX took {$3000.00} cash from me on behalf of JP Morgan Chase Auto Finance. Also, the finance charge is supposed to include auto insurance, but XXXX XXXX XXXX made me purchase insurance separately. There was no list shown or given during this consumer credit transaction. Furthermore, After learning I was violated as a Federally Protected Consumer under multiple FDCPA laws, on XX/XX/XXXX I had an Affidavit of Truth, Affidavit of Notary Presentment, Invoice and Exhibits from Contract, notarized and sent to JP Morgan 's registered agent XXXX XXXX of XXXX Texas via certified mail on XXXX XX/XX/XXXX citing the violations against a Federally Protected Consumer in which they know they violated. JP Morgan first Registered Agent mailing address was in a warehouse in which no one signed for the certified mail and was returned to my home. I then took picture of the returned mail, and resent it via certified mail on XXXX XX/XX/XXXX to registered agent Chase Auto Finance, XXXX  XXXX  XXXX  in XXXX texas in which it was signed and delivered XX/XX/XXXX. It has been over 45 days and I have not heard back from JP Morgan Chase Auto Finance. I would like a reply to the delay and remedy due to the violations
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Due the pandemic this policy was canceled and I was still being charged by this company. I have reached out to this company numerous time to have this issue resolved but it still has not. 
XXXX XXXX XXXX XXXX. 
Collection Amount {$2800.00} This inaccurate information is affecting my credit score in a negative way.
Consumer complaint received 2021-10-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (GA)

On or around XX/XX/2020 I applied for a refinance at home point financial corporation, despite having positive income From self employment the loan officer ( XXXX XXXX ) refused to count my income on valid file tax returns. He and his team claimed I did not show liquid assets even though my bank statements totaled XXXX, they chose not to conform to guidelines and rejected my documents. I lost 3 months finding a new lender with higher closing costs and a higher interest rate while I located another lender. Their lending practice was subjective and discriminatory.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX my phone was stolen Im a XXXX XXXX. XX/XX/XXXX My roommate provided me with old phone I went to phone store to get old phone activated so I could call my mom to call insurance on phone. My mom started claim and was able to get me a replacement phone. I called my bank advised of phone being stolen as will as fraudulent charge of XXXX through XXXX XXXX which this was also disputed. I call 2 weeks later to bofa after reporting fraud on my account and was advised claim was put in for all charges I corrected the representative advising only of the XXXX XXXX XXXX. She advised she would update and escalate. 2 more weeks went by I called to see if they needed anything. I provided the replacement phone information, XXXX XXXX dispute and the confirmation of the phone being reported as stolen. I was advised the fraud claim was denied due to not reporting fraud timely when fraud took place XX/XX/XXXX same day I called and reported it to bofa after checking my account balances. I esc to bofa supervisor XXXX who re opened claim for the 4 time and had me resend documents again. I reported and provided all documents its seems Im getting the run around
Consumer complaint received 2023-07-22
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer Services is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the WF GAP insurance on the auto loan should have paid the remaining balance, as promised. Wells Fargo Dealer Services sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away. 

Three years later in XX/XX/XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (LA)

XXXX XXXX XXXX has refused to correct my credit report. They have continually showed 90 days late for the period of 3 years after I filed chapter XXXX bankruptcy. They still show the account as open and will correct the information after repeated disputes. I am currently on the XXXXth dispute with the credit bureau to get this information corrected and they have once again failed to remove the 20 90 days late since getting protection under Chapter XXXX.
Consumer complaint received 2021-10-25
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have file a dispute in regards to my credit concerns with the bureaus and companies.. It has been well over 30 days and I haven't received any results..
Consumer complaint received 2023-07-22
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.
Consumer complaint received 2022-10-30
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. (AL)

walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


XXXX XXXX XXXX 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 2022-10-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Spoke to the financial institution IT Supportaccording to them they are working on the problem but as of this date of filing the complaint has been 5 days. 
My concern is that the financial institution never inform their customers of the website issue. 
. 
Meanwhile I am not able to do any transactions internally to transfer my money. 
I feel that they are not being upfront on what is the problem and cant give a timeline when the issue will be fix. 
Ive been a customer of this financial institution for 14 years. 
This problem has never happened before. 
The transaction is in the Ira Savings section account.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

Today I received a first time notification that my citibank credit card was closed. I've had this account for 33 yrs 7 months and I am not in default with them or any other creditor. I called Citi and they indicated the account was closed for inactivity. I received zero previous notifications from them indicating my account was under review for potential closure. This my oldest credit account and the basis of my credit length. Without this card my credit history shortens by 13 years. I called to complain and the representative indicated they sent me a letter via USPS on XX/XX/XXXX but then closed my account XX/XX/XXXX and then sent me an email on XX/XX/XXXX stating the account is closed. Zero opportunity for me to take any advance action to prevent losing my oldest credit card. The lady and her supervisor both indicated they " could try '' to reinstate my account but to do so would require a hard pull of my credit file. I asked why since I was a customer in good standing on XX/XX/XXXX a hard credit pull was required. They said it's the process. I complained that a hard pull stays on my credit record for 2 years which would cause a lowering of my credit score. I also indicated that since they closed my oldest account without my knowledge that would hit my credit score lowering it even further. I currently have an XXXX score and have been proud to have a score over XXXX for years. Thats about to change dramatically. Both representatives indicated that there was nothing they could do. I asked for the supervisors supervisor to call and she said it would be up to two days for the return call. So the damage is done. Citi will report the card closed. I could take a chance they " might '' reopen the account with a hard credit pull and both actions will lower my score for months if not years to come. I believe citi acted in bad faith by not advising me about their review until after the fact and feel some action needs to be taken against citi to fix my issue and prevent this from happening to anyone else.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have a business card with Capital One and have for several years I have never missed a payment and it's the largest expense I have right now. When COVID hit like most small businesses we were impacted drastically and immediately contacted our creditors. I will say Capital One was great with deferring payments on the account when we were not able to pay it. I contacted them several times to try to get a smaller payment than the {$2000.00} a month on the high APR account. Every time I was asked numerous questions and then told they couldn't help me. I understand they can no longer defer payments but the deferment just caused me to be way over the credit limit and made a bad situation worse. I only want to close the account and repay the balance at a lower APR and lower monthly payment that does not seem unreasonable. Currently I'm not late past 30 days and I am trying to salvage my credit the only suggestion they gave me is to go to a debt settlement or consumer counseling program which will trash my credit and tell me to stop making payments to my creditors. This is not helpful and I really can't believe that is the only suggestion or assistance that Capital One would offer to a customer that is wanting and willing to payback the debt.