davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (NC)

THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM REGIONAL ACCEPTANCE RECOVERY. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : REGIONAL ACCEPTANCE RECOVERY XXXX
Consumer complaint received 2020-12-31
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. (NC)

THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX  XXXX,
Consumer complaint received 2020-12-31
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. (NC)

THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX  XXXX,
Consumer complaint received 2021-08-27
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. (TX)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. SYXXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-12-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I went to refinance my mortgage with Cardinal Financial Company in XX/XX/2020. Even though the process was started, I decided not to refinance with them. However, I continued making my monthly mortgage payments on time. When I decided in late XXXX to refinance with another mortgage company, I was informed my property taxes had not been payed. The new company sent of the Tax Assessment on XX/XX/XXXX and not only was the taxes not paid incurred a penalty fee because the due date had passed. I called Cardinal on XX/XX/XXXX and was unable to speak to anyone regarding escrow account. I called again on XX/XX/XXXX. The customer service rep did not know why my property taxes were not paid even though I was making my monthly payments on time and had not closed on a refinance. I end up owing the State of California {$7000.00} to include penalty fees.
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I went to a buy here pay here car lot by the name of XXXX XXXX. The price on the window was {$7000.00} for a XXXX XXXX XXXX. I put down {$3000.00} cash and that {$4000.00} left. I was told my payment would be {$310.00} a month, I paid on time every month. One day I go to make my payments and the buy here pay here is gone out of business. I called the number I had and the lady told me I would receive a payment booklet in the mail and it will have where to send my payments. About 2 weeks later I received a payment coupon book from Credit Acceptance. In the book it had my correct payment amount {$310.00} and where to send it. I was paying but I started getting late payments because I was mailing them in. I called and the guy gave me the website to make payments online. This is where the trouble started. I made my online account and saw that the {$4000.00} I originally owed turned into {$18000.00}! I called and they told me they bought my loan and this is what I owe. The buy here pay here lot sold my account to a Dealership Predators, they told me I had to pay thay amout or they was coming to repossess my car. I tried talking to them, showing them my originally agreement and they told me that they had nothing to fo with that and this was the new amount that they have now. Credit Accetance is a Loan Predator! A total rip off. They took my car and my money! I didn't agree to their loan or sign any paperwork with them. My agreement is with XXXX XXXX
Consumer complaint received 2021-08-28
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. (GA)

XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on XXXX  different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called XXXX US dept of education and I was informed they they are not showing negative, but they are showing negative. 

XXXX. XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (TX)

I have a coamerica bank account which I was not very clear about the terms and conditions. They charged me some fees - one after the other without calling me or sending me any email or mail. 
I would like unreasonable {$25.00} fees to be waived off and account to be closed.
Consumer complaint received 2021-08-28
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. (OK)

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2021-08-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Equifax XXXX  XXXX is not complying with my dispute requested i sent them a letter on XX/XX/2021 and XX/XX/2021 my first initial dispute i havent heard back from them it been 30days and on the XX/XX/2021 i send them 30 day demand to comply and they still have not responded
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

Nelnet Student Loans XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on 2 different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called Nelnet/ US dept of education and I was informed they they are not showing negative, but they are showing negative. 

XXXX XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

Rocket Mortgage changed a fee that was disclosed on XX/XX/XXXX, which I signed, and raised it by over {$4500.00} on XX/XX/XXXX, which was XXXX weeks before my closing date. Also, our commitment was scheduled to expire on XX/XX/XXXX. How can you change a fee before a commitment expires? 

This was predatory because if I didn't pay the fee, we were to far into the process to get a different loan. We made a commitment on the XXXX to only use Rocket for financing. 

Mortgage rates were at all time lows when we applied and during the entire process. Both applicants on this mortgage had no changes in credit, income or any status, that would justify changing the fee. 

Please see the attached documents for dates and only the document on the XXXX was signed electronically.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Bankruptcy Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. 

I personally contacted the Bankruptcy court to get some information they dont even have any of my information so how could you Report this on my credit. You guys should fined and prosecuted reporting false inaccurate information is against the law & against my rights.
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

I sent a disputed later XX/XX/20 asking for a verification to validate the debt they claim I owe {$240.00} .... They sent me a letter stating I still owe them the debt but there were no evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay convergent outsourcing company.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a payment in XX/XX/2020 for Captial one. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact capital one to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXXXXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I did a balance transfer with BJs/XXXX  XXXX  for the amount of {$1300.00} they should have sent the money to XXXX XXXX and XXXX  never received it and I never received the funds I have tried to get them to send me pictures front and back of the check but they keep giving me excuses I have been dealing with this for a hole year trying to get this resolved please help I have what ever more information you need
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (IA)

XXXX has already removed the XXXX XXXX XXXX account due to identity theft since i sent in all the legal required documents. You MUST REMOVE IT AS WELL. YOU ARE PAST 4 DAYS SINCE RECEIPT TO REMOVE IT
Consumer complaint received 2024-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I have student loans and Mohela is my student loan servicer. During the pandemic, student loans were placed in forbearance where payments were not required. At this time I was also enrolled in a employee-sponsored loan repayment program that continued to make payments on my loans- there was not flexibility in the program to pause payments, and I had to either remain in or withdraw from the program. 

I learned recently on a phone call with Mohela that there was an opportunity to request a refund for payments made during the forbearance period, however those requests had to be made by XX/XX/2023. In reviewing all of my communication from Mohela in the months leading up to this date - emails and messages through my loan portal - I was never made aware that I could request a refund. I feel that this represents negligence by Mohela. I have filed a complaint with the Department of Education and also wanted to file a complaint with the CFPB.
Consumer complaint received 2021-08-27
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. (FL)

I have been trying to get a hold of Equifax FOR MONTHS!! I am a victim of identity theft a few times and submitted the documentation to them and tried to call. Every time I call the automated response tells me I can't be verified! I know my address and if I can get past that the questions they ask me about my credit report they say I got wrong as well! I know where I bought my car ( the lender and how much I pay for it ). I am trying to buy a home and I have been trying to get this and the inconsistencies on my report fixed Since XX/XX/2021!!! I have not gotten a response from them at all! 

As far as the accounts in question I have not gotten any response from the accounts for the inquiries and I get generic letters from the accounts that need the payments corrected to contact the bureaus. I have followed up with XXXX  & XXXX  and they complied graciously.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-28
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. (OK)

I previously mailed the attached letter below on XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-09
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: CCS Financial Services, Inc. (FL)

Credit Collection Services is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX  ),
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (SC)

On Tuesday, XX/XX/2023, Chime informed me that my account would be closed on XX/XX/2023 and that a check for any remaining balance would be mailed within thirty ( 30 ) days of XX/XX/2023 to the address that they had on file for me. No explanation of account closure was given besides a claim that I exhibited activity that violated the terms of the Deposit Account Agreement which I read and saw no violation on my part. Today, XX/XX/2023 at XXXX, I contacted them to inform them that a customer service rep told me I was being sent a new card but also that my account was scheduled to close which it did. I asked for a status update on when my funds that were remaining in my account would be mailed and they responded saying quote The account will be closed on and is not eligible for a refund. After this email, I submitted an appeal and havent heard anything since. The total amount in my account upon closing was {$43000.00} and I need my money.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of successful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. According to the 15 U.S.C 1681 Law there should be no damages on my report, considered that as a defamation to my character. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.