davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I sent this agency a letter to validate an alleged debt of {$96.00}. I was NOT provided with the documents I requested from them to validate the debt. Since they have not supplied the demanded proof of the alleged debt, my presumption that no proof of the alleged debt, nor therefore any such debt, in fact exists. Under the Fair Debt Collection Practices Act, they are required to respond to my request for validation within 30 days of receipt of my communication. However, the debt has not been validated. Under both State and Federal consumer law I have the right to have this debt validated, and they are obligated to respond within the statutory time limit. I have also asked the agency to stop reporting to the credit bureaus until the debt is verified, however they ignored my request and continued reporting to the credit bureaus which negatively impact my credit score. This agency must cease any credit reporting actions immediately.
Consumer complaint received 2020-03-12
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. (GA)

I disputed XXXX XXXX  account number XXXX XXX in XXXX and XX/XX/2020 with XXXX   and Transunion credit reporting agency to verify that this account belongs to me and I also requested their method of Investigation. I also sent a request for validation letters to the collection agency and received no response from them. Transunion and XXXX  dispute results stated that this account has been verified but how is this possible when I received nothing from the collection agency with my signature verify that this account belongs to me and how is credit reporting agencies Transunion and XXXX  had received anything from this collection agency showing proof of verification I have not received anything. I would like these credit reporting agencies to do a complete investigation
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report. Per 15 USC 1666b a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Please update the payment history as PAANL status ( Paid as Agreed Never Late ).
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (SC)

XX/XX/21 - {$2800.00} auto drafted from account ( {$1100.00} over set mortgage payment ) XX/XX/21 - Called customer service, was not given an explanation, told that they would " look in to it '' XX/XX/21 - return call from customer service to let me know that case was opened and refund was processing. 
XX/XX/21, no refund pending, called customer service. Issue was blamed on a state of SC tax error and escrow account, no solution or ETA of refund offered. 
XX/XX/21 - called customer service again, no progress on refund. Was told it had not been processed. Asked to place limit on auto-draft at set mortgage payment, was told this was not possible. Asked for email documentation of my requests, was told this could not be provided. 
XXXX- called customer service again, refund has not been processed. Asked to remove escrow from auto-draft to track taxes on my own. Was told this would be a {$700.00} fee to amend the account.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (AZ)

never gave CPS consent to run my credit, Never signed, gave verbal consent, never heard of the company. you said " the inquiry was a result of a digital credit application received on XXXX from XXXX XXXX XXXX. 

your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ROYAL UNITED MORTGAGE LLC (FL)

We entered into a refinance agreement with Royal United Mortgage on XX/XX/XXXX. Our Loan Advisor ( XXXX XXXX ID # XXXX ) promised a Cash Out of {$7400.00} one of the conditions requested by us in order to continue negotiation. As of today we have only received {$2300.00} and {$2000.00} for a total of {$4300.00}.

For four or five occasion we had reach out to Mr. XXXX via telephone and message with no luck. 

Last time we spoke with Mr. XXXX ( XX/XX/XXXX ) he indicated that this was a mistake incurred by his company and he will call us back to resolve the situation. 

We would appreciate if you can assist us with his situation. 



XXXX XXXX XXXX XXXX XXXX LOAN NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GUARANTEED RATE INC. (PA)

XXXX XXXX also known as Guaranteed : XXXX XXXX / Regional Manager/SVP of Mortgage Lending / XXXX / www.rate.com/XXXX  / wk/cell : XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX NMLS ID : XXXX Puled a hard credit inquiry on me without my consent or knowledge in the hopes he could convince me to refinance my mortgage, This practice is fraudulent and unacceptable.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report. Per 15 USC 1666b a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Please update the payment history as XXXX  status ( Paid as Agreed Never Late ).
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

I had a secured card with this company since XXXX. I had never had an issue with thin in the 5 & a half years of being a customer. I recently noticed that there were 2 late payments in my account for ( XX/XX/XXXX, & XX/XX/XXXX ). I was diagnosed with XXXX ; & was unable to work due to my preexisting conditions, coupled with XXXX made me bed ridden. That is why I fell short of making those 2 payments. I disputed the late payments ; only for this company to add 1 more late payment to my account ( an entire year after I closed the card with a XXXX balance, & 5 years after that first late payment ). 
I do not owe them, & what went from 2 late payments ; is now reflecting 3! I ask that the late payments all be removed for inaccuracy. I was a member in XXXX, of XXXX ; & personally spoke to a representative that removed that late payment while I was on the call. So, why add the late payment back 5 years after it was removed to hurt my credit? I am currently battling king XXXX? & XXXX XXXX I need these removed to get into transitional housing as I am homeless with XXXX kids. Please, Thank you
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent multiple letters about the inaccurate information reporting on my credit profile after pulling it to review alerts I've received from credit monitoring. I've researched on the company site on how to dispute the information and I followed the process. The inaccurate information has not been removed, I have not been responded to, and I sent letters over XXXXdays ago. I am now demanding that this is made a priority on getting this inaccurate information removed from my credit profile.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (OK)

I received a Citi rewards card in the mail that was applied for with my name and information on XX/XX/2020. The card was received by me on XX/XX/2020. I called the credit card company to inquire as to why I received a credit card and reported to them that the application was done under fraudulent circumstances. They informed me they would cancel the credit card and open a credit fraud case.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

I have been trying to get my info from equifax for a couple months now. I have mailed them the requested docs, sent them email, waited on hold for hours, etc. They are totally non-cooperative. Truly a horrible company for the consumer to have to work with. I find the other credit reporting companies do not have equifax 's problems.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I am a XXXX. I received a solicitation from Chase Bank to apply for their business ink card. I was tantalized by a promotion in which spending {$7500.00} will result in a reward redeemable for {$750.00}. 

I don't have a separate business entity - the income gets taxed with my personal income. 

I clarified my position with the bank before applying. 

I apply and receive an email asking me to provide documents that verify my place of business and tax status ( else the application will be denied ). I call back and clarify that I can use a driver 's license. social security card. 

They send me another email saying that what I sent was illegible and/or invalid. 

I call to clarify. They tell me that since I put as the business name " <my name> - XXXX '', I need to provide documents that include " -XXXX  ''. If I don't the application will be denied. As a small XXXX without an official business name, I do not have these. The refused to allow me to amend my application and advised me that if I apply again within 30 days, I will be denied again because my new application would defer to my old one. They refused to allow me to rescind my application. This policy harms my ability to acquire credit because number of credit application and number of credit denials go on credit reports. 

My application reference number is XXXX
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CT)

We got a car loan from ally bank and now I have issues with my credit due to late payments and a repossession because of ally .we made our payments sometimes weekly or payment plans but would get letters saying it was going to be repossessed due to non payment and multiple times the payments we made towards our monthly payment was applied to the interest payment so we would be behind on our car payment .we also had my car repossessed without warning .almost ever phone call we made to ally we had to speak to a manager .they were the rudest company er have ever dealt with and they never had any of the previous calls on file that we complained about. Now our credit report has missed payment history due to ally financial
Consumer complaint received 2023-01-16
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (VA)

This is a follow up to complaint # XXXX on credit card # XXXX issued by US Bank, where it was earlier stated and declared CLOSED. The company has failed to clarify the {$82.00} charge and the unresolved mail delays due to COVID with unreasonable fees and charges of {$300.00}. On several occasions I have tried to call a XXXX who had addressed the letter dated XX/XX/2021 but received only on XX/XX/2021. This person had no stated last name considering this is a formal letter with copy furnished to the Consumer Financial Protection Bureau. As stated the letter came from the company 's XXXX XXXX XXXX with a given telephone # XXXX. The answering Customer Service person DOES NOT KNOW OR RECOGNIZE the " XXXX XXXX XXXX '' under the Office of the President '' and I was bounced off to several sections of the bank, This situation has waisted so much of my time and caused me anxiety, raising my XXXX XXXX to medically unacceptable levels. To end this UNFAIR practices of some credit card companies, I am sending a fair 50 % of the fees to permanently close this account. Thank you.
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Everyday. I get XXXX phone calls from comenity bank. They call from all different numbers so I can't block them. They leave voicemails each time. My voicemail becomes full from all their phone calls. They start calling by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everyday. I was out of work for some time end of last year and couldn't keep up with all my minimum payments on my credit cards and I'm currently not working and about to move out of state and these phone calls are insane. The amount of them. They call sometimes 4 times in a row.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I initially filed a dispute because I was dissatisfied with the merchants service. I cancelled my account with them and asked for a refund to which they replied it is nonrefundable. I filed thr dispute at the end of XXXX of this year. They were filed as separate claims for each transaction even though it was the same merchant. I kept having to go back and forth with the claims department due to the disorganization of the claims. They accepted two of my claims and then denied the rest, even though it was for the exact same thing with the exact same merchant. Their ultimate reasoning was that they don't interfere in gambling transactions. So I filed an appeal because it wasn't a gambling transaction. I gave them the relevant parts of the websites terms and conditions showing that it was a sweepstakes and gaming site. One agent in the claims department apologized to me saying they didn't handle the case properly and that he would escalate the appeal and that the merchants response was not strong so I should win the cases. That wasn't the case. I got an email today saying that they are still not going to help me with the my claim because they don't deal with gambling charges. So despite me showing and proving to them that it's a sweepstakes site. They took the easy way out and refused to do anything about it. What confuses me is that two of claims out of the XXXX are actually being disputed, why they couldn't work on the other ones is unclear to me since it's all the same merchant. Additionally it is illegal to gamble online in most states and I'm not in one of the states that allows online gambling anyway, so even if I wanted to gamble I couldn't. They are accusing me of lying saying it's a gambling site when the sites own terms and conditions show it's sweepstakes and games and that you can get free entries to the sweepstakes mailing requests in, no purchase necessary. That's not how gambling sites work. I am extremely upset because I've been working with them for over two months now and it's not even on chump change. One person says one thing and gets my hopes up then they deny it. This has happened like 3 times. I've been a customer with them for 11 years now and they won't even help me with something like this.
Consumer complaint received 2021-03-16
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. (TX)

Account NameXXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX -- Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusPaid, Closed. {$60.00} written off. 
Status UpdatedMar XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX -- -- Account XXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedApr XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX5 StatusPaid, Closed. 
Status UpdatedNov XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$500.00} written off. {$500.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX -- -- Account NameXXXX XXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusTransferred, closed. {$800.00} written off. 
Status UpdatedXXXX XXXX -- - Account NameXXXX XXXX XXXX XXXX XXXX Account XXXX Account TypeXXXX XXXX XXXXIndividual Date OpenedXXXX  StatusOpen. {$4500.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX -- Account XXXX, XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXXXXXX StatusCollection account. 
Status UpdatedXXXX XXXXXXXX -- - Account NameXXXX XXXX  Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$950.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX -- Account NameXXXX XXXXXXXX Account XXXX Account TypeCell Phone ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX ******please remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ******please remove all inaccuracies above and incorrect data above not mine, FCRA violation
Consumer complaint received 2021-03-16
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. (MO)

I have an account with XXXX XXXX XXXX XXXX XXXX account number ending with XXXX ). 

This had been a reposession that was redeemed. This account has a current pay history since redemption ( I have attached a pay history from XXXX XXXX ). 

XXXX  XXXX is reporting the correct status of " current '' because it is updated on at least XXXX of my other bureaus. But this bureau still has the account listed with a present status of " repossession '' without my current pay history. 

I have disputed this with this bureau and they have left the status the same. This is a violation of my federal rights under the FCRA.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX  Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).