davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Hi my name is XXXX XXXX I need help with some updates on my profile Im writing this notice because Ive been paying my cards on time I have came across something interesting I'm requesting you provide me with proof of this alleged payment being late. XXXX XXXX XXXX  Date XX/XX/year> If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above I have recently reviewed my credit report and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers XXXX XXXX XXXX XXXX account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights.

The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly Accitionally according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subiect to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. In light of this, I kindly request the removal of the late payments from my consumer report, as they may be in violation of 15 USC {$1600.00}. Ilook forward to your prompt attention to this matter and a timely resolution.
Consumer complaint received 2022-04-13
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)

in accordance with the fair credit reporting act XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment. 
on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX XXXX, a consumer, am submitting this complaint on my behalf, there is no third party involved. I logged on to review my Transunion credit report to find multiple inquiries that I did not authorize. I understand that federal law XXXX XXXX XXXX ( a ) states written consent is needed for these inquires to be furnished which there was none. No consent is identity theft.
Consumer complaint received 2019-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (SC)

In XX/XX/2019 my vehicle was repossessed by Chase bank. I offered to pay restitution but they took the vehicle. I attempted to contact someone to speak with me EVERYDAY for 2 weeks, even contacting the main offices in NYC. No one would help. They stated that I had been 5 months behind. I knew for sure I was not. No one would work with me despite the fact that for almost 20 years I had car loans with them and had NEVER been late on payments. After two weeks of begging, pleading, and offering partial payment, Chase remained cold and inhuman. They would repeatedly put me on hold and leave me there until I hung up. They talk to me like I wasn't a human being. They wouldn't work with me they wouldn't do anything to help. They would not release the vehicle without full loan payoff. I had to basically sell everything in order to get my car before they threatened to sell it. After I got my car back, paying IN FULL the rest of the loan, I found the letter in which they gave me a grace period of 2 months to pay on my loan. During the conversations with the bank, they vehemently denied ever granting this. The loan was actually less than 60 days late payments. The pain and suffering caused was immense and the car legally should never have been repossessed. I was thoroughly disgusted with their lack of customer service. This was nothing short of inhuman behavior and complete big bank mentality.
Consumer complaint received 2017-05-26
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: NAVY FEDERAL CREDIT UNION (CT)

Navy Federal  is reporting to  XXXX  that I 'm late In  XXXX  and   XXXX   XXXX   on a line of credit that was opened in   XXXX   XXXX     XXXX  by   XXXX   XXXX   I did not know  XXXX ,   XXXX   XXXX  , I never signed for a line of credit, I met  XXXX    XXXX   XXXX   XXXX   and much later on became a user on his account. I have called and also disputed this online and sent a fax on  XX/XX/XXXX  and they refuse to remove it.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

I made my XXXX mortgage payment early in XXXX. The mortgage company 's website said my next payment was due in XXXX and showed the next automatic debit scheduled for XXXX XXXX. 
On XXXX XXXX the mortgage company debited my account. I called Customer Service on XXXX XXXX in the afternoon and requested a refund -- I then emailed Customer Service requesting the refund with a screen print of my bank account showing their debit. I was told that a refund would take XXXX business days. 
On XXXX XXXX ( 2 weeks later ) I called Customer Service again. No action had been taken regarding my refund! Customer Service said they would speak to management and expedite the refund. 
On XXXX XXXX ( 1 week later ) I called Customer Service again. They said a paper check had been put in the mail on XXXX XXXX, and I should expect it within 5-7 business days. 
My Problems : 1 ) The website is not accurate and customer service is not aware of it. 
2 ) Customer Service was unresponsive for 2 weeks on the refund. 
3 ) Zero communication from the mortgage company about the refund. 
4 ) Refund is not in-kind -- they took my money by direct debit, but then refund by check which will take 5-7 business days to arrive and then multiple days to clear my bank account. Meanwhile my next payment is due in 4 business days.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I received my paper monthly credit card statement for my XXXX  XXXX XXXX XXXX   XXXX credit card managed by Bank of America. Included with the statement was an empty payment coupon to facilitate payment on my account. NO WHERE ON THIS STATEMENT OR COUPON DID IT SHOW THAT I HAVE AUTOPAY TURNED ON FOR THIS ACCOUNT. 

I then went to the Bank of America on-line website to verify my autopay status. On the initial web page after log-on I was once again reminded of my outstanding balance and due date, with a flagged message that a payment for the account was due. AGAIN, NO WHERE ON THIS INITIAL ACCOUNT ACTIVITY PAGE WAS THERE AN INDICATION OF AUTOPAY STATUS BEING IN EFFECT. 
After clicking thru several screens as if I were choosing to " make a payment '', I did finally see one small green box to the side of the screen indicating autopay " ON ''. 

Being the main cardholder for 5 other credit card accounts, I know that all of the other cards I hold ( managed by XXXX or XXXX XXXX ) clearly indicate on the billing statement, billing coupon and initial webpage that autopay is on and no payment is necessary. 

When I called Bank of America to lodge a complaint, the third customer service agent I spoke to told me 1 ) he had no access to anyone to whom I could directly lodge a verbal complaint and 2 ) he had no address to which I could send a written complaint. 

My concerns related to Bank of America 's credit card services are twofold : 1 ) Their confusing billing practices make it very likely that a payment could be duplicated. And if a duplicate payment were made, BofA would keep the extra payment and post it as a credit to the account. That erroneous payment would then be held by BofA and not returned to the client. 

2 ) Bank of America should have at least one avenue to allow formal complaint by customers.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (VA)

I have made XXXX disputes on XX/XX/2021, and XX/XX/2021, with XXXX XXXX XXXX XXXX XXXX XXXX, IA This account is not mine, nor does this company have any contract or agreement with my signature on it.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (OK)

I received notification on my credit and a letter from XXXX XXXX XXXX XXXX that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XXXX and once in XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have been denied access to a home mortgage loan more than once. Presently I rent a XXXXapartmentand have resided here for approximately 3 1/2 years. Due to the national pandemic, andfor the past two years my monthly rent amount has been stable {$1600.00} and my lease was extended. Currently my monthly rent is paid up to date, and my rent history has no delinquencies at this time. 
In XX/XX/2020 I was forced toresign from my employment of 15 years and qualified for some early retirement fixed pension income that equal a mere fraction of my previous income. I expect that I will return to the workplace very soon. 
My debt to ratio is very high. My credit score is over approximately 725.My daughter has income, approximately {$40000.00}. XXXX annually. My daughter 's credit score is approximately 500-600. 
I/We are seeking approval for availablegrants and a home mortgage loan in spite of these circumstances. We are acclimatedto paying rent and our other cost of living bills, as well.I would like to be giventhe same opportunities that are granted to the many XXXX XXXX XXXX and people ofother nationalities that migrate here to the United States and are provided variousgrants and loans designedspecifically for immigrants to reside in luxury beautiful homes here in the United States and primarily the state of Maryland. 
I can provide you with information that may be helpful while reviewing this request and my circumstances. I look forward to hearing from and talking with a Consumer Finance representative. Your attention to my concerns within this email is very much appreciated. Thank you.
Consumer complaint received 2019-11-22
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: JPMORGAN CHASE & CO. (TX)

I filed a disbutes with Chase CC for partial of the charge ( {$67.00} ) again a fair difference from XXXX XXXX ( XXXX  ) which Chase granted me. Then XXXX  denied my boarding at the airport without any notifications to us. So I went home file with Chase again, Chase customer Rep told me to submit a written notice in order for them to file the disbute again. I consequently submitted it ... Then I thought eveything would be taken care or at least I will hear something from Chase. This was all happened in XXXX or XX/XX/2019. 

Then I checked my Credit card statemnet, I relized Chase didn't file this 2nd disbute for me. I called Chase and the customer Rep told me that the filing period was expired and they can not file for me. 

My dispute is my original request was in XXXX or XX/XX/2019, at that time the filing window was still valid. but they didn't do anything nor inform me properly. 

my case number is Case # : XXXX. 

My total disbute is {$2500.00} Thanks for the helping
Consumer complaint received 2021-11-19
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 (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XX/XX/21 Portfolio Recovery XXXX sent me a letter stating that they've validated the " ALLEGED DEBT '' regarding account number : XXXX. ONLY I as a consumer & natural person can VALIDATE the debt. They have listed that XXXX Bank is the original creditor, which is a lie. I am the ORIGINAL CREDITOR. Pursuant to XXXX XXXX XXXX, they didn't provide me with the XXXX things that constitutes validating a debt. Even thats NOT validation, it's just an allegation UNLESS I agree ( Which I DON'T ). It's impossible for Portfolio Recovery to tell me I owe a debt, THEY DON'T have the power to do so. I never gave XXXX bank permission to give Portfolio Recovery my information, which is FRAUD. They sent me a monthly statement which is NOT validation. I choose to exercise my right under XXXX ( C ) to refuse to pay. Also how is Portfolio Recovery a creditor?? They're listed as the current creditor on the letter they sent on XX/XX/21. According to the XXXX, The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. They're poor practices have made them one of the biggest collection agencies by preying on consumers not knowing their rights. I WON'T BE A victim. I know my rights as a consumer. Due to Portfolio Recovery, I've also been a victim of abusive & deceptive debt collection practices due to having to use cash for everything because my consumer/credit reports have been damaged. They need to DELETE this from my credit report, & ANY other companies they're reporting to IMMEDIATELY due to violating my rights as a consumer.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (IL)

I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed
Consumer complaint received 2021-11-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Capital Recovery Inc. (GA)

On XX/XX/XXXX, I sent to XXXX XXXX what he asked for a no doc loan application for a cash out refinance on a property my company, XXXX XXXX XXXX owns outright. I was then sent to sign up for my own portal in order to upload those same documents I had already submitted. In that portal was a request for my personal bank statements which was not expected. That was one of the first questions I had asked ; if I had to guarantee the loan. Asking for my personal bank statements when my personal guarantee was not required, per XXXX XXXX, seemed suspicious to me. I vocalized my concern with XXXX XXXX, the president of the company who had taken over my application. I emailed him how I felt about this, and about another requirement I had a problem with ; a blind credit card authorization for the appraisal charge. He called me to tell me that he would have the bank representative call me. When the bank representative called he said my personal bank statements were not necessary, and he also assured me he would call to tell me how much the appraisal would cost before the charge would be made. I sent in the authorization and after that heard nothing. 
I sent an email on XX/XX/XXXX and did not get a response. On XX/XX/2021, I sent another email and finally this time XXXX XXXX responded. He said he had decided not to do the loan because I was " rude ''. Because I questioned the blind authorization and responded with an email voicing my concerns about XXXX profiling for loans when this is a reality, I was " rude '' to him. But that is not even why I have a complaint. My complaint is that if he decided not to do the loan, he should have let me know instead of letting me wait all this time thinking he was considering the application. I could have applied elsewhere instead of waiting for an answer from First Capital XXXX. My complaint also has to do with the false information provided to me about not having to guarantee personally. Had they been transparent and told me I would have had to guarantee the loan personally I would not have proceeded with the application. My complaint is that he committed fraud when he requested more documents from me when he had no intention on doing the loan by then. My complaint is that I was discriminated against because I am both a female, and a minority. His decision not to do the loan is a result of discrimination, and not because I was " rude ''.
Consumer complaint received 2021-11-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have payoff mortgage loan in full in XXXX I received instructions from representative and paid off loan. Only to be inform today that there is a XXXX balance on loan that has acrued interest and also a default interest fee has been added totaling {$3200.00}
Consumer complaint received 2021-11-19
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)

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have negative inquiries on my credit. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a XXXX step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (IL)

I have a case number Case number : XXXX received a letter from XXXX, XXXX FILE # XXXX, Date XXXX XXXX, 2015 saying that my settlement amount is {$69000.00} and i have time to respond till XXXX XXXX, 2015. I called the XXXX and they told me that Citibank closed my file with them and they will contact citibank. At the same time, they told me that the settlement amount is {$660.00}. so even the letter shows more money that I need to pay. I am not sure why all these conflict of information. 
My question, why citibank closed the file with them if I have time till XXXX XXXX, to reply. I called to pay the settlement amount and finish with this issue. Citibank did not inform me of any thing and they are just working with the XXXX without letting me know where I should pay. 
Can you please, help me because this letter shows that I should talk to XXXX if i need help. 
I need to know why CItibank closed my file with XXXX without letting me know where to pay. 
thank you for your time and help. 
XXXX XXXX XXXX
Consumer complaint received 2021-11-19
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. (CA)

I checked my credit report and saw that there was a credit card in my name from XXXX XXXX. It had been opened since XX/XX/2019. I became aware of it today. I called XXXX XXXX and they informed me there isn't an account under my name nor social.