davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and they " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? First off these are reporting as collections but they are reporting a past due, that is a violation. the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .the account type is inconsistent through all of the bureaus, there are multiple violations..there is no way that any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Dear Chase, I am a victim of identity theft and I called to report this information to your fraud team again today you and they were unable to verify me via my cellular phone number ( S ). This is not my first time attempting to reach your fraud team. They put me on hold to see if there were other solutions they could offer me. They suggested that they call me back to verify me. I suggested that I go to a branch but they dismissed this idea and recommendation to call me back on my phone line. Also, my zip code is coming up incorrectly in your automated system. Can you please investigate asap.
Consumer complaint received 2022-11-08
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. (PA)

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On XXXX XXXX XXXX XXXX XXXX for Insurance underwriting On behalf XXXX XXXX XXXX XXXX XXXX for Insurance underwriting XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV 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 in accordance with the Fair Credit Reporting act all these companies, have 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
Consumer complaint received 2023-02-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

On XX/XX/XXXX, I sent a request to AmeriSave for to start the process for pre approval on a mortgage. The initial conversation was done through the company 's chat platform. This is where I began the loan process with XXXX XXXX the Loan Originator.

The conversation consisted of questions regarding how much I would like as well as the down payment I would provide and various personal financial information. I was provided with a pre approval by screenshot stating that my rate would be 5.75 % and I was preapproved for $ XXXX. XXXX then stated that he would like to continue the conversation over the phone. After calling he stated that I could lock the provided rate in with a {$500.00} deposit that would go to the closing costs at the end of the process. This was referred to as XXXX. I stated " No, I would not like to pay the {$500.00} but can we still continue, '' He states that if I do not do this I risk having a higher interest rate if we wait until the underwriter reviews this application. I then agree to pay and lock the rate in and receive a preapproval letter ( attached ) stating that this is a ready buyer preapproval for the desired amount. However, the document does not state that the rate is locked. After waiting a day, I receive another document letter stating a completely different rate and amount titled Certified Pre Approval on XX/XX/XXXX. This amount was significantly different than the original " Locked '' rate. I make several attempts through email and phone to communicate with XXXX regarding this and request for a refund. after multiple failed attempts, He finally answers my call and states that he would like to see if he can increase my amount first. I tell him that this is not necessary and that I would like to process the refund. After this I do not receive a response. 

I attempted to contact XXXX on XX/XX/XXXX, he answered, stated that he was out of office and would be back in the office on Monday XX/XX/XXXX to discuss the refund with his manager. It is now XX/XX/XXXX, He will now not return my calls. I also attempted to contact the customer service and was told I had to contact XXXX for this issue.
Consumer complaint received 2024-10-08
Product: Credit reporting 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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-11-05
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. (NV)

o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY XXXX ACCOUNT AND TRANSUNION, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN XXXXredit Inquiries Credit Inquiries - SummarXXXX XXXX TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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: LAKEVIEW LOAN SERVICING, LLC (OR)

The wife and I recently changed accounts so we had to update all of our auto-pay information. Well before the payment was due I updated Lakview Loan ( XXXX ). 
The payment went through but i never saw it leave my account. A few days later, but before the payment was considered late, Lakeview notified me that it was " insufficient funds '' yet plenty of money was in the account. 
I attempted to contact XXXX/Lakeview but it is nearly impossible to get ahold of anyone ( probably by design ). Anyway, got in touch, documented that they said to resubmit the payment so I did. Sure enough, it did not go through again. 
In an effort to avoid penalties or a negative credit impact, i issued a payment directly from my account. 
I was charged a late fee even though i was instructed to re-attempt auto pay which im not surprised about, but today the wife and I checked our credit reports and we were both hit with a 30day late on our mortgage. My score dropped from XXXX to high XXXX 's. 
My main complaint is that XXXXr/Lakeview is almost impossible to get ahold of. When you do finally get ahold of them, it seems as though they are purpousfully vague, and lead you on. 
Also, I am very troubled with the economic incentive they have to drag things out inorder to XXXX late fees. It is economically benifical for them to delay someones active attempts to make a payment. On a larger scale, im sure they have assesed XXXX XXXXs of millions in late fees and corresponding credit hits to scrape in more cash from people that dont deserve it. I have not had 1 late credit payment in over 12 years but lakeview got me through their well designed, unethical well implemented sludge and delays. 
I do have supporting documents but its almost too much to upload as I spent almost 2 months trying to sort this out.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (AR)

In accordance of the fair credit reporting ACT. The creditor CarMax Auto Finance has violated my rights under 15 USC 1681 section 602 that states I have a right to privacy. 15USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card or any other account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

hey, i wrote a dispute about inaccurate personal information on my credit XX/XX/2020 and i still havent recieved a response. under the FCRA the company involved is suppose to respond within 30 days and have not done so. i would like this information deleted immediatly please.
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

In XX/XX/XXXX I have purchased new XXXX XXXX XXXX and thus entered into a retail installment contract ( RIC ) with the dealer that governs the financing arrangement for the vehicle, which the dealer assigned to TMCC. When I purchased the vehicle, the dealer offered " gap '' protection in exchange of a specific payment. At the dealership I was informed that gap protection in " designed to cover the difference between what my insurance will pay and what I actually owe if the car is totaled, or the difference between what I owe and what my var insurance in willing to pay for it. TMCC describes gap protection as a product that '' will waive or pay the deficiency balance '' if the customer experiences a total vehicle loss. TMCC 's gap protection came in the form of a written standardized addendum to the RIC. Pursuant to the terms of the GAP contract, TMCC agreed to waive a borrower 's remaining liability to TMCC for any balance under RIC that is over and above the Value of the Vechicle as determined by the physical damage. My new Toyota XXXX XXXX XXXX Hybrid was financed through TMCC for a total amount of approximately {$40000.00} and I paid some additional charge of XXXX at the dealership. On XX/XX/XXXX my vehicle involved into a car accident and my primary insurance deemed my vehicle a total loss and paid to TMCC, the lien holder of my car, {$19000.00} as the value of the vehicle at the time of the accident. At that time I owed TMCC {$26000.00} for the vehicle under the RIC. TMCC refunded me {$1700.00} for the unused portion of the prepaid maintenance ( PPM ). Thus, there is a {$4800.00} " gap '' between the {$24000.00} I owed to TMCC under the RIC and the " actual cash settlement '' from XXXX in the amount {$19000.00}. Contrary to the terms of the GAP Contract, TMCC did not waive my liability for the {$4800.00} " gap. '' Instead, TMCC waived {$3300.00} and notified me ( with threats to report to credit reporting agencies ) that I was liable to TMCC for the remaining {$1500.00}. TMCC 's refusal to waive the full amount of the " gap '' on my vehicle is contrary to the express terms of the GAP contract. TMCC 's refusal to waive the full amount of the " gap '' and threats has caused me pecuniary damage. Upon my belief, TMCC 's interpretation and construction of the GAP Contract between me and TMCC is uniform and consistent with how TMCC has interpreted and construed all other GAP Contracts it sells. The GAP Contract was drafted, prepared, promulgated and sold by TMCC and as such, any and all ambiguities in the GAP Contract must be construed against TMCC. This is my belief that TMCC has engaged in deceptive and unconscionable trade practices.
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My name is XXXX XXXX I have Citzin bank account. On XXXX XX/XX/2020 A friend of mine transfer {$200.00} through XXXX to my account the next day on XX/XX/XXXX {$200.00} was reversed I contacted my bank XXXX XXXX and I went to the Branch in XXXX Massachusetts to find out or gresolve this matter but theres no any solutions through XXXX or my XXXX XXXX XXXX and my friend contacted his bank which is XXXX XXXX XXXX there is no trace of this money I would like you to file a complaint to see what is this money one thank you XXXX ( XXXX ) XXXX Email address XXXX XXXX
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I refinanced my home Mortgage that was with Bank of America. I refinanced through a different company and got confirmation that my Bank of America Mortgage was paid in full on XX/XX/XXXX. I tried on 3 occasions ( XX/XX/XXXX, XX/XX/XXXX & XXXX ) to contact Bank of America regarding the refund of approximately $ XXXX of my Escrow account balance. On XX/XX/XXXX I held for 40 minutes and never did get my call answered. On XX/XX/XXXX, I was on the phone for 2 hrs. and 58 minutes spoke to two representatives that asked their supervisors for help and nobody to could figure out how to see if a refund check had been sent to me. On XXXX I held for 30 minutes and my call never got answered. I have a few issues I would like addressed : 1 ) their recording says if you don't want to hold, send us a secure message by logging onto your account. I could not do this because they disabled my account. 2 ) If they have that long of hold times, hire more help. This is ridiculous. 3 ) By law B of A should have sent me a refund check within 20 business days of my account being paid in full. They are breaking the law and given the recent scrutiny by regulators in the mortgage arena, I would think a company as big as B of A would have their processes fixed by now.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

There is a charge on the statement listed as NONATM DEBIT for XXXX from XXXX NY. We did not authorize nor complete this charge. On the same day we were in Nj and never left the state. There were other charges the same date with location proof on the statement showing Nj. The bank refused twice to remove the charge. We asked for video proof at the machine, how an ATM can withdraw XXXX and also why would someone who had over {$6000.00} ask for a balance inquiry right before withdrawing XXXX. All answers were, we can explain, but you had possession of the card so we deny the request for reversal An investigation by us has revealed similar situations by an extraordinary number of customers from TD bank. Most recently there has been an arrest related to an XXXX XXXX  employee who processed withdrawals through their customer accts exactly in this fashion. We are only asking for that one charge and the related charges ( totaling {$6.00} ) for balance inquiry and non TD ATM withdrawal on that day to be reversed or for them to show proof that we were the ones that took the money out. Every ATM has cameras so there should be video proof. If not that, then answer my question as to what ATM allows for pennies to be withdrawn? Please help! Also, an investigation of TD bank should be warranted based on the number of complaints with the same issue.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

This company has been reporting an inaccurate account on my credit report which violates my rights under the FCRA. I have contacted this company via certified mail requesting VERIFICATION of account # XXXX with a reported balance owed of {$1400.00} on XX/XX/2020 and XX/XX/2020. I have asked that they send me the documents with my name and signature which states the terms they believe I ( myself ) agreed to. This company has failed to provided me with this information and has also refuses to remove this account from my credit report. I demand this information be removed from my credit report in accordance with 15 U.S.C. 1681i, of the FCRA which states that all UNVERIFIED accounts must be promptly deleted from my credit file.
Consumer complaint received 2020-10-01
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)

Equifax ; XXXX and XXXX are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. Equifax is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (TX)

I am a victim of Identity Theft, someone fraudulently opened the following account in my name : BARCLAY 'S BANK DELAWARE # XXXX OPENED : XX/XX/2015 AMOUNT. {$750000.00} I HAVE ENCLOSED MY POLICE REPORT.
Consumer complaint received 2022-11-08
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Inquiry Type Individual -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXXXXX interact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies have 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
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NY)

Last Summer in XXXX My XXXX  XXXX  was rear ended and totaled, i had gap insurance they paid out the full amount that honda finance corporation had sent the estimate and XXXX XXXX paid them. the accident happened last summer in XXXX and i was in the hospital for months where honda knew what had happened to my car i have a letter they sent me in XXXX saying we acknowledge your request to cancel the HONDA warranty and sent a check to my lender HONDA FINANCE CORP ( i have a copy ) now the issue is the have billed me for storage and repossesion on my vehicle when they knew it was totaled and sitting in the yard that THEY took it too once XXXX XXXX released the vehicle from inspection so the lender can take it back for and auction it off so they can make something off salvaging the car so i dont understand why i have to pay XXXX XXXX DOLLARS more when they already recevied OVER XXXX XXXX DOLLARS because of GAP insurance
Consumer complaint received 2020-03-24
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. (AR)

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}