davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (DE)

To date have not received a copy of the settlement agreement. {$4500.00} settlement with monthly payments of XXXX a month until paid in full. I have spoken to several representatives who advised it would be mailed to the mailing address on file. As of XX/XX/XXXX I have not received anything in writing. I have as emailed with no results. I've been making payments since XX/XX/XXXX.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX accuracy not XXXX or XXXX.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist fraudulently and criminally stole {$300.00} from me when they did not complete a XXXX transaction they said they were going to do within minutes. They refused to give me the money that is rightfully mine and not theirs.
Consumer complaint received 2021-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I received a letter at the beginning of XXXX from mortgage company Loancare , LLC stating that I did not have flood insurance on my property. I do have flood insurance separate from my homeowner 's insurance. I uploaded Insurance documents on XX/XX/ to the portal and received email verification that they were received. 

On XXXX I was notified that my Escrow account had disbursed {$2700.00} for flood insurance purchased by the lender since I did not have my own. I uploaded coverage documents to the online portal on XX/XX/ and again received an email notification that the documents had been received. 

On XX/XX/ I contacted My Loan Care by telephone to follow up. After being placed on hold for over an hour and being transferred to several people I was told I needed to upload documents to prove coverage. I stated I had done this on XX/XX/ and XXXX The representative 's response was " sometimes it takes a few days '' so I should resubmit the documents and call back another day. I requested an email to submit the documents to since uploading them had been unsuccessful, despite my having received two separate emails confirming receipt. I again submitted the documents by email XXXX 

On XXXX I logged in to check the status. The information still had not been updated, nor the escrow disbursement reversed. I AGAIN uploaded the documents to XXXX on XXXX. Once again I received an email confirming the the documents were received. I plan to follow up by phone again next week, but given the history of poor communication, fraudulent escrow disbursement and lackadaisical attitude of employees this incident should be investigated.
Consumer complaint received 2022-12-29
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX XXXX Filed/Reported XXXX XX/XX/2017 Reference # : XXXX
Consumer complaint received 2021-03-17
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. (IN)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I contacted Citi bank to close both my savings and checking accounts with the bank. However, I was bounced around from representative to representative over the phone and could not actually get a hold of anyone who'd be willing or able to close the accounts. I tried to follow up on XX/XX/XXXX and XX/XX/XXXX but was never successful closing the accounts.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (TX)

I have tried to fix the names and addresses on my credit. XXXX and Equifax and XXXX won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my report
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, my citibank bank account was closed without warning. 

About closed to {$2000.00} was deposited ( utilizing XXXX, depositing checks ). Upon calling their fraud center ; I was given no reason as to why my account was closed, and was told if there was any funding ; I am to expect a check within 30-60 business days. 

This is the second time in the last month I deposited utilizing their mobile deposit ; the first time they purposely blocked my access. It was blocked to protect themselves from any checks bouncing. And every single one of those checks posted and I was without pay for 3 weeks ( that caused late payments/fees to all my bills due around the end of XX/XX/XXXX, and beginning of XX/XX/XXXX ). I called several time and was told to wait 7-10 days and kept getting the work around. 

Anyways, I got on the phone at the end of third week from the day it was blocked and the gentlemen without question unblocked my access since every single check went through. 

Back now in XX/XX/XXXX, same mess instead they just closed my account.
Consumer complaint received 2022-01-21
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. (CA)

On Friday, XX/XX/XXXX I noticed a hard inquiry on my credit report from Chase Bank. I did not authorize this inquiry. I called Chase bank to report the fraud. After sitting on hold for an hour and a half, I spoke with someone who told me the credit card application the inquiry was related to had been flagged for fraud. He said that Chase bank would close the card application, remove the inquiry, and then send me a letter confirming they had done so. Instead, however, Chase sent a letter to my home address but addressed to the person who'd applied for the fraudulent card saying that her request for a " a new Chase sapphire Visa signature account '' was not approved because " This is a duplicate application. '' Then, on XX/XX/XXXX, Chase put a NEW fraudulent hard inquiry on my credit report DESPITE my report of fraud the previous week.
Consumer complaint received 2022-12-29
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. (FL)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



























































































XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXUNIVERSIT XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX CARD  XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ''
Consumer complaint received 2023-05-30
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX ... Balance : {$39000.00}
Consumer complaint received 2022-01-21
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. (WA)

Sent a request form into Annual Credit Report Request Service for credit reports with the 3 credit bureaus, I haven't received any reports to date. According to XXXX Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/XX/XXXX.
Consumer complaint received 2022-01-21
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. (FL)

I have contacted ALL companies involved, I have disputed the accounts over and over again, and XXXX  XXXX keeps coming back with information accurate, XXXX  keeps sending this account to different collection agencies knowing that it is fraudulent, XXXX XXXX is not accurate, Previous account was paid and closed, XXXX stated they bought all XXXX 's companies accounts, I advised my account was paid and closed and no account should have ever been opened under new Management that would be fraud. 
I dont know how to get these items removed from credit report as they are affecting me in many ways. Most recent contact was XX/XX/2022. What do I need to do to get these accounts removed from my Credit. I have locked and Froze all my accounts. I have Disputed these and nothing is being done. Need help getting these removed.
Consumer complaint received 2022-01-21
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. (AL)

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )?
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One continuously performs adverse actions against me the consumer. They have denied me access to my own credit and forced me to make a deposit for a secured card I did not want. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Capital One has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance coupon payment online, my payment was accepted. Capital One then reversed the payment after many days. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later capital one reversed the charges and locked my card this time. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against capital one for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance coupon payment or the original security contract deposited for bailment purposes.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

on XX/XX/2022, I received a letter that stated I owed XXXX XXXX  money that I don't know about. the debt collector is Transworld System Inc. on XX/XX/2022. I sent them a debt validation they failed to response to me ( Failure to Validate Letter ) on XX/XX/2022 I sent them another letter and they failed to respond to me again.
Consumer complaint received 2022-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Leif Technologies Inc. (WI)

Several times, Leif has falsely claimed that I owe them money or that I am in breach of my contract. 
Neither is the case. I'll start with them trying to claim money from me. I signed an Income Share Agreement ( ISA ) with XXXX, a coding bootcamp based in XXXX, UT. The agreement presented to me was that I would not have to pay my {$12000.00} loan for the course until I found a job in a XXXX XXXX position earning at least {$40000.00} a year. That was in XXXX of XXXX. To this day, I still earn far less than {$40000.00}. However, that has not kept Leif, the financing company XXXX used for our ISA from trying to claim money from me. Earlier this year, they claimed that I owed them over {$600.00} for the month of XX/XX/XXXX because I supposedly earned more than {$3300.00}. This simply wasn't the case. I receive 2 paychecks a month on the XXXX and XXXX. However, if one of those dates falls on a weekend ( as did the first of XX/XX/XXXX ), I receive my paycheck the preceding Friday. So, I received my paycheck for XX/XX/XXXX on XX/XX/XXXX. Leif requires you upload your pay stubs to their site, and it should be obvious to them that I did not earn more in XXXX given that, one, I received my " 3rd '' paycheck on the last day of XXXX, and second, that I was only paid once in XXXX. I addressed this with them and they initially refused to amend my status, but conceded after some persistence, saying they'd make " an exception ''. They suggesed my employer, XXXX XXXX change their payroll policy to comply with Leif. 
The second issue I have with this is that they were willing to charge me as if I was earning {$40000.00} when it was clear from my annual tax report that I was earning close to half of that. 
Recently, the XXXX of XXXX, XXXX, Leif claimed that I was in breach of contract and would have to pay not just {$12000.00} as agreed, but {$24000.00} in full because, first, my pay stubs were not up to date, and second, I hadn't submitted a proper offer letter from XXXX XXXX. I have been working for XXXX XXXX for nearly 2 years, and as of today ( XX/XX/XXXX ) am completely up to date with all my pay stubs. Yet their site still says that I am not. As far as the offer letter goes, it should be obvious to Leif that I am working there since they have all my pay stubs from them. But that's not the problem. The contract I signed does not stipulate that they need an offer letter from my employer. It is my suspicion that they are simply looking for ways to take advantag of me in order to get whatever money they can from me. There was a similar pattern with XXXX trying to claim that certain non-technical jobs qualified for the ISA. I believe there have already been class-action lawsuits filed against both Leif and XXXX for these reasons.
Consumer complaint received 2020-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

company - Capital One financial date started - XX/XX/2020 date reported - XX/XX/2020 Loan Amount - {$2000.00} Reason - auto repair person spoke to - XXXX phone # - XXXX On XX/XX/2020 I applied to get a loan cause im a delivery driver and my cars beat up and needs some fixing. On XX/XX/2020 I received a call from these people saying I was approved up to {$10000.00}. First thing I got suspicious about was they needed my bank login information to attempt a mobile deposit which my bank found fraudulent and fixing that situation now. When I first got the loan approved they said I didnt have enough credit history which is true under my end but they said they would move on and let my credit history build up from some type of program. so I didnt even get the loan to start and to build that credit I needed to pay them back and they mobile deposited a small fee into my bank account. After this happend today XX/XX/2020 they told me at XXXX this morning to go to a XXXX XXXX  and buy a XXXX XXXX gift card in the amount of XXXX $ which was not optional cause they said they would red flag my social security if I didnt do it. Now im sitting here with no loan a huge scam and I spent XXXX on something that I coudlnt control and no loan. So now im broke caue they emptied my pocket of money and took it for a joy ride with gift cards.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late? {$110.00} past due? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-04-10
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. (SC)

Experian, XXXX, & XXXX  have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (VA)

On XX/XX/year>, I wrote to XXXX XXXX to indicate I had been making payments on the credit card to the creditor, XXXX  XXXX XXXX, while my account was in collections at XXXX XXXX. XXXX XXXX sent me the attached letter and CFPB closed the dispute before I could respond. I have proof that I have made payments directly to the creditor, XXXX  XXXX XXXX, that are not included in the list of payments that were received by XXXX XXXX This means that there are a set of payments that have never been applied to my credit card account. I have attached the list of payments provided to me by XXXX XXXX, which were received by them. However, in this list, there are payments ( which are also individually attached ) that are not included in this list. This means these payments were never applied to my balance. I want these payments applied to the balance and this account should be taken out of collections, because I was making these payments when this account was transferred to XXXX XXXX. It is illegal or this account should never have been transferred to XXXX XXXX while I was making my payments to XXXX  XXXX XXXX.
Consumer complaint received 2020-04-10
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. (SC)

XXXX, Equifax, & XXXX  have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX