davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/2021, I sent disputes to the three bureaus about unauthorized use of my credit report. I have yet to hear back from them 30 plus days later.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account 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 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I paid off Conns XX/XX/2020. After that in XXXX my wife and I started the process to build our dream home. In that process we found out Conns was still open. We then provided our builder the receipts showing we paid Conns then in XX/XX/2020 I received a call from Conns indicating they were attempting to collect a debt. I informed them that the account was paid in XXXX. After being on hold they realized it was and they will make a note. Two days later I received a call again this time Conns collections put a ticket for the issue to be resolved and it would not affect my credit. Well inXX/XX/2020 30 days before closing we being the closing process and Conns is showing I have a past due balance of {$600.00}. I called Conns and again they apologize and will put a ticket. Well every week I have had to call because my loan officer wants a letter from Conns indicating the account is paid in full or that the account has a XXXX  balance. Each time I call they say they cant do that but they will send the request to corporate so they can provide something in writing and I should receive it within 24hrs. Fast forward my wife and I are unable to close on our house and this is the second time my closing date will be pushed because of Conns in capability to provide us a letter even though they acknowledge that our account is paid off. In addition my credit score dropped 95 points because Conns put me in collections. I have had a XXXX  since Thursday XX/XX/2020 to move and now I am paying over {$500.00} to have this XXXX  and I still havent closed on my house. I called Conns again today XX/XX/2020 because I was supposed to close today and they indicated that they were sorry but the only thing they can do is send another request and open another ticket to get the issue resolved. We are going over 6 months since this account has been paid off and nothing has been done but ruin my credit and stopped my family and I from moving into our dream home.
Consumer complaint received 2022-09-01
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. (GA)

I have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2021-03-08
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. (SC)

XXXX XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX account XXXXhas 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 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Suspended my credit card account on XX/XX/2019 and requested some documents which I am supposed to send them back by XX/XX/2019. I have already sent all the documents they have asked for and they should have received it by XX/XX/2019. However, they are telling me that they did not receive anything and if they do not receive it by XX/XX/2019, they will make a decision without those documents. This means they will close my account without even reviewing the documents I have sent them. I spoke with the Bank of America Employees and asked them to give me an extended time to resend the documents, but they rejected me rudely. it is not my fault that they have not received the documents. it is either their fault or the fault of United states Postal office.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

During the period of XX/XX/XXXX to XX/XX/XXXX my wife was handling our finances because I had been XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX was in and out of hospitals, XXXX, XXXX XXXX, XXXX XXXX and home but XXXX. During this period a series of fees started showing up on our joint checking account. My wife grieving the loss of our XXXX XXXX XXXX XXXX old child to XXXX, was n't keeping a close eye on the transactions on our statements. These where regular monthly fees that should have been waived, because we made more than ten regions credit/debit transactions a month ( a lot more ). When my wife set up the cards, she was assured that both cards would qualify towards the ten transactions needed to waive the monthly account fee. I first noticed the fees in XX/XX/XXXX, and called regions bank to ask about the fees. They told me that only one of the cards qualified, because one of the cards was only an authorized signer and not listed on the credit card account as a joint owner. I feel that this is just total nonsense and a technicality that they have used to charge us months worth of bogus fees. More over we where assured that the cards qualified.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: LD Holdings Group, LLC (TX)

I am currently in an agreement with a past employer to pay back a sign-on bonus that I received. The payments were to be made by check, until XX/XX/2022 when electronic payments became available. I received and email stating where and how to make a payment, and that if I wanted recurring payments could be set up. After making the first payment electronically in XX/XX/2022, the email confirmation stated I would be set up for an auto draft. The payment portal never had any reference to auto payments or an area for me to electronically sign to agree to an auto draft. XX/XX/2022 when the payment was due they drafted a payment from my account without my consent. I notified them immediately, and requested to have it removed, which they agreed to. My concern is that they couldnt provide me any documentation when requested where I authorized them to draft my account, as well as they do not understand the requirements under the EFTA to draft a consumers account. They were relying heavily on the fact that they were ok to do so because the email stated such.
Consumer complaint received 2019-02-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I am in the process of buying a new car, calling around various dealerships and getting price quotes. Throughout the day yesterday, I spoke on the phone to XXXX XXXX, salesman at XXXX XXXX in XXXX, Illinois. I explained to him, in no uncertain terms, that I am looking for an out-the-door price on a 2019 XXXX XXXX XXXX XXXX. I explicitly stated that I will not be financing through Nissan so DO NOT include any rebates or special offers that are dependent on financing. He indicated that he understood and said he would call back after speaking to his sales manager. He called a few minutes later with a price quote of {$23000.00}. I asked for repeated confirmation that this was the car I was looking for, that the price includes all fees/taxes/registration/etc., and that he understood that I would absolutely NOT be financing through Nissan. HE thought my persistent need for confirmation to be amusing and assured me that he is honest, straightforward, and was not going to give me the runaround.

Low and behold, I arrive at XXXX XXXX a few hours later and it goes something like this : XXXX : Sorry, the price I gave you is only if you finance through Nissan. 
Me : XXXX I told you a thousand times that I would NOT be financing. 
XXXX : Yeah, I know, my bad. It will actually be {$1500.00} more if you're not financing. 

I understand that car salesmen have a reputation for being XXXX but this is getting into very deceptive territory. If you are and entity selling a product ( cars ) AND financing, and a customer calls asking for only the product, it is dishonest, deceptive, and outright XXXX to lure them in with a price that you know you will not sell for. I gave XXXX every opportunity and all the information he needed to give me an accurate price and he chose not to. It is possible to negotiate without being outright dishonest but it looks like this isn't a principle that Nissan holds its employees to.
Consumer complaint received 2019-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been getting phone calls from Portfolio Recovery since XX/XX/2018. They always call from a different state area code such as XXXX  for New York and XXXX in California. Every time I block a number, they call back within hours from a new area code and number. I have never received a letter or bill but it's on my credit so I have no way to dispute this. Plus it shows that they have re-aged the debt on my credit. I have seen the time started roll backwards by a year
Consumer complaint received 2022-08-29
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. (PA)

The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

About two weeks ago I've deposited a {$2000.00} check for a coworker using my account, the check was properly signed over to me. My account and funds are being restricted. 

Chase has requested a phone number to verify the person who has given me the check.

Chase method of phone number verification has failed to verify the person. where they claim that number does not match. 

I looked into it my self, where I've contacted the phone provider my self, and they have verified that the number is indeed registered and linked to the person that has signed over their check. Direct contact with the phone company has verified. 

Have come across many that are having this issue with chase, I've provide this evidence to chase, that their method of trying to verify phone numbers with public records have a high result of not matching because their not going directly to the provider, and by using public record will only go into previous owners of phone number not always the current owner. 

They say that they only can use this method, knowing well that they could use another one. 

Now they say they will hold {$2000.00} until verified and close my account, which I haven't been able to access no funds,. 

Chase should have a better and variety of ways to help their customers, especially when customers have been providing better options. 

Also I've told chase that we can contact our employer that wrote the check as to verify this as well but they refuse,.

This have been time consuming and really a set back for a customer that's been trust them for years, and has never had this happen to not have found a simpler solution in the time frame and process.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Yamaha Motor Finance Corporation USA (FL)

In XXXX, I made a purchase of a XXXX  with the financing provider of Yamaha XXXX XXXX, in which due to the XXXX pandemic, I was affected by not being able to pay the fees of that XXXX. 

This account was then paid in full along with the outstanding interest and when I call the agency request that please this negative account that appears to me as a collection in my credit report, request that it please be modified or deleted since it negatively affects my report but the company as such does not affect it. 

I understand that the accounts can take several years to reflect but the information they provide to the XXXX  XXXX  is inaccurate and incomplete so I kindly ask that it be corrected and deleted from my report.
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Just recently received ( XX/XX/2019 ) this notice in the mail with no return address dated XX/XX/2019, asking XXXX XXXX to give them my banking information, and a copy of my car loan. This company Portfolio Recovery has already withdrew money from a bank account that they have access to, they ( Portfolio Recovery ) goes to that bank account to get funds monthly, there is no need to to continue to get information that they already have. This company has also failed to produce a signed contract that I've signed to prove the money owed on this alleged debt, but still continues to collect money.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NV)

Auto Pay for Home depot didnt work for some reason and I became behind on a single payment. Tried contact card service but the automated system has me stuck in a loop where I can't make a payment do to technical failure of the Home Depot card service phone and web systems. The customer service is completely automated and I am unable to even talk to a person about my issues. I have been regulated to wait for them to call me but the use a automate system for that too that also can not process my payment.
Consumer complaint received 2022-09-01
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. (MI)

These two items were a result of Identity fraud that shows up on my credit report as hard inquiries. 

XXXX XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX 2022 2022
Consumer complaint received 2022-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One is negatively reporting an old closed account that is paid in full on all three major credit reporting agencies. The first delinquency on this account was over seven years ago. I did dispute this exact account last year and they did take it off for a few months and then it reappeared with a new incorrect first delinquency date so they can keep getting away with reflecting it on my credit report longer then seven years wich is illegal.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

I was in USA three times : 1.I came here as a XXXX student ( XX/XX/XXXX-XX/XX/XXXX ) .I oppened just a XXXX XXXX XXXX checking account and I close it at XX/XX/XXXX and left a country. 
2.I came here as I XXXX Student ( XX/XX/XXXX-XX/XX/XXXX ). I oppened just a XXXX XXXX checking account and I close it at XX/XX/XXXX and left a country. 
3.I came here as a tourist at XX/XX/XXXX and I am living here.I decided to open a XXXX XXXX checking account at XX/XX/XXXX. 

After a couple of mouths I find out information about credit reports and credit history and decided to check myself and I found some issues.According to credit report these account was opened when I even dont have a visa to come into USA.I got a visa XX/XX/XXXX and came into the USA at XXXX XXXXAccounts was oppened at XXXX years so, its no way for my to physically get and use this credits cards.I report to police department but the still didnt help my out.It was few more account but credit berrues removed them. 

So called the Chase Bank and I got the letter that I amstill responsible for frauden account, but again, its no way for my to opened, get and use chase credit card.During XX/XX/XXXX and XX/XX/XXXX I lived in XXXX.
Consumer complaint received 2019-02-05
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries, reported into my credit profile. I am requesting for Experian Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, about my identity being stolen. Please reference to the following inquiries listed below.
Consumer complaint received 2021-08-21
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. (CA)

Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. Thank you.
Consumer complaint received 2019-02-05
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: CCS Financial Services, Inc. (TX)

XXXX XXXX XXXX has placed an inaccurate entry on my credit report. I recently retrieved a copy of my credit report and noticed that they had placed an account on there. Previously, I have disputed this account entry with them in XX/XX/2019 via certified letter with return receipt. The tracking number for this letter is XXXX. Tracking reflects that they received this letter on XX/XX/2019. To date, they have not responded with any documentation ( as requested in dispute letter ), that provides their authority to collect on this alleged debt in the state of Texas, an agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, complete accounting of the alleged debt, nor the name and address of the bonding agent for them in case legal action becomes necessary. 

This company is blatantly violating my consumer rights and this entry must be Deleted from my credit reports immediately.
Consumer complaint received 2019-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I turned in my leased car in XX/XX/XXXX and I was on an automatic draft. Today on XX/XX/XXXX, I was charged $ XXXX   monthly payment despite having turned in my vehicle more than 40 days ago. 

This is unfair and an unfair and deceptive practice in Florida. Please demand that XXXX XXXX correct this issue for me and for all future account holders. Thank you.