davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I was issued a credit card with a {$48000.00} credit limit, and the company closed my card without my acknowledgment or consent. The card had a 0 % interest rate for 12 months which has been closed as well, I believe. I havent received any communication from the company other than when I called to report my credit card not working and the representative stating that my account was under review.
Consumer complaint received 2017-08-22
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. (IL)

As part of a Chapter XXXX filing on XX/XX/XXXX XXXX mortgage was a creditor discharged. I discovered that XXXX had reported credit activity after having been discharged. The activity was reported to and published by Equifax. Although the creditor was discharged over 7 years ago and there was no reaffirmation agreement, Equifax chose to publish the information. Upon notifying Equifax of their reporting violation, they acknowledged knowing the Chapter XXXX Bankruptcy date yet misapplied and misrepresented the reporting period for creditors discharged in Chapter XXXX. While I fully agree that the " record of bankruptcy '' will remain on my credit record for 10 years from the filing, the actual credit activity for the creditors themselves only remains for 7 years and NOT 10. The Equifax supervisor " XXXX '' in the Resolution Department stated that if XXXX reports the activity, Equifax would include it on my credit report. She refused to provide a work ID or last name and only identified herself as XXXX. The representative then repeatedly stated that all the activity in the bankruptcy would remain for 10 years which is false. I repeatedly stated to her that there was a difference between a record of a bankruptcy remaining on my consumer credit report for 10 years and the creditor and credit activity additionally remaining for 10 years. The activity of a creditor should actually be deleted after 7 years from occurrence or the Chapter XXXX date of filing, whichever occurred first. If there is credit activity on the account after the Chapter XXXX filing or discharge date, the activity should NOT be reported or published unless the debt is reaffirmed. Mine was not reaffirmed. Equifax has an obligation not to repeat the mistakes of creditors and additionally should not misinform consumers regarding the law. Their ignorance has caused me much duress and time in trying to resolve the matter. I am seeking a home modification and this is adversely affecting the process.
Consumer complaint received 2022-10-13
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)

Upon reviewing my updated reports, there are incorrect items were found in my which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-24
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 (FL)

Back on XX/XX/19 I made a payment on my CapitalOne QuickSilver card for {$2300.00}. I made the payment via my Debit Card which is what I was instructed to do. In the past I have made payments via my checking account through bill pay and they were put on immediate hold and then have to have the customer service agent conference in my bank to verify and release the hold. I noticed that the {$2300.00} was not applied to my account. I reached out to customer service and was told the payment was put on a 26 day hold. 26 days!!! Was told they have no explanation and there was nothing they could do about it. Asked to speak to a supervisor, was told the same thing. No explanation or reason as to why and their was nothing they could do about it. I asked if we could call my bank and verify funds. Was told no - not with a system generated hold. Asked if they could return my payment, that I would make it in smaller amounts if that would help. Was told no. It is absolutely unfair and possibly illegal to take some ones money, process the payment and then not apply it to the account. 26 days is just ridiculous. I did everything I was told on how to make my payments so there were no issues. I have never had an issue with any of my CapitalOne accounts. No reason why my funds should be held and unavailable to me for 26 days. I did a XXXX search on 26 Day CapitalOne payment holds. Their are thousands of other people out there experiencing this. Some who don't have the means to have their funds being held for no reason do to a system hold. I am contemplating legal action.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Today XX/XX/XXXX I called PennyMac to make our monthly mortgage payment through the automated phone system and it said our payment was {$1400.00}. instead of our usual payment of {$1000.00}. We have not received anything via email nor through USPS. The automated system said taxes had been paid on XX/XX/XXXX. 
We then called PennyMac to ask what was going on and we could not get a clear answer as to why our payment had changed so drastically. 
We assumed this loan on XX/XX/XXXX and paid over {$4600.00}. in closing costs, taxes and insurance. 
PennyMac has been very difficult from day one since trying to assume this loan from our daughter and her husband. I feel they charged us unnecessary fees as my husband was a co-signer on the loan when we assumed it. It took from XX/XX/XXXX to XX/XX/XXXX to simply assume and close on this loan. The assumption fee was much higher than we were told at the beginning of the loan. 
We told the gentlemen we wanted to make our usual payment of {$1000.00} and he said there would be a {$15.00} fee for paying via phone through a representative because the automated system would not accept any payment except the amount of {$1400.00}. I do not think in this situation we should have to pay a late fee. This is a problem they need to correct and send us information via mail as to why and what is going on.
Consumer complaint received 2024-02-15
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-28
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. (MN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. 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 written instructions
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Friday XX/XX/XXXX our accountant went into the branch and deposited our money. The deposit slip was filled correctly. While the money part was transferred back in as a result of that problem our fuel card was shut off. In order for it to be reinstated the bank has to fill out a form for the fuel company which they're refusing to do. They feel like the issue they caused is resolved but their mistake has at this point a week later has cost us XXXX in revenue. Bc that fuel card is our life line. And it goes up about XXXX a day. The manager or VP of the branch as she calls herself has no cooth or moral integrity. To fix a problem her associate caused.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (UT)

Re : XXXX This is about the deletion of below-mentioned account from XXXX on XX/XX/2022 XXXX 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX I request your Company to delete the above-mentioned account from your records immediately. 

Pursuant to 15 USC 1681SXXXX ( a ) ( XXXX ) ( b ) ( ii ), the information provided by the furnisher was inaccurate. Therefore, I request your Company to remove the same as early as possible. 

Since XXXX was given the notice the information is false, they deleted the inaccurate information.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (TX)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

I was notified by XXXX XXXX XXXX XXXX XXXX that an owed balance of {$300.00} was placed in collections for a Speedy Cash loan that is more than XXXX years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections. 

It was not identified if these people own the debt or are a collection agency.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC (NY)

The bank has cancelled the check they sent me. They closed my account instead of crediting the transaction, and everything that was paid with the check before they cancelled it has now bounced. I no longer have a current car payment, insurance, electricity payment, or merchant completed transactions. Each of them including the bank where I cashed it are charging me fees. Also, the replacement check is not listed in transactions, it is not at my mailbox, and they are trying to collect the balance owed by XXXX my kids
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX is refusing to remove fraud related account from credit report after multiple attempts and documents sent to them beginning in XX/XX/2023 just recently they just asked again for proof of identity which Im submitting the letter and also the information requested through this portal.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Phone call to XXXX and XXXX to inform them that this debt owed to Capital One Bank USA was included in my bankruptcy on XXXX 2014. It 's noted on my credit file with XXXX but not recorded with XXXX or XXXX. Asked them to follow suit with no resolution as it is being reported on both as charged off or delinquent. Then after that call it showing as updated and a new hard inquiry which is putting a negative mark on my credit file.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (GA)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AZ)

XXXXXXXX XXXX XXXX XXXX and Discover all lied to me and reported late payments on my credit report when they promised not to as I paid off the balances in full. I have the conversations recorded where they said they would not report the payments as late because I was sick qith XXXX  XXXX. All of them then immediately turned around and put a late payment on my credit. Which caused other accounts to do hard pulls on my credit report without my permission or any notice which then further damaged my credit score. 
All of this resulted in Discover card and XXXX XXXX closed my accounts due to my current credit situation, citing a reason that was not a part of the approval process when they approved the credit lines. This did further damage to my credit report. A VERY SIGNIFICANT AMOUNT OF DAMAGE. I own my own buisness and am struggling to to keep it open. Because of all of this no one will lend me a dime and I will be out of buisness before the end of the summer 2022. This completely skewed policy or loophole that allows a lender to close your account because suddenly they are unhappy with my credit score allows them to, subsequently, do a bunch more damage to your score should not be legal. Why is there no one on the side of the consumer? No pathway for recourse? I've tried calling the creditors numerous times to get them to take it off, I've disputed this with all of the mentioned creditors with the big three agencies numerous times. This has single handedly ruined my life and my future. Getting XXXX  for 2 months was not supposed to be met With financial ruin yet here I am before you, the ruined man about to be XXXX, XXXX XXXX XXXX, lose the reputation I've built around my service, and the immense amount of credit building I've been doing the last three years has been all for nothing. Thanks to all the banks and corporations who own our government. Who run our country. Who ruin our country. In the name of their greedy shareholders bottom lines. I am XXXX. Please help me.
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc. (AK)

XXXX XXXX XXXX was the place I went a few years back after a XXXX XXXX XXXX XXXX, for XXXX XXXX. I got a lawyer, XXXX XXXX XXXX, and they said " this was never found in the discovery period. ". I have TRIED to pay this to XXXX XXXX XXXX, but their phones are off and business closed! There is no way to contact them. So they, without notice, sent me to a collection agency of Cornerstone credit services.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I received the notification from XXXX  that I have a debt of more than {$200.00} for a some kind of unpaid insurance. I don't owe that! I've never recieved neither a call nor a letter from any insurance company. There's a big mistake!
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have an FHA loan through Bank of America. 
In XX/XX/XXXX, I filed for chapter XXXX bankruptcy. ( XXXX XXXX XXXX XX/XX/XXXX ) In XX/XX/XXXX, I was laid off due to Covid-19. ( See separation letter on company letterhead ) In XX/XX/XXXX, I requested Bank of America for forbearance due to hardships caused by Covid-19 and the inability to pay my mortgage. Bank of America did not respond or comply ( SEE CFPB case history ) In XX/XX/XXXXof XX/XX/XXXX, Bank of America filed a request from automatic stay to the Chapter XXXX bankruptcy trustee, which was granted. ( XX/XX/XXXX ) In XX/XX/XXXX, Bank of America put my mortgage into foreclosure. ( SEE CFPB case history ) In XX/XX/XXXX, Bank of America began reporting my mortgage past due to the credit bureaus. ( SEE CFPB case history ) In XXXX, I again asked for mortgage forbearance. Bank of America said they could not speak to me. ( SEE CFPB case history )
Consumer complaint received 2022-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One offered overdraft protection on checking accounts. They stopped the program and transitioned balances to loans. They continue to charge interest and debit my account but have offered no way to pay the loan. Ive spent hours on the phone. One person said they would arrange a transfer, nothing happened. I paid through their bill pay, sending the check to capital one loan dept. They cashed the check and did not credit my loan. So now they have stolen a year of interest on {$3000.00} and then stolen the actual {$3000.00}. They will not refund the money because they say the check was cashed. But it was cashed by them? Please help!
Consumer complaint received 2017-08-22
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. (MS)

Im not sure of the exact dates. But within the last 7 months ive submitted letters to to XXXX, XXXX  and TransUnion to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax60 days ago. I have not received as response yet and seems as if my disputes being ignored