davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX report my XXXX XXXX XXXX credit card two times. 1-as " lost or stolen ''. 2. as paid on time satisfactorily. The " lost or stolen '' is also reported as Derogatory Information by Experian. 
On XXXX/XXXX/15 I phoned XXXX XXXX XXXX to voluntarily cancel my cc because I had n't used it for a long time. I got caught in a telephone loop and finally yelled " LOST CARD '' hoping to speak with a live rep. The loop continued to say that I would be sent a replacement card. I hung up and immediately phoned again. After another 15 minutes of telephone loop I somehow finally got a real live rep. Told her that I had just previously reported my card as " lost '' hoping to get a rep. That the card was in my hands and NOT lost. Told her not to send a replacement card and that I was voluntarily canceling the card. She corrected their records to reflect a voluntary cancellation and not a lost/stolen card. The above XXXX credit report agencies are still double reporting this card as mentioned above. They should correct their records and report the card only one time ( not two times ) as closed per customer request and delete any and all references to lost/stolen. Likewise, if appropriate, recalculate my credit score if appropriate. 
Thank you so much for your assistance now and in the past. 
XXXX XXXX XXXX
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i called the credit bureaus Transunion, XXXX, XXXX  and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.
Consumer complaint received 2023-09-18
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. (IL)

I am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I paid the loan off XXXX on a car loan XXXX years ago ons it is still on my credit report I talked XXXX and they said it was up to the. Credit bureaus to take it of I want it off I paid the money to pay my loan off so discusted
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CA)

My Ally Bank card was charged {$890.00} from an unknown merchant and was an unauthorized transaction. To solve this, I contacted my bank and although providing evidence and a XXXX police report, they refused to consider fraud. Along with this, customer reps from Ally lied multiple times about filing a fraud dispute claim when calling. As a young man straight out of college at his first job, {$890.00} is quite a bit of money for Ally to refuse reimbursement. Along with this, I have been a customer for over 5 years ( Family 20+ years ) and will have to move banks since they can not even keep my money safe.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XXXX sold my mortgage to Mr. Cooper. The promise was that all payments of the mortgage would remain the same. As a result of an error on XXXX, there was a negative balance sent to Mr. Cooper. As a result, XXXX sent a check to correct this to Mr. Cooper on XX/XX/2022. The check number that was sent was XXXX. This balance was subsequently never corrected on my mortgage, and I pay more every month than I am supposed to. 

I have called Mr. Cooper every month for the past 9 months to correct this, however they have been unable to.
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (TX)

I'm trying to fix my credit and I call JPMBC-Auto " chase bank '' to find out about my acct to negotiate. I call to get verification on the whole acct they denied that information and I ask for a supervisor he told me that same thing so, I ask to get a letter of agreement to settle this issue they denied that too. call back again today XX/XX/XXXX the lady gave me a whole different story from the 2 previous agents. account was open XX/XX/XXXX account was Charge off, {$0.00} written off {$1800.00} past due but it was charge off since XXXX was update in XXXX XXXX i ask about the car title they didn't want to give me information about either. agents i talk was XXXX Id # XXXX XXXX Id # XXXX
Consumer complaint received 2022-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IL)

During the covid pandemic I was on the forebearance program where I did not have to make payments. Prior to my foreberance period closing I sent a mortgage payment in via check for the month immediately after the forebearance period ended. I also came into some extra money and after I sent in payment I sent in a payment for {$10000.00} to go towards my principle. I logged into my account and noticed that the payments were received but they were not applied correctly. On XX/XX/22 I spoke to a representative on the phone her email was XXXX and she gave me tracking # XXXX Since XXXX I have been trying to have this rectified. I have sent several emails to LoanDepot and Spoken to them most recently a rep told me that I was past the time to have payments applied. I have been shut out of my account since XXXX and have not been able to make online payments nor have the issues I presented been addressed. I have sent the following emails below on several occassions. 

To whom it may concern, I am following up to our phone call. I wanted to send a recap of the issues I need resolved on my account. 

1. First Forbearance, when I logged into my account it said that I am 60 Days past due but in my letter it states that forbearance ended XX/XX/22 so that means my first payment wouldve been XXXX. I do not want it to show that I am behind on my credit. 

2. I also emailed on XX/XX/22 to have my forbearance payments moved to the maturity of the loan. 

3. I sent in multiple payments and they werent applied right. On XX/XX/22 you received a {$2200.00} payment that should have been applied to XXXX Mortgage Payment. I also had a {$10000.00} payment sent in on XX/XX/22 that should have been applied to the principal but it shows status UNAPPLIED. 

4. I have a notice in my account that says my payments are going up on XX/XX/22 by {$470.00} can you verify that this is not a permanent increase and if you can let me know how long I will need to make these additional payments. 

Thank you in advance for all of your assistance with this Matter. 


Looking forward to your kind reply.
Consumer complaint received 2020-02-23
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I got a phone call XX/XX/XXXX stating they were XXXX XXXX threatening to turn off my electricity. They prompted me multiple times to use Zelle to send them money. Phone number XXXX ( XXXX ) XXXX. Once i hung up i saw that XXXX XXXX does not accept zelle. My bank XXXX would not take responsibility nor zelle. I called the number back to urge them send the money back. They told me you knew this was a scam and hung up. They took XXXX & XXXX from my business account and XXXX from personal account.
Consumer complaint received 2022-08-31
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. (FL)

On XX/XX/2022, I sent Equifax, XXXX XXXX and XXXX certified letters regarding two inaccurate and unknown things on my credit report. I looked at my credit report today and I have not received no response. Yet my credit score continues to plummet. I feel I am being taking advantage of and my dispute letter is being ignored. According to Fair Credit Reporting Act Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I am just obeying the law. Since 30 days have passed and I have not gotten any response from them and my credit score has gone down, I demand those phony accounts be deleted or I will file for litigation due to stress on my life. Trying to call them is a waste of my time because the answering service tells me they can't take my phone calls today and to call back later and hangs up. Because of their negative reporting, I can't rent an apartment, forget buying a house and can barely get a credit card. I am tired of getting rejected every time I apply for credit card. My information was also impacted by Equifax, XXXX XXXX and XXXX data breach and have gotten into the wrong hands of the wrong person. How do you think I feel?
Consumer complaint received 2019-09-24
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. (CA)

I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

We had a lapse insurance coverage from XX/XX/2022 to XX/XX/2022. This was because we were out of country and missed renewing the policy on time. We did reinstated the policy and provided the proof of insurance on the mentioned website as soon as we received the communication mails from lender ( Flagstar Bank ) upon our return. In those mails they did mention that they will need to buy the insurance and lender purchased insurance will be expensive ( off course we did not see all that till we got back ). 

For the 30day period, lender is charging us {$520.00} for the 30 day period of missed insurance ( almost. This feels very egregious and is more than 5X the insurance cost that we currently pay. 

Upon my research, I found that under section " 1024.37 Force-placed insurance '' of Regulation Z, that such charges should be bona fide and reasonable. I do not believe that this charge is reasonable by any means and appreciate your support in resolving this issue.
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I purchased GAP Insurance with the purchase of my vehicle at XXXX XXXX in the event something would happen. I didnt have the vehicle 2 weeks and someone/persons did a drive by shooting on my vehicle and totaled the car. My loan was through Huntington Bank My GAP insurance did not pay the whole amount of the loan as stated when purchasing the extra coverage. XXXX remains on my credit that I do not owe.
Consumer complaint received 2022-08-31
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. (TX)

Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire meltdown, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my hair to fall out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.
Consumer complaint received 2017-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

Today on X/XX/17, I went to the XXXX XXXX XXXX in XXXX XXXX,  CA to shop at the XXXX XXXX XXXX XXXX clothing store. The sales associate who rang me up applied a store credit card under my name without my consent. She did n't even ask me about applying for a card. The cashier asked me for my social security number on the keypad to look me up as I remember in the past I used to have a credit card with the store. I only gave her consent to look up my existing credit card and she asked me for my identification, which I provided. When she rang me up I said I wanted to pay with the credit card that was in my hand and she said she just billed the existing store credit card. Since she had already done that I let the issue go. On the screen that i signed it just said that I promised the card issuer that I would pay for the amount on the screen. After the transaction she gave me the credit card disclosures and wrote that I had a new account opened on X/XX/2017. On the printed and electronic receipt I have on my email it also said she applied for a new credit card. I asked the sales associate telling her that I work for a bank and it 's illegal for her to apply for a new credit card for me without my consent but she told me it was on my existing credit card from many years back. I tried calling the issuing bank from the disclosures but it is a holiday weekend and the automated system did n't recognize my information. It advises me to call back during the weekday. The problem I have with this is that the associate never even asked me the consumer if I wanted the credit card. She just applied for it without my consent. I believe she used my drivers license information on the credit card application as well which is my previous address and not where I currently live. After the holiday I plan on contacting their corporate office as I looked online and there have been numerous complaints about opening credit cards without client consent.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (NV)

I don't owe anything to the following account : XXXX XXXX XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate these accounts thoroughly and make the necessary corrections or just remove the account automatically.
Consumer complaint received 2019-09-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX claim I owe an old auto debt for which I called for a voluntary repossession to its original creditor who goes by the name of capital one auto. At that time I lost my job and couldnt pay for the car. Unbeknownst to XXXX  XXXX XXXX, capital one auto has already made their money back through an auction. I know this to be true because capital one auto sent me the bill of sale. So if they got their money back, why would capital one auto get a third party to pay them extra money that they already received from the auction? According to my attorney, since the repossession happened roughy 15 years ago, under the statutes of limitations, XXXX XXXX XXXX are not legally able to sue me after 4 years after the repossession happened. Besides, even if they could sue me, I dont make enough money to pay them because I only make {$600.00} a month through my pension and Im struggling as it is to take care of my elderly mother.
Consumer complaint received 2024-01-30
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. (MO)

Experian closed this complaint seconds after another complaint without addressing the issue but giving computer generated responses. This fraudulent company gets rich from stealing people 's payment history AS REQUESTED FORWARDED TO THE F.T.C AND D.O.J.
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I made a transfer from my account in XXXX to my Chase checking account in the amount US {$20000.00}. By mistake I typed one wrong number on the receiving account. 
Immediately I notified my bank in XXXX of the mistake, and they in turned immediately contacted Chase to rectify the problem.

In the transfer document my account name was clearly shown, I was under the impression that before consumating the transfer, the receiving bank ( Chase ) would confirm the name and the account match.

In any case I have been in touch with Chase, spoken to several people at various levels and I am told that nothing can be done, that I should try to contact the receiving party, seems like the money was deposited in someone else 's account in California. 

Although I have tracked the person in California and have been unsuccessfully trying to contact them for a while now, I don't feel I should be dealing with this person. 
I feel Chase is not helping rather trying to make the problem go away and not confronting their responsibility in the matter. 
They should have confirmed all information before accepting the transfer, and if something did not match rejected the transfer. 

Kindly advise if there is anything that you can help or if you suggest I seek legal advise. 

Thank You
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

This company calls repeatedly. I already told them several times that the person theyre trying to reach isnt me, they have the wrong number. Theyve been calling at least 10 times a week for almost a year and they never leave a voicemail. Theyve even threatened me and told me that if Im lying, I will be put in jail. They dont stop. I put my phone on silence because of them so I end up missing phone calls from people I actually know.
Consumer complaint received 2022-04-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I filed for bankruptcy in 2015 and all debts forgive. However the company holding my student loan has refused to forgive any loans and keep charging interest on those loans. I have been unable to pay any portion of the loans meanwhile they just keep accruing interest.