davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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. (FL)

Although significant medical impacts and telephone impacts at the same time no mitigating circumstances allowed or consider XXXX YOU and no dispute or consideration! Note all outstanding creditors have been addressed and to date with 90 % paid zero balance and the other two current are in dispute and negatives challenged for years NOT CORRECT or addressed XXXXFACT- to date! And still me and my wife 's credit report is at XXXX and hers significantly under ; respectfully. What a farce. To boot- as mentioned so many times- the disputes have NOT been resolved because as I mention in my opinion the bias toward the lenders and the lenders NOT providing what I requested and reply they are " working on it '' ; HA! Opinion financial hostages to a system and organizations that just do not give a XXXX and utilize for reporting incorrectly information provided by the lenders can not be disputed even though they will write pages explaining their position. Opinion- all fluff XXXX! As for the CFPB brothers in the same cause - useless farce.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MD)

In XX/XX/2021 I got a credit card bill from XXXXComenity for {$160.00}. 
I did not open a credit card with this company nor did I order any items. Someone apparently opened this account using my name. 

I contacted Comenity by phone on XX/XX/2021 and that some had fraudulently open an account in my name and made purchases on this account. Comenity rep stated that they will open a fraud investigation. I requested that Comenity send me a letter stating that the account has been closed, that I am not responsible for the charges to this account, and that the credit bureaus will be contacted to remove this account from my credit bureau report. 

On XX/XX/2021 I created an account on IdentityTheft.gov and submitted a fraud report. 

On XX/XX/2021 I received a letter from Comenity/XXXX ( attachment 1 ) stating that " we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. '' The XX/XX/2021 letter from Comenity does NOT state that the account has been closed. It does NOT state that I am not responsible for the charges to this account. Only references " disputed amount ''. 

Because of this I created letter ( attachment 2 ) thru IdentityTheft.gov and sent it to Comenity on XX/XX/2021 requesting again to do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information of this account from my credit files. 

In XXXX I received a letter dated XX/XX/2021 from Comenity ( attachment 3 ) stating that " we have concluded that you are not responsible for disputed balance amount on this credit card account. '' In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report, if applicable. 

This Comenity letter from XX/XX/2021 states only that " you are not responsible for the disputed balance amount.. '' It does not state that any charges on the unauthorized account has been removed. There is no mention of the account being closed. So that there is the possibility that additional charges could be made to this account. 

I contacted Comenity by phone and requested a letter stating that the account has been closed and that I am not responsible for any charges to this account. The representative refused stating that the letter dated XX/XX/2021 is sufficient and there is no action planned on their end. 

This is unacceptable to as it does not preclude future charges to this account. There is nothing in writing that states that the account has been closed and that ALL charges have been removed from this account.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (SC)

This " law '' office has called me repeatedly at my office and on my cell phone ( which is listed on my office phone for patients to contact me ) saying that they have a " time sensitive issue '' for me but would not leave any information with my staff. They first titled themselves Brown and Joseph Law firm which when researched on the internet comes up as a fraudulent agency for debt collection and now, they are calling themselves XXXX XXXX XXXX. Same contact number. I do not owe anything, have received no delinquent notices of any kind from any of the companies I deal with and my accountant, who is my husband, and who is also a CPA and Chartered Accountant says there are no debts owed anywhere. How do I get a cease and desist? Also, why haven't these people been stopped?? they have been calling since XXXX leaving these vague messages. I left a message one time stating that if they could not leave a more detailed message or contact me via mail then I would not be contacting them. Please assist me ( and probably a number of other people ) with this.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (CA)

Cross country Mortgage have refused to issue a payoff letter so I can refinance my mortgage request. My loan officer was name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All I want is a payoff statement good for 15 days so I can close on my refinance. it is cost me {$3000.00} to do a rate extension due to them not issuing me the payoff. My lender XXXX XXXX has been trying to reach them for 30 days with no response. I have tried for 2 days with no return calls. something is not right. Please call me. XXXX XXXX XXXX
Consumer complaint received 2018-07-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MI)

Hello, we recently inquird about getting a commercial floorplan with Ally, during the process of contacting the correct people to decuss the different options, I was directed to speak with a XXXX XXXX a Repersentive for Ally Bank, to which my Accountants for our business reached out to him, after the initial contact, I received a email from my accountant saying that they had spoke to Mr XXXX with Ally and he had told my accountant that he could not do business with us because of a past relationship with us ( which we never had ). As soon as I read the email I was taken back I thought wait a minute we have never done business with Ally Bank in the past, so after reading the email I sent a follow-up email to my accountant letting them know about the incorrect info the Ally reperentive has told to him, and requested his info so I could make contact. 
Once I received the info on who to contact, I sent a request to a XXXX XXXX at ally bank requesting a meeting to discuss the details of our business and apply for a loan, while also explaining that we never had a account with Ally Bank and that he must have been referring to previous owner of the business we bought out when we opened our new dealership, and that we would just like to opportunity to apply for a loan with Ally. 
after sending the message a short time later I received a response from Mr XXXX with Ally Bank, But once again I was met with resistances, he says in the message i quote " I have no choice, XXXX. My company will do an extensive background check and will find this. 

Thank you for reaching out, but its out of my hands. 

And he sent a news clip form wood TV 8 from XX/XX/XXXXwhen a customer filed a complaint against us with the state. Which at the end of the day was settled and ended. 

Once I received his message back I was very upset and hurt, and couldn't understand how because of a invalid complaint from a customer would allow a bank to denie me from appling for a commercial loan. After I did some more research I found out that the person who said I could get a loan ( without every taking a application ) Mr XXXX with Ally Bank, to find out he was the person I replaced when I took over a running this store in XXXX before I bought out the owner was infact Mr XXXX XXXX with Ally bank, so I kinda feel this might be more of a personal problem then corporate mainly because I have never been turned down for a loan I never got to apply for. At this point I would like Ally Bank to be fair with there lending pratices and not allow for this type of treatment for XXXX XXXX XXXX, if someone wants to apply for a line of credit they should be allowed, and not held off by someones personal issues. all we our looking for is a chance. But we weren't even given a chance to get turned down, we we're simply rejected because of hear say.
Consumer complaint received 2018-07-06
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: CREDIT ACCEPTANCE CORPORATION (TX)

To Whom It May Concern, The reason for me filing this complaint is due to Credit Acceptance failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

I recently pulled my credit reports and noticed 3 XXXX accounts in collections. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

We refinanced our home loan with XXXX XXXX  and the monthly payments should have been Principle and interest- {$750.00} per month. 
In XX/XX/2021 the loan was transferred to Flagstar Bank and now the payments jumped up to {$1.00}, XXXX with some Escrow fund which should have not been there. 
Due to this transfer of loan from one company to another.
Consumer complaint received 2021-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

Logged into Amazon card account on XX/XX/XXXX. Showed payment due of {$27.00} on XX/XX/XXXX so I made the payment that day. Logged in on XX/XX/XXXX and it showed payment was 2 days late and I was charged a late fee of {$35.00}. So I made another payment on XX/XX/XXXX for {$30.00}, even though I knew I had already paid my minimum payment due on XX/XX/XXXX. On XX/XX/XXXX I made another payment of {$25.00}. On XX/XX/XXXX I logged in and saw a minimum payment due of {$70.00}, more than double the usual amount. Talked to customer service who said it was because of the late fee. After explaining I should not have been charged a late fee, the rep said they would remove it. But they refused to change my minimum amount due back to {$35.00}. I explained I can't make a payment of {$70.00}, and shouldn't have to since they claim to have removed the late fee that I never should have been charged. They would not help me and fix the payment due. I made a payment of {$35.00} that day, XX/XX/XXXX. Synchrony bank has now locked me out of my online account and won't even allow me to reset my password, thus preventing me from paying the additional {$35.00} due by today, XX/XX/XXXX. So now they will charge me another late fee. I tried their online account chat but it never connected me. I called customer service and kept getting hung up on when they said they were transferring me. This is clearly very shady business practices in order to scam customers out of money for late fees. I've had this account for years and never had issues logging in until I complained about this billing issue. And now they've completely removed my online account access to prevent me from making my payments on time. Their unscrupulous business practices need to be investigated.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2018-07-06
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. (TX)

To Whom It May Concern, The reason for me filing this complaint is due to XXXX XXXX XXXX failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Consumer complaint received 2021-04-16
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am not the originator of the enclosed information on my credit report. 

INQUIRIES XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2021-11-17
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: Ashton & Weinberg, Inc. (MA)

A company I own had a service provided by a vendor. That vendor had an unpaid bill from my company ( ~60 days ). The vendor made no attempt to reach us to resolve the matter and utilized the services of Ashton & Weinberg to attempt to collect their debt. When reached by XXXX XXXX of Ashton & Weinberg, on XX/XX/XXXX and notified of the uncollected invoice of the vendor, the payment was immediately made by our company ( same day XX/XX/XXXX ). At the same time, Ashton & Weinberg made a hard inquiry into my personal credit information, despite the fact that this debt was for a company that I am part owner of. I have made multiple attempts to reach via phone and email to the offices of Ashton & Weinberg to ask that they remove/revoke the inquiry into my personal credit file, with no response.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: On Q Financial (CA)

On Q Financial has reported us XXXX days late on our mortgage. We have resumed payments after our forbearance back in XX/XX/2021 and have not missed a payment since. This has negatively impacted our credit. We are XXXX scores and are dropped down to the XXXX. Secondly we are still waiting for a final statement from XXXX XXXX regarding the closure of our forebearance as well as an updated and corrected balance. On XXXX puts us through massive phone trees when we call in and when we leave messages for higher ups we never receive a phone call back.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (LA)

As of recently I have been going through my credit report to build my business credit and I noticed several inaccuracies on my account. These accounts are hurting my ability to obtain business credit. It is to my knowledge that your company will investigate the item for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX : 1 ). Name : XXXX Account # XXXX {$0.00} 2 ). Name : XXXX XXXX XXXX Account # XXXX {$XXXX.00} 3 ). Name : XXXX XXXX Account XXXX XXXX XXXX : 1 ). Name : XXXX Account # XXXX 2 ). Name : XXXX XXXX Account XXXX XXXX XXXX : XXXX ). Name : XXXX XXXX XXXX Account # XXXX 2 ). Name : XXXX XXXX Account # XXXX
Consumer complaint received 2021-08-24
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBERS MORTGAGE COMPANY, INC. (CT)

I asked for refinance on our property with XXXX in XXXX XXXX. It was backed by membersmortgage. They took our application since XX/XX/XXXX with around XXXX dollars. The loann originator was XXXX XXXX XXXX # XXXX. Then last week after months of calling and not answering his phone. I left messages after messages without answer. He came back that we were not qualified.
Consumer complaint received 2021-04-16
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. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-17
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. (GA)

Transunion customer service would not help and take care of the negative inquiries reporting to your credit report which are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX