davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Openonline, LLC (OR)

Okay so I just had a screening done to get a job at pet pantry and I got denied because of some charges that I got on my background and these charges are from 2014 okay and it was the last big case I had when I went to prison that was XXXX years ago 2014 so my threshold in this report says XXXX years and so I don't understand why that 2014 case is still showing on my credit on my background report when it's been over 7 years so that needs to be deleted and I probably would have got the job at pet pantry if that would have been deleted because they highlighted which charge made the factor and then deciding not to give me the job and it was XXXX of the charges from the 2014 case so therefore it's now interrupted me getting a job and making me look even worse and I just want it off my report I don't want to look at it anymore it's not a part of me anymore I have to pass time of my life it's over and I want it gone so please can you delete the 2014 case all of the 2014 cases from my background report they're old if you need to know dates and stuff I mean it's really simple to look at my background you see 2014 XX/XX/2014 is the first XXXX is the date filed and then it goes to XX/XX/2014 and going to go to yeah it's just all 2014 cases need to be moved or moved yeah I removed so if I can get done please thank you
Consumer complaint received 2021-05-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Volvo Car Financial Services U.S., LLC (FL)

I have a 36 month lease on a Volvo sedan serviced by VOLVO CAR FINANCIAL SERVICES ( VCFS ) Due to the pandemic, my auto needs have changed. Today I attempted to trade my car at XXXX. XXXX contacted VCFS to get a pay-off of the lease. VCFS refused to provide a pay-off and told XXXX that they will only give a dealer pay-off to a Volvo dealer. Essentially, Volvo is preventing me from trading my vehicle at other dealerships and forcing me to go to Volvo and limiting my choice of vehicles.

This is clearly a restraint of trade and a violation of the Anti-Trust laws.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

Simple Bank switched to BBVA on XX/XX/XXXX and I have not been able to access my account since then. Anytime I attempt to log in, I am directed to " forgot your password '' reset, once I've done the reset it directs me to call BBVA because my account is " locked ''. I have called twice and been on hold for more than an hour both times only to be disconnected and my call dropped.
Consumer complaint received 2021-05-12
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. (CA)

I found out that my identity information was stolen and was opened fraudulent student loans by U S. DEPARTMENT OF EDUCATION/XXXX. I submitted the POLICE REPORT from XXXX XXXX Police Department and FTC Identity Theft Report to the credit reporting agencies. XXXX  has deleted these fraudulent accounts but XXXX  and TransUnion have ignored all documentations I have sent them. I contacted XXXX  and TransUnion and they stated that the police report needs to be signed by the police officer. I went back to the police station and got the signed police report. However, these two credit reporting agencies : XXXX  and TransUnion don't pay attention to any documents and refused to resolve this problem.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX finally corrected my XXXX  report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX finally corrected my Equifax report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX XXXX  comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX XXXX  comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We had an annual fee charged on a capital one credit card that we never use. We were not notified of the balance. There was no calls or mail. When we called capital one they refused to help. We paid the balance in full including late fees. When I asked customer service if anything was sent to us he said there were emails sent. We have no record of that. We have an outstanding payment history and feel this should be removed due to lack of communication.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (WA)

My account was closed without explanation on XX/XX/2022. It seems to have been strategically timed to have happen directly after my ACH direct deposit of {$1500.00} was issued, and before it was posted to the account. I attempted to call support and got a recording saying that because my account is closed, that they are unable to speak with me over the phone. I then emailed support asking for an explanation, as well a how to retrieve the funds from my deposit. I was given a generic answer telling me to refer to the account agreement, with no mention at all of what happened to my deposit, nor how to retrieve the funds. I sent out XXXX more emails on XX/XX/XXXX and XX/XX/XXXX and have yet to receive a response.
Consumer complaint received 2022-01-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

We exit the XXXX XXXX XXXX program in XX/XX/XXXX and have still not been unable to receive our final loan documents from aour approval on XX/XX/XXXX for the loan combo motification that we accepted. 

We have called multiple times and was assured that our denial of the loan modification that was approved on XX/XX/XXXX was accepted and that our acceptance of the XX/XX/XXXX loan combo was accepted and that we would be receiving those final documents in a few weeks. 

However on XX/XX/XXXX we received the same final documents from the XX/XX/XXXX loan motification which twe declined and we are still waiting for the correct loan documents to be sent out to us with a mortgage payment of XXXX in which we did accept this agreement. We told by several of customer care personnel to start making this new mortgage payment amount starting XX/XX/XXXX and that we will be receiving the new documents with in a few weeks. 

Each time we called we are told that the new documents will be sent out to us and we are still waiting for these documents since XXXX. Also, we were told numberous times that this have been escluated to a supervisor/management and to the underwriters We would just like to resolve this so that our mortgage will be back on track and we can move on with our lives
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the XXXX XXXX. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-05-12
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. (MD)

XXXX XXXX XXXX finally corrected my XXXX  report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX XXXX comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (IL)

In XXXX of 2019 I was switching my direct deposit from a local bank to a national bank. My employer cut me a live check to deposit, but this check had 3 numbers missing from the end, which I was unaware of until 1 month ago. In 2019 when I deposited the check my new bank account with XXXX  XXXX XXXX was immediately closed due to fraud. Since XXXX of 2019 I have not been able to open a checking or savings account in my own name. I have submitted 3 separate disputes to early warning services and each time they determine that everything on my consumer report, including me being a fraud, is accurate.
Consumer complaint received 2021-05-12
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. (NY)

On several dates ranging from XX/XX/XXXX-XX/XX/XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and Equifax Data breach and have got no response.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (TN)

In XXXX of 2021 I closed on a XXXX XXXX XXXX XXXX XXXX loan 30 year fixed with company LoanDepot.Com. Through the course of the pandemic I faced a hardship and exercised my rights under the CARES act to request a 12 month forbearance. At the end of my forbearance period I requested a Covid 19 Flex Modification to add the payments to the back end of the mortgage. This is what was explained to me that I could do at the time i requested my hardship forbearance in XXXX of XXXX when the hardship was over, the company denied my covid 19 flex mod. They told me it was denied bc it was an asset loan and that i needed to provide them paperwork showing them it was a XXXX XXXX loan. I did, they told me two monthsafter my request that they had sold my loan and purchased it themselves. This is now longer considered an XXXX XXXX govt loan protected under the CARES act and they want the 12 months back payment in full. I do not have the money and they are threatening to foreclose on my property. This seems illegal to purchase the loan back one month prior to being able to request the flex modification and have them foreclose on my home. This is predatory lending.
Consumer complaint received 2021-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On several dates ranging from XX/XX/XXXX-XX/XX/XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and XX/XX/XXXXXXXX breach and have got no response.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I own a 2 Family Home in New York XXXX. This is my Primary residence and the only home I own. There is a Mortgage Loan on the house, being serviced by SPS - Select Portfolio Servicing. I have been a very regular customer since the beginning. However due to COVID 19 my XXXX Business had to be closed down, from XX/XX/2020, as the whole City was shut down by the NY Governor for a few months. As there is no business I was not able to even cover the Rent for my XXXX. So my Business is still not open. I am waiting for Govt. Loan so that I can reopen the business again. And my tenants also stopped paying rent from XX/XX/2020. Despite all these severe hardships, I kept on paying my Mortgage from my Savings until XXXX last year. Since I exhausted my Savings and many of my friends were already taking Forbearance from XX/XX/2020 itself, I also applied for Forbearance. SPS gave me 3 Months ' Forbearance from XX/XX/2020 till XX/XX/2020. Since they were pressing me for starting the payments, I somehow managed to pay for 2 months. Then again I requested them for Forbearance. But they refused for the strange reason that I did not want Forbearance. How can I say that I do not want further Forbearance, when I am suffering such severe financial hardships? 
And now they are saying I have no Loss Mitigation offers on my account, which is very very strange. I am given to understand that under the CARES Act, it allowed a total of 12 Months ' Forbearance. And now with the new Federal Govt., I heard it is extended by another 6 months for a Total of 1 Year and 6 months. So how come, SPS gave me only 3 Months ' Forbearance, and then telling me that I have no other Loss Mitigation Offers.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2020 I activated my Capitol One Walmart credit card and I made a {$200.00} payment on the account so I could make XXXX shopping. They automatically reported my card as fraud/stolen. I called XX/XX/XXXX I spent over 1 hour waiting to be connected and to solve this issue. First attempt they sent me a code via text. I sent them the code and supposed to unlock it. Never happened. XX/XX/XXXX I called back i sent pictures of my drivers license they still refused to unlock my account. About a couple days later I tried now they wanted proof of income banking information pictures of my social security card. I believe they tried to scam me and or are scamming Americans bc they sent our calls to XXXX. Capitol of the scamming world. I want my account resolved closed or opened. I pay my bill every month. This has to be against the law somehow someway PLEASE PLEASE PLEASE help me
Consumer complaint received 2021-05-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for a Home Equity Line of Credit with Bank of America. I have depository accounts and credit cards with the bank. I was denied approval despite having a XXXX credit score. I believe Bank of America is being discriminatory. Please investigate.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (TX)

I am writing to express my urgent concern regarding the delayed correction of a late open accounts on my credit report. It has come to my attention that despite my repeated attempts to rectify this issue, the late open accounts remains inaccurately reported, adversely affecting my creditworthiness and financial standing.

I have taken swift action to address this issue by contacting your customer service department, submitting formal disputes, and providing supporting documentation to demonstrate the error in reporting. However, despite my immediate and diligent efforts, the late open accounts has not been corrected, leaving me at a disadvantage in accessing credit and financial opportunities.

The continued presence of this inaccuracy on my credit report is unacceptable and has caused undue stress and frustration. As a responsible consumer, I expect timely and accurate reporting of my credit information in accordance with industry standards.

I demand immediate action to investigate and rectify this situation by correcting the late open accounts on my credit report without further delay. Given the urgency of this matter, I request expedited handling of my dispute to ensure a swift resolution.

Furthermore, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will leave me with no choice but to escalate this complaint to regulatory authorities and explore all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$100000.00}.
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The credit card on the account is a capital one account in which my mother opened back in XXXX, I never had knowledge to this at all until about XXXX in which I received letters from debt collectors stating I had to pay a fee of XXXX due to the account being closed. 
My name is XXXX XXXX I was born XX/XX/XXXX I am now XXXX years old back in XXXX I was XXXX years old. My mother held my identification and social security numbers and did fraudulent activity in my name and I have repeatedly tried to contact the company about this, even mailing them the papers they sent me back and yet still no response. They told me to file for identity theft and Ive also done that and yet no follow up. My situation even goes deeper as my mother uses food stamps in my name while in a different state, and also received my whole income tax return in XXXX without my knowledge not giving me a dime of the money I worked all year for. If I could get assistance with this situation it would be great Im tired of feeling like Im being pushed around by my parents and this company about this situation its seems they dont care if I was a child they wan na make me pay and Im not the person whose should be paying the debt owed.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I redeemed reward points for a {$100.00} gift card for XXXX XXXX. I received confirmation that the gift card shipped but I never received it. I contacted American Express and they told me the problem was that they didnt have my town listed on the address where they sent the gift card. They indicated that they would send a new one. I never received it so again I called American Express. They verified my address and then said they would conduct an investigation. Today I reviewed a letter saying that unfortunately, your point redemption is final, and therefore the gift card is not eligible for return. I am not trying to return a gift card. I am trying to receive what I was promised. Im sure they can confirm that the gift card was never used.
Consumer complaint received 2022-03-13
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. (TX)

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The Bureaus, XXXX XXXX, XXXX XXXX XXXX, XXXX AUTO, XXXX, XXXX, Rise has fraudulent accounts on my credit profile that need to be removed immediately.