davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I spoke with Bank of America in XXXX and told them that I had been dealing with unemployment due to COVID, but would be starting a new job in XXXX. In early XXXX, a payment didn't clear my account and I immediately made a payment from my new account on XX/XX/XXXX. On XX/XX/XXXX, Bank of America closed my account without any notice after 17 years with them. A phone call, an email, a secure message or anything else would have stopped this. But I did not know I was even at risk of having my credit card that I have had for 17 years cancelled. At the time they closed my account, I was not delinquent and I currently have made my next payment. 

When I called them after receiving the letter about my cancellation, I spoke with one of their representatives who told me that my card was eligible to be reopened, but she needed to transfer me to a different department. That department informed me that there it was not possible to reopen credit cards and I would need to submit an application for a new card. 

This is ridiculous and credit card holders should be given some protection from having their card canceled with no warning and should not be lied to by their representatives about options. COVID has been hard on many people and FI 's are extending the struggle by taking actions that will stay on a credit report for years to come.
Consumer complaint received 2017-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company (CA)

Dear CFPB : I am trying to Refi to consolidate my debts so I can only have one payment : home mortgage. 
Company : J.G. Wentworth Date : Wed, XXXX XXXX 2017 XXXX XXXX PDT From : XXXX XXXX ( my loan officer / LO ) To : me ( my email ) Subject : Update on your home loan inquiry After this only one and initial contact, I could never contact my LO again.
I left her emails and vmails but to no avail. 
I have NO idea where my loan is standing. 
I have to go to her Supervisor to obtain the Appraisal Report that I paid outside of closing. 
I think there is something " fishy '' about this LO. Why do you have to hide from me, your customer??? ( figure of speech ) Please help. 
I have NOT signed the closing paperwork yet, and I have the 3-day Rescission period to protect me, a borrower.
May I ask you to intervene to find out why I am being left stranded.
I will look for another company to Refi. 
Thank you very much, sir/ma'am, s/Borrower PS : to all borrowers out there, please DO NOT GO TO J.G.WENTWORTH TO OBTAIN A LOAN. SOMETHING " FISHY '' IS GOING ON WITH THIS COMPANY.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XX/XX/year> XXXX Opted-out third party reporting & Credit Reporting Updates XXXX XXXX XXXX and Equifax refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting an inaccurate address that does not belong to me. I have already called and wrote letters requesting this to be removed. Please remove this address that I have no association with. 
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX
Consumer complaint received 2021-07-26
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. (WA)

HI, Experian is reporting a delinquent account that has included in a bankruptcy in 2016. I provided proof that the account was included in the unsecured part of the chapter XXXX filing with a chapter XXXX case number and location of filing. I disputed the claim again in hopes they will correct this error. I also called the collection agency and they said they never received discharge paperwork, how convenient. I showed them the required format the courts demand for proper mailing. I also provided proof that the format was followed perfectly. I am fed up with this delinquent account hurting my credit rating and causing issues with credit line increases. I hope this does not fall on deaf ears and something can be done. I filed, they got notice and just pretending they didn't so they can continue to hurt my credit. 

Thank you, XXXX
Consumer complaint received 2022-01-28
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)

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 XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

XXXX XXXX Services date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
XXXX  date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
XXXX XXXX XXXX date of inquiry XX/XX/XXXX. 
XXXX XXXX XXXX date of inquiry XX/XX/XXXX. 

XXXX  date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 

The list above are companies that have been listed for inquiries in my credit report. I have not authorized any of the inquiries made by these companies
Consumer complaint received 2022-01-28
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX. XXXX5 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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 XXXX years. Lastly, 15 USC 1681 s-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 in accurate.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CT)

I am trying to set up the Experian account to get free credit report and credit monitoring as part of settlement. When I login, Experian says it will send a text message to my OLD expired HOME PHONE which can not even receive text, I can not choose the " Choose security Questions '' option as this is erroring out. A phone number is given to contact Experian and when I call, I can not reach a human being, the automated call response boldly states, either you deal with the automated option or disconnect, it is incredibly frustrating.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maury Cobb, Attorney at Law, LLC (AL)

`I closed my XXXX account # XXXX In XXXX 2021 ( after 20 years ) was sent a final bill of {$55.00} which was paid XXXX 2021 in full. The next month they sent me another bill and said I owed more money ( XXXX ) for a cell booster that they sent to me XXXX years prior and wanted me to return it. I had moved from that residence and no longer had the booster that was attached to that building. I was sent that booster as a courtesy because I was cancelling my service with XXXX since i had no cell service at work all day and at home I had to walk outside the building to get a signal. Nothing was ever said or signed for that I had to return this device or be charged for it or a contract. I contacted them numerous times but they insisted I return or pay for it ( I was a prompt paying customer for 20 years! ). They then turned it over to XXXX Collection Account # XXXX and then XXXX XXXX, Attorney Acct # XXXX. I have contacted both by certified letter that i did not owe the bill and sent proof of the Final Bill from XXXX for {$55.00} and to either send me proof that i had to return or pay for this item and if not to remove it from my credit. I have had no response from them since that. I started disputes with all XXXX credit agencies, XXXX removed it, XXXX removed it but XXXX will not. XXXX has reposted it on my XXXX using a different account number and they removed it again. I need help getting this off my XXXX credit report. I have very good credit and do not deserve XXXX or XXXX doing this to me especially after my loyal payment for XXXX  years.
Consumer complaint received 2018-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (AZ)

In XX/XX/XXXX LJ Ross Associates began contacting me about a debt that they claimed that I owed to them. During the initial phone call, which is recorded by the company, I disputed their claim informing them that I have no connection to or ever received any service from LJ Ross Associates. In XX/XX/XXXX I received a copy of my credit report and found that LJ Ross Associates is reporting an unverified debt. I have disputed this four times with all three credit bureaus and twice with LJ Ross Associates directly.

On XX/XX/XXXX I sent a certified return receipt letter requesting that they validate this debt they are attempting to collect within 30 days. They received the letter on XX/XX/XXXX and refused to respond yet continued to update their negative reporting on my credit reports every month following the receipt of the letter. On XX/XX/XXXX I sent a follow up letter requesting that they remedy the situation and they responded by sending me an account analysis from a utility company which does not validate that I owe a debt to LJ Ross Associates. 

LJ Ross Associates has failed to provide me with any documentation bearing my signature showing that I have a contractual obligation to pay LJ Ross Associates for the debt that they are reporting on my credit reports. I have never entered into a one month termed contractual agreement with LJ Ross Associates. However they are reporting these inaccuracies on my credit report in addition to a seriously past due negative payment history. I request that this entry be removed from all of my credit reports immediately.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (AL)

`I closed my XXXX account # XXXX In XXXX 2021 ( after 20 years ) was sent a final bill of {$55.00} which was paid XXXX 2021 in full. The next month they sent me another bill and said I owed more money ( XXXX ) for a cell booster that they sent to me 6-7 years prior and wanted me to return it. I had moved from that residence and no longer had the booster that was attached to that building. I was sent that booster as a courtesy because I was cancelling my service with XXXX since i had no cell service at work all day and at home I had to walk outside the building to get a signal. Nothing was ever said or signed for that I had to return this device or be charged for it or a contract. I contacted them numerous times but they insisted I return or pay for it ( I was a prompt paying customer for 20 years! ). They then turned it over to XXXXXXXX XXXX  Account # XXXX and then XXXX XXXX, Attorney Acct # XXXX. I have contacted both by certified letter that i did not owe the bill and sent proof of the Final Bill from XXXX for {$55.00} and to either send me proof that i had to return or pay for this item and if not to remove it from my credit. I have had no response from them since that. I started disputes with all 3 credit agencies, XXXX removed it, XXXX removed it but XXXX will not. XXXX has reposted it on my XXXX using a different account number and they removed it again. I need help getting this off my XXXX credit report. I have very good credit and do not deserve XXXX or XXXX doing this to me especially after my loyal payment for 20 years.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

On my XXXX XXXX phone all XXXX credit reporting company 's login and passwords all taken off screen. Login will not work i have all XXXX with a security freeze. Sense a year ago there should be no activity on these accounts.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, and XXXX XXXX XXXX XXXX. Please see the attachments.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I asked that you validate and investigate these inaccuracies. Despite your non response, the following incorrect items remain on my credit report. These inaccuracies are severely damaging to my credit report.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (LA)

On my XXXX XXXX phone all XXXX credit reporting company 's login and passwords all taken off screen. Login will not work i have all XXXX with a security freeze. Sense a year ago there should be no activity on these accounts.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

For as long as automatic payments by my bank were available, ( at least 10 years ) I have used that system to pay my bills. I have been paying my Capital One business credit card by auto payment since XXXX of 2014. Last year Capital One raised my interest rate to 30.4 % due to two payments being a couple of days late. I contacted Capital One and my bank and told them that one or the other of them was to blame. I had not made any changes to my auto pay process. Capital One admitted that they may have been responsible so they credited the account some money to compensate for the error. However, they left the penalty interest rate intact. I called them today and complained again and they said there was nothing in the world they could do to help me. I can prove by my credit report that I have never in my entire life had a single " late '' payment or derogatory remark on my credit history over thirty one separate accounts. I am livid that a company can arbitrarily raise interest rates to a usury level even if a payment was a couple of days late possibly due to the mail delivery.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

The vehicle was stolen and covered by insurance and cap insurance. The car company is reporting that a balance is owed even though they received payment from the insurance and gap insurance companies. During phone calls after the vehicle theft, loan company told me to cease payments but are now showing a balance for interest incurred between the theft and when they received payments from insurance company and gap insurance company. Loan account was never late and is paid in full but loan company is reporting a balance due and late payment.
Consumer complaint received 2022-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

My lender has been applying my payment to interest only and splitting the loans applying daily interest and charging me for the balance of the total loan offered. Despite the fact that I returned or only borrowed a portion of the original loan. My consolidation company has used the amount of all loans and applying that rate toward interest, by doing so the loan has been extended numerous times. I have been paying for this loan since 2006 and the loan balance has not changed. They are churning and creating new loans and using my original agreement to extend the contracts for another loan. This has happened numerous times as the original loans were for 72 months. I did not agree nor was I advised that this would be happening for the next 14 years of my life. I have tried to work with them but they offer a new loan agreement which would extend my loan payments further and do not offer to change original terms. As a private loan servicer they have no government oversight as consumers we have no rights or ability to change anything they only offer more loan products to extend the life of the loan and we are penalized for making payments late and or not agreeing to their terms.