davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation (PA)

The card in question is the XXXX XXXX XXXX by OneMain Financial XXXX I applied for the card and was approved on XX/XX/23. I received the card on XX/XX/23. At the time I received the card it came to my attention that there was no web site available to monitor the card on my PC. Everything must be done via an app. I am a senior and not all that tech savvy and I have no apps on my cell, I pay all of my bills via a paper statement. I spent a week trying to get their website to work and was repeatedly told their " website was not available at this time '' and they do no issue paper statements. Via a phone call on XXXX, I requested they close my account and SEND ME NOTIFICATION that my account was closed. I was told I would receive a letter verifying the account was closed. XXXX week later I called the number on the back of the card, which I had cut in half and via the phone I was told the account was open and what was available to spend. One week after that, I made another phone call and received the exact same information. On XXXX, I spoke with a representative at that number and was told that system will tell me the account is open, but my account is closed. Huh????? How can it show it is open with an available balance but be closed?? I again asked for a written letter stating the account is closed via my request and here we are in XXXX and still no letter. I am getting no where with this company and I feel they keep giving me the run around ... .They could have typed and sent me a closed confirmation letter faster than I typed this to you. Can you help please get them so send me a written, paper letter verifying the account is actually closed? Thank you so much for your time. On a side note, I kind of feel it's kind of age discriminatory as many people in my age bracket and older don't use an app, don't even know how to use an app for them to issue a credit card without providing a website to use and monitor and for them not to mail out paper statements. Thank you again for your time. XXXX XXXX
Consumer complaint received 2017-12-24
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. (OR)

Over a year ago, XXXX XXXX " blacklisted '' me after attempting to steal from me ( a previous complaint covered this ), and has repeatedly pulled my report since ( see " XXXX XXXX '' and " XXXX XXXX '' for all false inquiries ) then and told me that they 're " reviewing my credit application '' and would get back to me. I have the link to check what 's going on ( well, to see what card they say they 're looking over ) which is here : XXXX XXXX  XXXX. ( See " XXXX XXXX '' and " XXXX XXXX '' for some recent attempts of this as seen in their system. ) I have tried to reconcile this fraudulent use of my credit report as well as their theft, and they have continued to stonewall me ( see " XXXX XXXX '' that shows them explicitly stating that they refuse to listen to me at all unless I show them " new information, '' despite showing plenty ). I believe Experian ( the credit report that the inquiries from XXXX XXXX show up on ) previously asked that I dispute this through XXXX XXXX, so XXXX XXXX stonewalling me has made it impossible to get the several false inquiries removed. 

It is additionally evident that they are false and unauthorized as XXXX XXXX 's system shows that the " applications '' are all " cancelled, '' and they never give/gave a further explanation for that.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Yesterday I received a court summons filed by XXXX XXXX XXXX, XXXX who represents Bank of America in my PO Box when checking for my car registration. I had contacted the firm while still at the post office to get started in planning a payment arrangement, explaining to them that I had a death in the family and was recovering my finances and getting up to date with a variety of bills along with taking care of the deceased estate and caring for the deceased while she was in the hospital and the nursing home. I had explained also that Bank of America was engaged in theft and filed a complaint against them about that. I contacted them this morning and after being on hold for a hundred years and several attempts, I reached a non-attorney debt collector by the name of XXXX, who stated that I need to recant my complaint with the CFPB before they can talk to me. I then contacted the CFPB and was informed that they had no right telling me that. I then attempted to call them and with no avail.
Consumer complaint received 2019-09-12
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: Experian Information Solutions Inc. (UT)

I filed a Dispute against these collection agencys : XXXX XXXX XXXX in the amount of approximately {$5000.00} on XX/XX/2019, explaining that this is not my account. I also disputed an account with XXXX  in the amount of {$370.00} I requested that they send me any documents that I signed obligating me to any debts with this company. On XX/XX/2019 I received a reply from Experian that both of these debts were verified and will remain on my file. I did not ask them to verify this, there is nothing to verify, its not mine. 
The FCRA allows for an answer within 30 days. The law is clear. These companies did not supply me with any signed by me documents that obligated me to them. By law these should have been deleted. Further, I also disputed 3 other collection accounts that were not mine that Experian did delete, to their credit, however the prior month my credit score, that I paid for, was XXXX. Since deleting 3 collection accounts, my credit score is  now XXXX and lowered my debt by {$1600.00}. Since when does your credit improve and your score gets lower? Then they send new credit card offers for people with bad credit at exorbitant interest rates that they admittingly receive compensation for. I am suffering personal monetary losses due to Experians # 1. Not removing inaccurate information within the 30 days prescribed by law and # 2. Falsely lowering my credit scores for their unjust enrichment by offering bad credit credit cards that they get paid for ultimately by me.
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The current status is all wrong and is greatly affecting my credit profile. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-25
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. (TX)

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (AL)

Tower Loans has been reporting an alleged account on my credit file from the 3 credit bureaus as a charge off with a balance of {$2200.00} and the payment status on the account is showing as current. This is negatively affecting my credit. They have not provided me with an original contract with my signature nor the account reporting for this tradeline.
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

I am requesting for a update to all three of the credit reporting agencies for me XXXX XXXX and XXXX XXXX for 30 + delinquency reporting for XX/XX/XXXX and XX/XX/2019. I have encountered some medical issues in the beginning of 2019 and have tried my best to keep up with my bills. I am asking for a goodwill update due to the unforeseen circumstances with health that caused the payments to be late.
Consumer complaint received 2019-09-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (AZ)

I took a interest only loan on my house for {$310000.00} agreeing to {$2500.00} per month. Three months into the loan it was sold to BSI Financial Services and there was no problems until XXXX, when I attempted to make my XXXX Payment the person I spoke with in customer service said " your loan in under a periodic review by the federal government '' because of this we are unable to take your payment at this time call back next week. After 3 weeks of this customer service finally said " just mail a check '' so I sent them a check for 2 months of payment, yes a paper check. The company sent me a statement XXXX for {$9000.00}. What I didn't realize till it was too late that the company was stalling in order to charge excessive fees, charges and anything else they can. They intentionally stalled me for a month saying it was the Federal Governments fault for auditing my account and therefore I have thousands of dollars in late fees. I have made several attempts to contact the company, results vary from them " graciously '' refunding 1 of the 17 or so different fees ( I can't sort them all out ) to them hanging up on me after 9-12 minutes.
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (IL)

I was a victim of identity theft in XX/XX/XXXX and XX/XX/XXXX. I was working with a company through XXXX. The company was named XXXX XXXX. They had an FBI agent come to our house and pick up packages we had not ordered and take information from us. XXXX XXXX told us to pay the amount on our credit cards that we owed and not pay the fraud charges. American Express said since we paid anything that means we are responsible for everything. XXXX XXXX said they had settled everything but would not send us any paperwork. Now American Express claims I owe {$21000.00}. Most of these charges were made out of state. My wife is XXXX and I am XXXX years old. We never travel anywhere. 
I have called XXXX XXXX several times. They are no longer associated with XXXX. They claim they do not keep any records. They will not help at all. 
In XX/XX/XXXX I spoke with the fraud department of American Express several times. Although they said they were looking into it, nothing was settled. 
I need help because I do not owe this money. I thought this had been settled 2 years ago. I have filed a police report
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, I file a complain with cfpb in response to Bank of America inquire, I was contact by Ms XXXX XXXX the Regulatory Complaint Department She need to Verify to see if i was the one who submitted the complaint, I also tried to contact her to let her know that i was the one who contact and submit the complaint by i lift her a vice also to point this out, On XX/XX/XXXX came i got an email stating that it need Authorization from me which they dont have or was provided with so today i am resubmitting this complaint letting both parties that I the consumer is resubmitting it and if you need any other please reach out to me and also let the person who is responsible point of contact for bank of america be reachable for the consumer during busing hours and please returned my calls even when i an unavailable sometime during the day hours, I hereby state again that the consumer is resubmitting this inquire not a Third Party as was stated in the first Response I Received Back from CFPB. 

ON XX/XX/XXXX I ANSWERED TO A XXXX AD THAT WAS ADVERTISING FOR WORK. A MALE NAME XXXX ANSWERED ME AND STATED THE FOLLOWING TO ME, I WORK WITH XXXX XXXX XXXX. WITHIN THE LAST YEAR A PRIVATE MONEY ORDER COMPANY HAS BEEN TRYING TO TEST AND IMPROVE THEIR MONEY ORDERS. THE OVERALL GOAL IS FOR THE MONEY ORDERS TO CLEAR WITHIN HOURS INSTEAD OF DAYS. EVERY TIME I HELP TO TEST THEIR MONEY ORDERS, XXXX GET PAID. XXXX FURTHER STATED THAT ALL I HAD TO DO IS WITHDRAW WHAT I DEPOSIT AND ASKED WHAT BANK I WAS WITH AND WOULD I BE WILLING TO OPEN AN ACCOUNT FOR IT WITH XXXX XXXX AND THEY WOULD PAY THE OPENING FEES AND AND THAT I CAN EARN {$1000.00} PER WEEK. I STATED THAT I WILL GAVE XXXX THE BANK INFORMATION AND MY HOME ADDRESS AND FOR IT TO BE DEPOSITED. XXXX TOLD ME TO MAKE SURE I GOT A MOBILE BANKING ACCOUNT TOO AND THEN ASKED FOR THE ACCOUNT NUMBER AND ALL MY PERSONAL INFORMATION. ON XX/XX/XXXX I OPEN ON ACCOUNT AT ONE OF YOUR BANK OF AMERICA LOCATION IN XXXX MA FOR A BUSINESS RELATED MATTER, ONE WEEK LATER I ORDERS THIS ACCOUNT TO BE CLOSED DUE TO THE FACT THAT THIS ACCOUNT TURN OUT TO BE FRAUD/SCAM RELATED, BACK IN XX/XX/XXXXI TRUED TO OPEN AN ACCOUNT WITH XXXX XXXX AND WAS REFEREED TO XXXX XXXX CONSUMER AGENCY FOR MORE INFORMATION, ON XX/XX/XXXX, I REQUESTED A COPY OF MY CONSUMER RESORT FROM XXXX XXXX AND IT WAS EMAILED BACK TO ME ON XX/XX/XXXX. ONCE I CAREFUL LOOK THROUGH MY REPORT I SAW THAT BANK OF AMERICA OUTLINE AT THE TOP OF IT ( Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ) I BELIEVED THAT THIS NOTE ON ME ON FILE IS REPORTED UNFAIR AND UNACCEPTABLE FOR THE RECORD OF ME AND I NEED IT TO BE REMOVED AS SOON AS POSSIBLE THAT FACT THAT SOMEONE USED MY ACCOUNT INFORMATION TO DEPOSIT FAKE CHECKS TO THAT ACCOUNT AND I REPORTED IT TO THE BRANCH SHOWS THIS IS AN TOTALLY UNFAIR ACTION. PLEASE RE-INVESTIGATE AND REMOVE THIS NOTE FROM MY CREDIT HISTORY WITHIN 30 DAYS OF GETTING THIS DISPUTE NOTICE.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act XXXX  account # 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 repoeting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-14
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. (CA)

There are 5 accounts that I have been disputing since XX/XX/2020 I have. These accounts are not mine I have no idea who opened these or how. I have filed an FTC report I have A notarized Affidavit for Identity theft and I have written over 5 letters to the bureaus I have called them but nothing no verification no help I feel ghosted and I feel like I have to deal with someone elses doing an go thru a year of hassle for these accounts this is my last resort please help. 

XXXX XXXX XXXX  Acct # XXXXAmt {$14000.00} XXXX XXXX XXXX Acct # XXXXAmt {$3200.00} XXXX XXXX Acct # XXXXAmt {$5600.00} XXXX XXXX- Acct # XXXXAmt {$2200.00} XXXX XXXX XXXX Acct # XXXXAmt {$10000.00}
Consumer complaint received 2019-09-12
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. (ID)

I have a single delinquent account on my credit report through Equifax that is negatively affecting my credit. This account must be fraudulent as it has been removed and then reappeared a number of times through Equifax along with XXXX and XXXX. Currently the Equifax website reports that the " Online Dispute Feature '' is unavailable, and the account number shows " xxxx '' on the report, so there is no way to select the account through the phone service. The phone service will not let you speak to a human or provide another solution for disputing an account over the phone. It just hangs up on you after a while. Submitting my dispute through the mail is not a viable option for me at this time. For a company with so much financial power they are completely unfit and provide inadequate service for such an important part of modern society.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

Hello, I am having a problem with a credit card obtained from Navy Federal which I am making payments on and against the balance owed. My payment history is not reflecting as it should and thereby keeping my credit scores low, in a time when I need to purchase a home and make transactions which a lower score ( as the types identified with late payments ) will keep me in a higher interest bracket.

I called Navy Federal and they said they would not report my payments until the entire balance is paid off, again this is something that has never happened and which is detrimental to my advancement in the purchases I would like to make and the interest for which I believe I should qualify. 

I opened the account while I was XXXX in XXXX and am a XXXX  veteran. I would like assistance with this matter and would like the payments to show as they should so that potential lenders can see that I am indeed making payments and meeting my obligations.
Consumer complaint received 2019-09-12
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: CITIBANK, N.A. (CT)

Have an XXXX XXXX Citi credit card. Attempted a purchase online from a XXXX   company for {$140.00} usd. Card declined. Called Citi to find out what the issue was. Representative stated that they can't verify I am who I say I am and have to send me a text message - No text message ever arrived. I offered to answer any question they had, send copies of the card, my ID, social etc ... Representative said nope - We are blocking your account access. I can't use the card or even access the account online to make payments. Representatives BARELY speak English. No solution to access or unblock my account or even to make a payment. Impossible to speak to a representative who is a native English speaker. No method to access my account or verify I am myself. Completely unacceptable.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I need a insurance check endorsed. mr. cooper staff hang up on me when I request information on the address to send the check to. I have spent over 6 hours on hold and at least 10 different call regarding the same issue. mr cooper has also lost 3 checks that I have sent with there self addressed envelopes. mr cooper staff told me that the only way they could stop loosing my checks is to set up a auto pay from my checking account. I told them I was not interested. They said they would continue to loosing checks and make my account late in tell I set up auto pay.
Consumer complaint received 2019-09-12
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (CT)

PayPal Mastercard keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in XX/XX/XXXX, so all assets were frozen I advertise and was paying bills out if my own pocket. PayPal took my PayPal card and put it in my name plus added the business name onto it, we have had this commercial bank account since XX/XX/XXXX. Anyone I speak to at PayPal is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted XXXX XXXX has read my decree and they have my deed in Lou of foreclosure that I paid for myself XXXX my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out
Consumer complaint received 2024-02-08
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. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX