davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I called into capital one debit customer service regarding a check I uploaded to my Capital One Debit Card account. I called because when I uploaded my paycheck their system tried to hold my check for 10+ days and that wasn't feasible for me because of my current situation. I suffer from multiple mental illnesses that cause my mood to fluctuate on top of my triggers. I was freaking out so I call them and the first rep told me there's nothing that they can do to help in a very rude tone. I demanded to speak with a supervisor because I knew for a fact that this was false information, which made me even more upset. The reps superior gets on the phone and assures me that my check will be deposited ASAP. She verified my check and got it deposited so I was very happy and ended the call. 

About a week later I receive 2 harassing emails from Capital One threatening to cut off my debit card. I replied and told them to stop emailing me regarding an issue that their rep lied about and could have easily taken care of, I expressed how I shouldn't be receiving different information depending on if the rep is in a good mood or based on their personal feeling regarding me, I should receive the same streamline service just like everyone else. 3 weeks later on the XXXX I receive a letter in the mail stating my debit card would be shut off because of the interaction with the representative. This letter got me very upset because so I called in and agents confirmed my account will be closed for voicing me freedom of speech in the comfort of my own home. 

I also have a Credit Card account with Capital One so I ask to be transferred to that department to see if that account is being closed as well. When I spoke with a supervisor with the CC teams I was told that the banking and credit sides of capital one are completely different and was assured that my Capital One credit card will remain active unless i wanted to cancel it. I explained that I'll be traveling so it is imperative I know which of my accounts I'd have access to. 

Fast forward to XX/XX/XXXX I get a letter in the mail stating that my credit card was shut off. I check my app and the account was disabled. I was so confused because the supervisor assured me that my credit card would remain on. When I called the credit card number back I got complete opposite information form a different supervisor. 

I feel very discriminated against, these reps and supervisors have blatantly admitted that this decision is completely bias and based on their personal experience and point of view of that person. I feel the real reason I am banned from this bank is because I'm young, XXXX, XXXX XXXX, and I stand up for myself! None of these are sufficient reasons to cut my accounts off with no grace period or notice.
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (MA)

I am writing in regards to my auto loan with TD Bank originated on XX/XX/XXXX. This loan has been paid off in full as of XX/XX/XXXX. My concern involves the final payoff payment of {$200.00}. For the 5 years of my auto loan I enrolled in auto payment and was never late on a single payment. I was unaware that the final payment would not be paid through auto payment as all the previous payments had always been prior and there was no communication from TD Bank to communicate this change. When I had not received the title of the car after a few months, I logged into my online account to check the status of the loan and realized that the final payment was still due. I paid this immediately on XX/XX/XXXX, however, at that time the account was already past due over 90 days. I remedied this as soon as it came to my attention. 

Recently, I ran a credit check as I am in the process of refinancing my home. It was then that I realized this final payment issue has negatively impacted my credit score. I had been diligent about paying my auto loan on time for 5 years ( as well as all my other bills ) and my account history was always in good standing. I had reached out to TD Bank to try and resolve this since the loan is now fully paid off and this was only late payment over the course of 5 years in hopes that this will not negatively impact my credit score and financial health for the next 7 years. I am very diligent about ensuring I am responsible financially and am frustrated that I did not receive any communication instructing me that the final pay off amount would need to be paid manually.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Mailed letters on XXXX XXXX XXXX XXXX  to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have already notified the credit bureaus of my identity theft issue 2 months ago. I was always under the impression that the credit bureaus have 30 days to complete their investigations. It seems as if my investigations have been ignored. According to 611 ( a ) it clearly states that failure to investigate within 30 days is grounds for automatic deletions. Please delete these accounts immediately.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I have discovered some inaccurate information on credit report. Therefore, On XX/XX/2020 I requested an explanation for an investigation from the credit bureaus for inaccurate information listed on the letter. After months of waiting for a response I have not been provided with any information about from the credit bureaus. And I would like an update on my credit report within 30 business days.
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

Hi my name is XXXX XXXX i was the co borrower on a loan application with my father XXXX XXXX We apply for refinancing in XX/XX/2019 with amerisave mortgage i was pre approve i started the sending over all the request completing there request with in days. I was told i need to pay for appraisal fee so we did after appraisal the broker who was handing the request was removed from the account, i was giving a new loan officer and we started the process all over again four weeks in the process with this new loan officer they inform ed me on a fha loan the co borrower must life in the house i don't life in the house hold only supporting them financially. The next step was to have the loan in my mom and dads name after third attempt they declined loan application saying the FICO score is to low. when the original application was started the credit score was 50 point higher. This is a consumer fraud this company was the cause of the credit score to  decease then decline the loan. 
My contact information is XXXX email XXXX the person I last was working with was XXXX XXXX ph # XXXX his email XXXX XXXX
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX, has violated my rights. Also the credit bureaus stated these accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 


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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

I was interested in refinancing. I was given details and provided information to get rates and an estimate. When I told the person that I would think about it, they became aggressive and not willing to take no for an answer. I asked for more details via email and ended the phone call. I now receive at least 4 calls per day from Rocket Mortgage and when I ask to file a complaint, I am placed on hold and then the call is terminated.
Consumer complaint received 2022-05-04
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransunion was XXXX XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX Balance : {$550.00}
Consumer complaint received 2022-05-04
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX Balance : {$550.00}
Consumer complaint received 2022-05-04
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. (FL)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$7600.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$400.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$60.00} ; XXXX XXXX XXXX AV XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX
Consumer complaint received 2022-06-12
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. (GA)

I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and XXXX, XXXX and EXPERIAN has not made any effort update any of what I requested with supporting documents.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

On XX/XX/2020 at approximately XXXX PST In an attempt to gather more information about a debt being reported on my credit report through XXXX  I contacted CCS Collection at their Call Center number XXXX, I spoke with representative XXXX XXXX, who informed me of an alleged third party debt from a company named XXXX XXXX. 

I instructed the representative, Ms. XXXX, that I do not have any open or outstanding debt with the said company nor do I have any relationship past, or present with XXXX XXXX. I further requested validation of the said debt. She gave me a file # XXXX. 

I informed her the information she has does not belong to me, and I have never lived at the address in question, and I wanted it deleted immediately. This erroneous reporting is having a negative impact on my character and financial position. She refused to validate the debt any further and told me they will continue to attempt to collect and report. 

I asked to speak with a supervisor and was transferred to Senior Supervisor XXXX XXXX. I requested a mailing address for CCS, as it wasn't listed on my credit report. She informed me that there is NO Social Security Number attached to the file and they only had my name and birthdate. However, the address and other information did not match my information. She instructed me to file and ID Theft, and complete a police report. I told her that if the information she has isn't me and you aren't able to match my information, I wasn't going to file any ID Theft for erroneous information that can not be validated. 

They refuse to offer any other help and told me they will continue collection efforts. Please help me clear this erroneous information and further cease all collection efforts.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

I had been with Chase bank for 9 years. Chase closed my account without informaing me. Why is this absolutly un accpetable? 
* Commone courtesy and customer service along with transparancy should be standard * I have XXXX kids and a stay at home wife and money is a daily requirment * Chase service line started treating me like I was a piece of XXXX and they stated they are not required to tell me why or when they closed my account??????? 

* They even said I couldn't get my money out of my account? They said they would mail it to me in 7 to  10 days. Really? My own money that is direct deposited into thier bank and they think its ok to hold my money. This kind of action should label them as the XXXX XXXX XXXX and the XXXX XXXX 's as being thieves. I want my money back as its over {$500.00} and my family needs it- this stupid game is not over but it starts with you- HELP
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (NJ)

On XX/XX/2020, XXXX XXXX, I received a call from +1 ( XXXX ) XXXX. The person on the phone introduced herself as a debt collection agency ( Credit Management or similar ) and asked me to verify the number of my street address. She told me they are calling to collect {$23.00} I owed to XXXX. She confirmed it was for me personally, not for dependents, but could not confirm what the amount was for ( even at a high level, e.g., medical services ). She demanded that I provided a form of payment ( " How are you going to pay this today? " ). I told her I rarely use XXXX for anything and that I have paid everything I bought from the pharmacy. I also told her that I will have to contact XXXX to understand more about this claim. She asked me when will I contact XXXX, how her company can contact me to collect my debt, and will I call them back to make a payment. I asked that they only contact me by mail and informed her that I will not make a payment to debt collector unless I initiated the call. 

After the call, I reached out to XXXX Customer Service at XXXX. The representative forwarded my call to their Billing Department. I provided my personal info to Billing and the person confirmed I am not in their system and that I don't appear to own anything to XXXX.
Consumer complaint received 2018-04-09
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. (IL)

I HAVE REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS. 

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (VT)

We received notice in XX/XX/XXXX that our XXXX  XXXX XXXX was being sold to Marcus by Goldman Sachs effective XX/XX/XXXX. We had been XXXX XXXX cardholders since XXXX, and believe that the reason our card was sold was that we never accrued a bit of interest during those 30+ years. We do not want to do online banking and demand a paper statement monthly. XXXX sent us instructions on how to register for the new card. After completing steps 1 and 2, they offered a tab that read " We do paper statements ''. After I clicked on this tab, I discovered that the only option they were offering was online payment of our balance. To continue, they demanded that I enter an account number to be used to pay our monthly balance. They refused to pick up on the customer service number they provided unless we entered an account number, so I abandoned the enrollment process after trying 3 more times to use the customer service number. We sent a check for {$450.00}, our check number XXXX, to XXXX XXXX dated XX/XX/XXXX and XXXX XXXX subsequently cashed it in payment for our final balance with them. An officer at our bank told us that this balance had been transferred in its entirety to XXXX, and that according to out records, we still owed it. Since then we have received numerous emails that our XXXX balance was past due and to complete our enrollment by entering an account number, and then paying a minimum payment of {$29.00}.