davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
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: CBC Companies, Inc. (CO)

1. Denied Credit Freeze- with my current address 2. Denied annual credit report because of my address. 

I am an American Citizen with a valid social security number. 
per complaint # XXXX : Submitted false information that I received a credit report on XX/XX/XXXX from Innovis. 
It NEVER happened. Further text says their is a security freeze on Innovis ' account. 
Phone conversation of XX/XX/XXXX revealed no such freeze. 

Text also goes on to say that it was mailed to me- in XXXX where I was living? - Never happened. Innovis policy says no international mail, in or out. 
What about now - annual report and freeze status? 

Text also says : I can request a credit report. - Impossible with my current address, and the phone conversation of XX/XX/XXXX said Innovis does NOT accept international mail. 
They also said they would not accept US Federal government information about my current address such as 1099 Social security since it is in XXXX. 

Suggest a Federal investigation on Innovis Policies.
Consumer complaint received 2020-12-16
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: JPMORGAN CHASE & CO. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX XXXX, on XX/XX/XXXX, JPMCB - CARD SERVIC ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-03-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXXrequesting a cure letter, deficiency letter, and a surplus letter to find out how they arrived at an owed balance of {$5.00}, XXXX. I never received a response back from XXXX XXXX XXXX XXXX. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XX/XX/XXXX, and Experian ). Today, I checked my credit report and notice that the account XX/XX/XXXX and account # XXXX. Is still reporting on my credit reports inaccurately and without proper validation. I still have not received a cure letter or deficiency letter and from my understanding the UCC 9 ( 16 ) says that the account a consumer should receive this no later than 14 days after requesting it. 

For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. 
15 U.S. Code 1681s2 ( B ) ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Secondly, From my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported.
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/2018 I sold my car to XXXX XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when a different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting on XX/XX/2018 I sold my car to XXXX XXXX  XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when I different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting A copy of the statement that shows that they were supposed to give me the checkThey owe me {$3000.00} and I feel like I have been lied to and swindled I am an elder person XXXX years old
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My payment for XXXX was returned. They charged me {$40.00} return fee and {$25.00} late fee. I paid my regular mortgage payment plus both fees and even now they are still saying I have fees on the account. This company is predatory and need to stop fleecing consumers.
Consumer complaint received 2022-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Auto sent me backup for its authorization to obtain my credit information in response to a prior CFPB complaint ( # XXXX ). The documents Captial One provided, however, belong to a XXXX XXXX XXXX in XXXX VA. The documents include detailed financial information regarding Ms. XXXX 's auto loan with Capital One. My concern is that Capital One conversely sent similar detailed financial information regarding my auto loan to XXXX XXXX or someone else, placing my identity at serious risk. Attached is a copy of what Capital One sent to me. I shredded the hard copy.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have several accounts listed on my credit report that were disputed. The credit reporting agency in return stated the accounts were verified. I know for a fact none of these accounts belong to me. I have spoken to each of the companies and they can not find anything with my personal information. When I talk to the credit reporting agency they refer me back to the company. No one is taking accountability to have these inaccuracies removed from my report. 

XXXX XXXX {$180.00} XXXX XXXX $ XXXX XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$540.00} XXXX XXXX {$420.00}
Consumer complaint received 2018-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Key Star Capital, LLC (MD)

I called them and told them I have XXXX and give me till XX/XX/2019 to pay the rest they called me an XXXX and told me I'm gon na lose my house and hang up on me the rest been trying to take my house from day one
Consumer complaint received 2022-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I was inappropriately advised that I needed to recertify my income driven repayment plan by Fedloan and the XXXX, leading to an increase in my monthly payments of {$100.00}. On both XXXX and on XXXX websites I would get alerts " it's time to recertify! '' and yet nowhere on the XXXX servicing website nor the XXXX was it listed that I was not required to under the CARES act ; no where, clear as day or as clear as the " it's time to recertify! * '' was there also an alert that clearly said *but you don't have to! The information given threatened to put me on a standard repayment plan if I did not recertify immediately. Recertifying when I did not need to has led to my payments increasing {$100.00}, from {$280.00} to {$390.00}.
Consumer complaint received 2022-03-05
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. (TX)

In accordance with with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a 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 2022-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OR)

In a nutshell, I was the victim of an XXXX scam where I ordered a custom suit of armor from a vendor in XXXX in XXXX of last year. Within weeks of the purchase, the seller sent a keychain, which they acknowledged was a XXXX  that was sent to see how long it would take to get to me. At this point, I had not sent my measurements or purchased a gauntlet upgrade, so in XXXX, I purchased gauntlets after they confirmed they received my measurements. I kept in communication, realizing a custom order takes time. In XXXX, they said they were in lockdown. In XXXX, they said the armor was nearing completion. In XXXX, they said it would be completed in 4-5 days. Then, they ceased all communication. I opened a case in XXXX, realizing that this could be a scam. PayPal credit issued me a check for the armor and gauntlets at the end of XXXX. I had paid off my entire balance to PayPal credit in XXXX, but at the end of XXXX, PayPal Credit added the {$580.00} for the armor  to my balance, saying that the buyer had provided a tracking number for the item ( the keychain! ) and that I was now responsible for paying it off. I have been back and forth with them several times since then, providing copies of convos with the seller that plainly show I never received the merchandise. Anyhow, PayPal Credit is saying I owe this money, with each response being slightly different, such as making efforts to return the item or contacting the seller, both of which involve a response from the seller, who continues to ignore my emails. While I continue to dispute, it will soon go into collections. 

I'm looking for someone who might be able to help me with this matter as my own efforts seem to not have any effect. Thanks!
Consumer complaint received 2022-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (TX)

On XX/XX/2022 I entered the Global Lending Services portal in order to make a payment on my car loan which was due on XXXX XXXX, 2022. I inititated a payment on my end on the XXXX day after the due date. The payment was only 29 days late. The IT system used by Global Lending Services did not allow the payment to post until the following day, XX/XX/2022. Global Lending Services reported to the credit bureaus that my account was more than 30 days past due. This is incorrect, because not only was the account paid, but it was initiated by me within the 30 day grace period given for credit bureau reporting.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

XXXX XXXX credit card sent to crown assessment to my employer for a wage garnishment how my information became available I dont know XXXX XXXX  says it wasnt them it just doesnt seem fair
Consumer complaint received 2023-03-17
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX XXXX Opened XX/XX/2021 XXXX : {$700.00}.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a victim of fraud. 

My credit card was charged {$47.00} on XX/XX/2023 by XXXX XXXX. 

I did not authorized this fraudulent charge on my card. 

It is a fraudulent charge.
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (NC)

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the ledge late payments on my credit report under federal law they have 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Consumer complaint received 2020-06-05
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. (AR)

Credit karma sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form my report.
Consumer complaint received 2018-05-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

I applied for loan with loan depot with XXXX XXXX XX/XX/XXXX Through out this whole Process when they say they will call back they never does. Very poor customer service! We was pre approved for loan on XX/XX/XXXX. Found a house went under contract we was supposed to close XX/XX/XXXX. Received disclosure XX/XX/XXXX signed and submitted back to loan office an we were under the impression that we would close on XX/XX/XXXX but definitely XX/XX/XXXX at XXXX XXXX. XXXX XXXX XXXX informed me that loan officeer who I had been dealing with quit, that was very unprofessional you never supposed to let a client/customer know that an employee has quit. I received a call from XXXX XXXX XXXX XX/XX/XXXX at XXXX requesting more documents that I was not able to come up within 2 hrs. Information she asked for at XXXX XXXX had never been asked for through the whole entire process. We wired {$8800.00} to the attorney. We paid XXXX earnest money we paid XXXX for appliances and also {$470.00} for apprasail. We were under the impression we were closing XX/XX/XXXX. Apartment that I was living in we moved out because we were supposed to close on XX/XX/XXXX so now I am homeless due to loan depot dropping the ball. I also feel that the reason the loan was denied at the end due to me being XXXX XXXX. My license was sent at the end of the process. So I feel at the being it was approved bc they did not no my nationality This has been very emotional distressed, I feel like giving up on life due to this. I feel betrayed. This has took a toll on my entire family. This has brought on illness XXXX and XXXX.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (GA)

I got behind in XXXX do to my mortgage goin from {$650.00} a month {$1200.00}. I had reach out to Cross Country Mortgage in was told they didn't know why it had want up. I then received a called by loan modification assisistancen though Cross Country mortgage in was told that i had to send my payment in a money order to a address that he would called with. I had sent him a few payments till he told me to use someone else name.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is arranging the order in which transactions are processed ( from highest to lowest ) so as to generate overdraft fees. It also appears that the processing time for certain transactions varies, and it seems that it is for the same purpose, to generate fees. 

Low account balance notices are always sent to late too cure any defect. Again, the result is that additional overdraft fees are generated. 

This issue has come up with BOA in the past and it seems they have returned to the practice.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (LA)

XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 Hi my name is XXXX XXXX. My place of employment was contacted by phone number XXXX by a person named XXXX XXXX. Repeatedly trying to get in contact with me about a possible debt which I do not have any knowledge or written notification of ...
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (GA)

I previous sent a letter to this company telling Spring Oaks Capital XXXX don't contact me about some bogus account they claimed I had with Indigo in year XXXX. They have continued to contact me by mail and by phone the number is XXXX which I screenshot on my cell phone. I was a victim of identity theft last year and it also shows on my credit report. They sent a Bill of Sale that is Post Dated A Year Prior saying this is when they purchased the Debt on XX/XX/XXXX. I have never had an account with XXXX and would appreciate if they remove this from my credit report and stop contacting me. I sent a letter to them because I thought they were an account from me being in collage paying for books which account was paid off now they say it's a credit card that I never received or seen a day in my life.
Consumer complaint received 2021-05-10
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: ENCORE CAPITAL GROUP INC. (TX)

Midland Debt collectors reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (MO)

I reported a problem to gm fraud and XXXX XXXX   attempted to cover up For the dealership which is not in accordance with Missouri state law or accessing credit report. They write me on XXXX  saying someone would contact me but has not yet. Gm is committing anti trust by not offering my llc .. XXXX XXXX the same loans it offers XXXX  business owners in my area.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hard inquiries that are 2 years old are still on my credit report and need to come off. I am trying to purchase a home and this is hurting my ability. I know they are 2 years old but my loan officer wants them completely deleted. I need them off, please. There are 4 that will be 2 years old XXXX and XXXX INQUIRY that should be off there now.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-19
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: Uplift, Inc (IL)

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPLIFT, INC. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

After checking my credit report, I have found that there has been a fraudulent account opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. I have filed an identity theft report with the FTC which will be attached. This account was opened without my knowledge and consent. It should be removed from my credit report! 

The details of the subject account are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2021 {$2700.00}
Consumer complaint received 2022-06-19
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: Bread Financial Holdings, Inc. (IL)

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COMENITYBANK/WAYFAIR XX/XX/XXXX XXXX