davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went to get a car loan at XXXX XXXX XXXX in XXXX XXXX, California. I authorize running ones my credit score and the result was that they did it bot with two companies and the credit score that I was taking care as a baby to increase the point, drop-down several points. I'm no agree with what they did. They suppose to check my credit just ones. 
Companies that they used to check my credit : Coaf XXXX XXXX XXXX XX/XX/2019 No idea the amount they were asking for. 
I will appreciate your help please, I want to take care of my credit as good as possible. 
Thanks so much!
Consumer complaint received 2022-10-09
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: EQUIFAX, INC. (SC)

I need to file a l complaint against Equifax. I am disturbed and alarmed to learn from an old roommate that some type of mail correspondence is being forwarded to him in XXXX. The address which is apparently on the letters is not an address that I ever supplied to Equifax, nor did I ever have an account with Equifax before today. 

Upon setting up an Equifax account today, the address to which the letters were reportedly sent is not listed. The letters are being sent without my consent or knowledge and I have no idea what is contained in the letters.
Consumer complaint received 2023-06-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (KY)

In accordance wit [ the Fair Credit Roporting 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 reporting agency can not furnish a account without my written instructions I never wanted my account info/credit info reported to any agency and I never gave anyone or any corporation any written instructions to do so. 
I have reason to believe that these DEALERSHIPs willingly and knowingly took advantage of me and my consumer credit. 
l am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; they also accepted a CASH down payments violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction = Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance or other charge. 
Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX, American Express sent me a marketing offer through email, offering me XXXX sky miles if I added an authorized user, and they spent {$500.00}. I read the offer carefully, added my husband to the account through the site, and he met the requirements in XXXX. I contacted contacted Amex on XX/XX/XXXX inquiring on when I would see the miles added. The rep was not aware of the offer but filed complaint XXXX, and asked me to upload the offer email to their document center, which I did the same day, I contacted once since then and was told the case was still being worked. Today XX/XX/XXXX I contacted them and was advised the case was closed weeks ago, and that a different vendor code was on my add authorized user. I did not have an option to add any code and the offer does not state I had to follow a specific path, such as using the link in the email, or adding a code to qualify. The supervisor offered to create a new case and start again, and asked me to upload the same documents that are still visible in my document center, which the rep I spoke with before the transfer to him could see. I checked, and they are still visible in my document center. He stated I would still not be contacted on the outcome. 

I feel this was a bait and switch on the part of Amex and that their marketing in this case was deceptive.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (MD)

I have been trying to reach Truist for months! I can not get a representative that can even see my accounts. There are 2. One was a secured card the other a loan. I am doing my best to settle these things but between the hour long hold times all to be transferred to different depts that eventually hang up on me- the process has been horrid to say the least
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 — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax, XX/XX/XXXXand XX/XX/XXXXhave reported a 30-day late payment/payment status on my credit report, which I am not late.This late payment reported on XX/XX/2021, which the account is not 30-days late at all. In addition, I have contacted the company, which is XXXX XXXX XXXX, on XX/XX/2021, on that Saturday. Once I contacted XXXX XXXX XXXX regarding the late payment, they told me that they did not report that 30-day late payment and their records show that I am not late 30-days. Also, they stated that their system does not show 30-days late and their system shows as pays as agreed. So, I am puzzled on how that late-payment got on my credit report.
Consumer complaint received 2019-10-09
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 — Was not notified of investigation status or results
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I recently obtained a copy of my credit report from XXXX that indicated that a credit inquiry was made by your company on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I requested validation by certified mail several times and it was removed from all credit reporting agencies except XXXX.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (MI)

I closed on my home with Flagstar Bank on XX/XX/2019. About a month later I received a letter of Servicing Transfer to XXXX , XXXX. At some point both companies were claiming to be the company servicing my mortgage and I received statements from both companies in the same month ( XXXX ). Right now my credit report is showing like I have two mortgages and because of their faulty reporting, my credit score dropped to the XXXX.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My mortgage holder is Truist and my bank is XXXX XXXX. I make payments to my mortgage via XXXX XXXX, and I make them monthly and on time. 

My payment for our XXXX mortgage was made by XXXX XXXX at XXXX XXXX on XX/XX/21. This is fully documented in my account records and statements. 

My mortgage holder, Truist, states that they did not receive the payment. They, however, received the prior payment and the following payment, no problem. These payments were sent to them the identical way. 

This means that whatever problem occurred happened between when XXXX XXXX made the payment to Truist on XX/XX/21, and XXXX Truist received the payment and/or misapplied it. 

This means that there was no error on my end in the transaction ; however, since this occurred, both XXXX XXXX and Truist are trying to avoid taking responsibility for the error in payment application. 

I have made six calls to date, to both XXXX XXXX and Truist, in an attempt to rectify the matter. I have sent a letter to Truist letting them know that there was an open investigation with XXXX XXXX, and that if XXXX XXXX contacted them, I would appreciate their cooperation. I have had both XXXX XXXX and Truist on the line on a conference call, and the call ended with both parties accusing the other of the missed payment. It was incredible. I have the dates and names of the parties on that call. 

I will attempt to resolve the matter with one additional conference call. After that, and the filing of this formal complaint, I feel I'll have no further recourse to protect my interests than to retain legal counsel and sue Truist for negligence. 


Because of this, my credit score has been inoridinately affected and I've been sent a notice of default on my mortgage.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

This is my second complaint about this matter ; NOT A DUPLICATE! I was denied my own credit from JP MORGAN CHASE BANK for the CHASE FREEDOM card on XX/XX/XXXX. This is a violation of 15 USC 1691 ( a ) ( 3 ) of the Equal Credit Opportunity Act under 15 USC Chapter 41. The Equal Credit Opportunity Act was put in place by the federal government to stop creditors from discrimination in a determination of credit-worthiness. Denying me my OWN credit is discrimination and unlawful. I filed my first CFPB complaint on XX/XX/XXXX ( case # XXXX ). I was contacted by XXXX XXXX ( ext. XXXX XXXX XXXX ), of the executive office, the very next day kindly saying he was going to look into the matter and get back to me. I never heard back from him. I received a response to the first CFPB complaint on XX/XX/XXXX informing me that JP MORGAN CHASE BANK denied me AGAIN. I tried calling XXXX XXXX back since he kindly left me his direct line. I have called multiple times, leaving multiple messages and he has not returned any of my calls. ( I am still open to have a conversation with him. ) In all, there is NO reason pursuant to federal law that gives them permissible purpose to deny me my OWN credit. These denials have caused my life mental and emotional stress. JP MORGAN CHASE BANK has violated my federally protected rights under 15 USC Chapter 41.
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (WI)

Completed online mortgage application online via US Bank Loan Portal, on XXXX/2019.  Assigned XXXX XXXX as the mortgage loan specialist.  Received a voice mail message from Mr. XXXXr (XXXX) and returned call on or about XXXX/2019 and left a voice message to contact me back (XXXX).  No response via phone, mail or email.  Application status is being delayed for no apparent reason.  A hard credit pull was done on XXXX/2019 and impacted my credit score.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX, XXXX, and Trans Union, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : transunion XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX last payment : XXXX XXXX XXXX XX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from my credit report...
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

XX/XX/XXXX- date of services rendered to XXXX XXXX XXXX emergency room- was coherced to sign pages while incognizant without representative. 

XX/XX/XXXX- representative from XXXX XXXX XXXX confirmed all owed amounts were settled due to situation. 

XX/XX/XXXX- initial movement to collections with different company.

XX/XX/XXXX- debt was sent to bureau of medical economics . Lead to incorrect reporting Attempts to rectify information and settle amount have been denied several times.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

It took three calls to get them to close my savings account. 
I'm now trying to close my checking account. I've made 2 calls and mailed one letter to ask for my account to be closed. They claim there's an error in the system and they can not complete my request.
Consumer complaint received 2022-03-14
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: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

Asset Acceptance set forth a motion for a writ of garnishment on JXX/XX/XXXX, which I was not notified about. I discovered this levy on my bank account thanks to XXXX  email notification on XXXX of XXXX, XXXX  at approximately XXXX. According to XXXX, the hold is for {$6500.00}, yet the writ of garnishment specifies that the amount is {$3200.00}. In addition to not being properly notified by Asset Acceptance or that Asset Acceptance had employed Midland Credit Management to conduct their legal proceedings, both Asset Acceptance and Midland Credit Management did not notify me of intent to garnish wages, they claim I was served on XX/XX/XXXX, but I have no copy of aforementioned summoning. When I attempted to contact the attorney overseeing my case, Case # : XXXX at Midland Credit Management va phone ( XXXX ) on XX/XX/XXXX, a Midland Credit Management representative provided unusable and/or false email information for the attorney managing the writ of garnishment, XXXX XXXX XXXX, whom I emailed to no avail, because the message was undeliverable. Today, XX/XX/XXXX, I attempted to contact XXXX XXXX XXXX at Midland Credit Management va phone ( XXXX ), but was informed by a Midland Credit Management representative that XXXX XXXX XXXX was not representing Asset Acceptance in the aforementioned writ of garnishment ( Case # : XXXX ) despite her name being checked off as the attorney overseeing the case ( Case # : XXXX ). The Midland representative during this phone call, further instructed me that the new attorney in charge of my case ( Case # : XXXX ) was XXXX XXXX, but that shes wasnt in her office and I could leave a voicemail, which I did. I was never notified by Asset Acceptance or Midland Credit Management, in any capacity, that the attorney in charge of my case ( Case # : XXXX had been changed. I can not resolve my case ( Case # : XXXX ) if Asset Acceptance and Midland Credit Management continue to evade and misdirect my attempts at communication with the attorney in charge of my case ( Case # : XXXX ). Asset Acceptance and Midland Credit Management appear to be running down the clock on the writ of garnishment ( Case # : XXXX ), thereby disenfranchising me of my right to communicate with the attorney in charge of my case ( Case # : XXXX ) for a resolution. Ive specified in my emails for XXXX XXXX XXXX and XXXX XXXX, that the writ of garnishment ( Case # : XXXX ) is creating extreme financial hardship on my ability to simply exist, any and all expenses and bills are on hold, because I dont have the funds to even get a tank of gas. Im currently waiting for XXXX XXXX, the attorney with Midland Credit Management, who has assumed charge of my case ( XXXX ), to respond via phone or email.
Consumer complaint received 2022-10-08
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: Bread Financial Holdings, Inc. (MD)

I have tried twice to make a purchase on XXXX with a Bread XXXX XXXX XXXX card. The first time it was denied and I was told that they thought it was a fraud and it will be fixed. It happened again the next day when it was denied after being told that the problem has been solved. I called them asking why it has been denied since they issued this credit card to me. They are asking me to send them a copy of my social security card, my driver 's license, and a bill with my mailing address. I will not send them a copy of my social security card since I feel there is no need for them to have it. They are saying that after issuing this card and lowering my credit score that after I send them this information they will let me know in 30 days if I should get credit. If they aren't sure about if I should get credit or not, why did they issue a card in the first place? 

Since they said at the beginning of the call that it is monitored and recorded for quality assurance they should have a record of this.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

On XX/XX/XXXX I received my first notice that XXXX was transferring the servicing of my home mortgage to LOANCARE, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX, XXXX XXXX XXXX, VA XXXX, XXXX. My loan has always been paid on time and was current with next payment due XX/XX/2019. I called XXXX immediately to see what I needed to due as my loan was due on XX/XX/XXXX and I wanted to make sure it got paid. I was told to contact LOANCARE,  and that by law they could not penalize you for any late payment due to service transferring. I did and was sent to an automated message that stated that if your loan servicing was transferring on XX/XX/XXXX, you had to wait until XX/XX/XXXX-today-to access your account with LOANCARE to make any payments.I was able to access my account online, but my account is now marked " passed due '', that I am not allowed to make any payment from a bank account, and that I have to bring my mortgage current. I am not permitted to make any payment and this company forced my loan to be late by preventing any access whatsoever until it was past due. I tried to call at least 8 times today and continued to get an automated message that they are experiencing a high call volume. They are breaking the law from what is happening to me, have marked my loan as passed due, have notated it late and are preventing me from making any payment and are NOT answering their phone. I would like to know what my legal rights are, and who is going to intervene. I need support and these tactics must be totally illegal. Thank you.
Consumer complaint received 2019-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I tried to put my card down for my payments and it went through then I went to XXXX to see my grandma for a month and the card was not saved and the payments were made. I call navient and I get a machine and I tell the robot send me to customer service and it doesnt. Navient calls me and I get a representive they say they will send me things about lowering my payment or that I qualify to make zero payments but they never do. This is very frustrating because they are ruining my credit and i dont have any money I am looking for a job and i only have money for food.
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (RI)

Comenity Bank has called my phone XXXX times within XXXX  days. There has been no voicemail to explain the repeated calls. 
On XXXX, there were XXXX calls. On XX/XX/12, there were XXXX calls. Other days, they averaged XXXX calls daily- again, without a voicemail.
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

1. DISCOVER FIN SVCS LLC DATE FRAUD BEGAN XX/XX/2017 {$4100.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Consumer complaint received 2022-02-08
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. (PA)

I was trying to purchase a vehicle from XXXX and they specifically told me it wouldnt be hard pull to my credit and didnt go all the way through with purchase I was told it will be a soft pull to my credit and I go check my credit score after the call was ended and noticed I had a high Risk to lenders for car loans and a hard inquiry on my credit account for 24 months which I dont thank is fair because I wasnt told about this step of credit pull when we were on the phone I feel like I got pressured into buying a car without to much detail on the process I also never even finished the application for the car so I reached out to XXXX and they said I need to file a dispute I also reached out to my credit bureau and they said I need to file with XXXX  to have inquiry off my statement.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (IL)

XX/XX/2019 - XXXX XXXX XXXX XX/XX/2019 - XXXX XXXX   XXXX  XX/XX/2019 - XXXX XXXX XX/XX/2019 - XXXX XXXX The above are 4 credit inquiries that are negatively impacting my score
Consumer complaint received 2022-02-08
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. (KY)

Experian refuses to take off a report on my credit, i paid off account about 2 years ago and have been trying to get it taken off Experian. XXXX already confirmed it was payed off but Experian refuses to take it off. Report already fell off other credit bureaus