davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

I attempted to refinance with my existing mortgage company Nations Direct Mortgage and they were not able to meet or beat the rate I was able to get through another lender. I received a refund from Nations Direct XX/XX/XXXX and deposited the refund check on Saturday, XX/XX/XXXX which was the weekend close to the checks expiration. As with most people, I've remained home not traveling outside the home except for necessities due to Covid 19. XXXX XXXX XXXX XXXX XXXX returned my refund check because it expired before the next business day. I contacted Nations Direct and explained the issue and requested a replacement check from my them XX/XX/XXXX and was told a refund check would be processed. Since the initial communication, I've contacted this company 3 or 4 times each time the time required to have a check reissued has changed from 2 weeks, 30 days, 45 days. My mortgage is late on the XXXX day and if mortgage payments had not been paid within the timeframe I've been waiting for a check to be reissued, foreclosure proceedings would have been initiated.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX I received a letter in the mail dated XX/XX/2021 from XXXX XXXX XXXX stating that they XXXX XXXX XXXX has reported fraud to the federal investigation i believe my by law husband XXXX XXXX XXXX whom im trying to divorce is responsible for these incidents. He also has allies he goes by XXXX XXXX or XXXX XXXX I have never taken a credit card out in my name nor did I take a XXXX dollar insurance policy out. His current address is XXXX XXXX XXXX XXXX ga XXXX I don't know of I need to contact the police about this but I've filed 2 working on 3 other reports on XXXX XXXX. Please help me my contact number is XXXX my name is XXXX XXXX
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Multiple issues with the company LOANCARE LLC. 

I started the COVID-19 forbearance in XX/XX/2021 ... yet monthly I receive statements from the services claiming I am behind in my payments which causes myself and my family unnecessary stress. 

They claim ease of online account for payments and documentation download however since my mortgage has been with them I have never once been able to use online despite resetting my password 20+ times over the years, forcing me to call in wait an obscenely long time to speak with anyone to get my issues resolved.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted equifax, XXXX and XXXX  XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX violations : not mine : see attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX family XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX wrong names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

The category doesn't quite match my complaint. I signed up for and was approved for a CapitalOne Platinum card. When I was approved, I was given a message saying that my account had been merged with an account I had ... maybe 6 or more years ago? I honestly don't know. But when I reached out to CapitalOne to get access to the account, I was denied access. I verified all of my information, and they confirmed that the information matched what was on their records, but they wouldn't tell me anything about my account or give me access to view it online. I stated, over and over again, my discomfort with not having any sort of access to the account, despite being able to verify my identity through-and-through. As of now, CapitalOne has not given me any indication that I will ever be able to access the account.
Consumer complaint received 2022-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Creditacceptance has aquired full rights title interest on a vehicle that ive purchased through XXXX XXXX. Theyre operating fraudulenly and they know it. 

Facts : on XXXX ive purchased a vehicle from XXXX XXXX/credit acceptance. I've entered into this contract without full disclosure. XXXX XXXX credit acceptance knowing and willingly took advantage of me and my consumer credit. I was given false and deceptive information. I was told that a downpayment of {$1900.00} was needed in order for me to drive off the lot. XXXX XXXX/ Credit acceptance, failed to clearly and conspicously disclose to me that a Finance charge, WAS the SUM OF ALL CHARGES, and never informed me of my RIGHT to include my insurance into the finanace charge. I was never given notices that comes along with consumer credit transactions. I was never informed of my right to rescind either, full disclosure of my right to rescind.2 ). Transparency regarding the process of the consumer credit transaction/application being the financial asset. 12 CFR 360.6 ( 2 ) as well as self liquidating paper, 17 CFR260.11b, False and deceptive information 15 USC 1692e and 15 USC 1605 and 15 USC 1635 ( a ) and 15 USC 1611 ( 1 ) ( 3 ). Due to the facts of said violations affiant rescinds the contract with XXXX XXXX Creditacceptance , wgich was sent via certified mail return reciept. Credit acceptance knowinlgy is damaging my reputation has caused me extreme emotional distress and placed me in a state of XXXX, fear, and uncertainty of the financing system. I have wanted to buy a house but now i can not due to the negative actions of creditAcceptance and thier reportings on my consumer report, which ive never given written consent for them to do so.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NY)

I recently had to pull my credit report for the first time as I am a freshman college student and was getting rejected for a housing application. I realized that there's Debt collection company named JEFFERSON CAPITAL SYSTEMS, XXXX XXXX on my credit report. According to my credit report, this collection appeared to have been submitted on XX/XX/XXXX and the debt that was referenced was listed as delinquent since XX/XX/XXXX in the amount of {$590.00}. The report did not list what this debt was for and myself nor my parent has never had any dealings with this JEFERSON CAPITAL SYSTEMS. According to collection activity, the last XXXX digits of the account number for this activity is # XXXX and listed an open date of XX/XX/XXXX. 

In XXXX, I was XXXX XXXX XXXX and unable to conduct any type of business. This information is erroneous and false and as such should be taken off my credit report and the company needs to be investigated. It is also of note that the erroneous debt was listed on my report for collection AFTER the NYS statue of limitation for such debt if it were valid. It should also be taken into account that JEFFERSON CAPITAL SYSTEMS has never reached out to me regarding this matter before I saw it on my report which denied me opportunity to investigate it and defend myself and protect my credit. Because of this action, I am being denied benefits that are critically important to my livelihood as a XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I submitted a dispute through Chase for concert tickets because XXXX never made a mention of an obstructed view when I bought them, only to have an obstructed view when I got there. 

XXXX said they dont provide refunds and Chase said the charge was valid, so I lost the dispute. 

The problem, however, is that on XX/XX/, I was provided the credit for this dispute. On XX/XX/23, I called Chase to ask about the status of my dispute as I wasnt sure what the sudden money in my account meant. 

The Chase representative told me I had won this dispute and that the decision had been made on XX/XX/. I asked if I could therefore receive the money to my checking account and they said yes. Two days after that, on XX/XX/23, I received an email asking me to confirm that Id like to receive the money to my checking account, if not it would be sent as a check. 

If this was a temporary credit, why was the money released this way? Additionally, the Chase representative told me I won the dispute only for another representative over a week later to tell me I had lost. Their incompetence has caused extreme stress.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom at may concern : I know my right under the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX 15 usc 1681 section 602 A. states I have a right to privacy. 
15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 
15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-07-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Again, this is evidently a company PORTFOLIO RECOVERY ASSOCIATES XXXX I did not have a contractual relationship with. How are they claiming I owe them a debt? They failed to send me proof that this account belongs to me along with the name, and address. 

Another account under the same company PORTFOLIO RECOVERY ASSOCIATES Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2021 I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Unauthorized inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute for an inaccurate entry on my credit report. I asked for a complete copy of my report from Transunion once they finished their investigation and subsequent removal of the erroneous information from my report. I did get a letter back saying they removed the inaccurate entry, but never received the correct copy of my report via US Mail. I called to ask about the report and was told I would have to sign up for credit monitoring service to get a copy of my report. The federal law indicated that the credit reporting agency must provide a copy of the report.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

XXXX XXXX XXXX Received a report from LexisNexis saying my savings account for XX/XX/2022 and XX/XX/2022 had {$1800.00}. Combined with my checking account this put me over the {$2000.00} resource limit and triggered an overpayment. However, the REAL amount in the savings account for that month was {$51.00}, Verified by the bank itself. LexisNexis failed to provide a copy of my consumer report upon request.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (MO)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Owed : {$6100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. Your inability to provide me with needed documents to prove your claims that the disputed items belong to me should have resulted in the deletion of the items in question. I demand you to comply with the Federal law and have the disputed items removed at all cost.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (NE)

I have contacted this company via mailing letters on XX/XX/2020 and XX/XX/2020. I have not received ANY correspondence from this company. I have contacted the client and they could not locate as well but it still reporting on my credit report.
Consumer complaint received 2023-12-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX I received a {$500.00} per paid AmEx gift card from my place of work. On XX/XX/XXXX and XX/XX/XXXX I attempted to use the prepaid gift card at XXXX XXXX in person, XXXX XXXX online, and XXXX. Each time was declined and charged XXXX cents for each attempt. 
I call customer service on XX/XX/XXXX at XXXX ( AZ time ) but only got to a pre recorded message stating that heightened security measures wont allow me to use it at some places. The places I tried to use it are huge. The fact that I can not use it at those 2 places is wrong.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (CA)

I have made a complaint about not being able to access my Equifax credit report online. In response, today, I received in the U.S. Mail, from " XXXX XXXX XXXX XXXX, a paper form to order any of my credit reports THROUGH THE MAIL. This form requires LESS information that what is required online. Why do I have to risk sending this paper form with all my identity theft information through the mail, and wait 15 days, when it is, by law, supposed to be available to me ONLINE? That's a rhetorical question. I'm NOT going to send this form in. I expect all of the credit reporting companies to have functioning software and websites so I can access my " free '' credit report ONLINE. As a result of complaining to YOU, all I've got was this XXXX response by the XXXX XXXX XXXX XXXX, probably staffed by leftovers from that XXXX Trump, AND solicitations to BUY my online credit information from XXXX. At what point am I going to be able to get my credit reports ONLINE and get corrections made ONLINE? That seems a LOT more efficient than having me spend hours online only to find out that these predatory for-profit XXXX are NOT REALLY giving weekly free credit reports online ; it seems a LOT more efficient than requiring me to send in a weekly, paper, request via U.S. Mail. All three of these for-profit credit bureaus need to be sued BY YOU and fined for fraud. XXXX and these three credit reporting companies are ONLY using their online presence to try to SELL stuff to consumers and they are doing that by REFUSING to make these credit reports available ONLINE. Even when I've been able to get a credit report, those reports are incomplete - they **** the last four digits of MY accounts, old and new and I can't identify accounts without that. And, so far, each of my credit reports has either missing or incorrect information - but I can't dispute it online, because, " sorry, but our website is down now ( always ) ''.
Consumer complaint received 2017-06-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hello, Thank you for your complaint  XXXX  about EQUIFAX, INC..   We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.  [    XXXX   XXXX   XXXX   XXXX  !!!! im the victim and equifax is the fraudster!! ] thank you for your admission of GUILT, Equifax can not respond with clarity, they are THE PRIMARY REASON FOR BLOCKING MY ACCOUNT WITH  XXXX !!! AS THE EVIDENCE CLEARLY SHOWS, AND THE NEXT COMPLAINT WILL BE AGAINST THE CFPB FOR ALLOWING THEIR  XXXX   XXXX  RESPONSE NUMEROUS TIMES!!!!!!!!! THIS IS UTTER  XXXX  THE WAY MY COMPLAINTS GET CLOSED WITHOUT A VALID RESPONSE WHE N IM SH OWING TANGIBLE EVIDENCE OF THEIR CRIMES!!!!!!!!
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC (AR)

Our home was foreclosed on in XXXX. I truly believe there was fraud involved and now Im losing my home. I need someone to look at the accounting and help me out. XXXX XXXX XXXXXXXX told us to not make payments to get our loan to where we could modify. This was the beginning of a long drawn out battle. After that, they would not let us make payments which continues to incur late fees, interest, etc. We were part of countywide, XXXX XXXX XXXX and then sold to Selene finance in the middle of modification. Selene finance made us start a whole new modification and did not honor the XXXX XXXX XXXXXXXX mod. Selene finance did not allow our modification even with significant income and the 40 year fixed by biden. XXXX XXXX XXXXXXXX bought the home at auction. We had no idea it had been sold until a realtor showed up at our door. We were still trying to modify. The accounting does not add up. My husband is in stage XXXX XXXX and stage XXXX XXXX XXXXXXXX. I have XXXX children. Im at a loss. Please let me know services you provide. I have all documents for forensic auditor. This has been my home for 22 years. I raised my kids here and throught I would have grandkids here. It doesnt seem right m. Soenthing was mishandled and I believe that with all my heart. They would not let me pay after begging them to at least start paying on mortgage. Please please help. 
Thank you,
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (MD)

Equifax failed to respond to my dispute letter of XX/XX/2021 within 30 days. I sent this letter XXXX certified mail and have enclosed a copy my original letter, the certified mail receipt, and the XXXX tracking report showing delivery on XX/XX/2021, as well as my follow up letter on XX/XX/2021. 

No response or action was taken on their part. This failure to comply with federal regulationsby a credit reporting agency violates the FCRA.