davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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 (OH)

I sent a dispute letter to CAPITAL ONE, there is still incorrect information on my credit report that they claim is accurate. They are reporting false information and I demand this account be deleted from my report.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I discovered this morning that Synchrony Bank closed ALL of my accounts with them, regardless of length of account or the status of the account. None of the accounts were in default and I have a 100 % clean payment history across all of my credit accounts including those with Synchrony Bank. My accounts closed include : Care CreditXXXX XXXX XXXX, XXXX, PayPal Credit and Lowes. I asked why my accounts were closed and the only reason they would give is based on my XXXX credit report. I immediately checked my credit report and there is nothing changed on it. I have a 100 % clean payment history, no accounts in default and no collections. I even recently paid off two loans, one personal and one car loan. There is nothing negative in my credit file at all.
Consumer complaint received 2021-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I accordance with the federal fair credit reporting act. The following hard credit inquiry needs to be removed from my credit report. Due to the fact it's over the two year mark XXXX XXXX Inquiry from XX/XX/XXXX 2019
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I got an email from my bank warning me that my accounts were going to be restricted and closed soon because they suspected fraud activity, therefore they are protecting me and their bank, and I have to call them soon. My phone service wasn't paid for at the moment, therefore, I couldn't call them, so I went and messaged them on the XXXX app explaining all the above mentioned. I asked them why my account was getting restricted, I opted for XXXX or the XXXX XXXX because they don't have live chat support with a real person. They told me I had to call them, and that I could use a calling app, I had never heard of these calling apps before, but I searched for one the following days and later was able to call them. Upon calling, I asked them why my accounts were getting restricted and closed soon, the customer service representative told me my accounts were not just going to be restricted or closed, but they had already been flagged with notes as closed, and that I couldn't and will never be able to work with their bank any more in my life. 

I told her that made no sense, they did not even let me explain myself because I don't do fraud, and have no direct deposit currently, therefore, no one might have deposited a fake check or money. Unless I was hacked which clearly can not be my fault. She told me that the decision was final, I asked if she could tell me which kind of fraud they suspected, and she told me that the exact fraud/ reason was not disclosed to her. So I called other numbers they sent me to see if maybe they knew the reason, and their suspicions were a mistake, I could explain to them and my accounts don't get closed. All the numbers I called had the same response, " The decision is final and can not be changed, and I don't think that if you contact the hire ups anything is going to change. '' So now here I am, my accounts are getting closed, I don't know which fraud they suspected, and neither do all their representatives. Mind you my accounts were overdrawn by monthly fees and I was trying to make payments and they were denied.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MT)

I was a Wells Fargo Mortgage Customer and in a revolving door of foreclosure with them for 4 years from approximately XXXX to XXXX. I would jump through all of the hoops of getting approved for a modification, I would make the required payments requested to prove I could do it and then would be denied the modification. I did that 4 or 5 times. I was charged XXXX  of dollars in attorney 's fees for this process every time it happened.
Consumer complaint received 2021-05-06
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. (TX)

For years I've been disputing addresses, inquiries, balances, accounts, and collections with proof. The credit bureaus have ignored my certified letters, long before covid. Now its almost impossible getting them on the phone. For instance every single time I dispute nonpermissable inquiries the credit bureaus respond simply by saying the inquiries are 'factual ' ... I thought the burden of proof are on the bureaus? I also disputed the inquiries with the creditors ... they just point to the credit bureaus. Lets see what the Consumer Financial 'Protection ' Bureau does ...
Consumer complaint received 2021-03-30
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. (OH)

Hello. I originally started disputing what I found to be inaccurate information on my credit report with TransUnion on XX/XX/2020. On XX/XX/2020, I received a notice that stated the information was verified, but TransUnion failed to send me the documents used to verify it. They simply " updated '' the account. On XX/XX/2020, after reviewing my full credit report again, I send another letter to TransUnion with more requests for them to look into a number of accounts they were inaccurately reporting. They failed to respond within the 30-day window, so I sent yet another letter on XX/XX/2020. When they did respond on XXXX, they noted accounts were updated again but completely ignored my requests for documents to verify. 

I am tired of them using these stall tactics. It has been 6 months and they are still unwilling to properly respond to my requests.
Consumer complaint received 2020-11-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Santander Consumer USA Holdings Inc. (TX)

I have dispute this creditor and they say I owe it which I never sign for any car loan. I demand it off my credit report its not mine. Someone else used my credit and received a car not me. If its not off I will sue the company
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CAPITAL ASSOCIATES, INC. (TX)

In XXXX 2017 I selected Mortgage Capital Associates to refinance my first mortgage. At the time I also had a HELOC. In complete agreement with the mortgage company ( Mortgage Capital Associates ) there was supposed to be a subordination so the HELOC would remain open, and I paid an additional interest rate to do this. However, XXXX XXXX XXXX messed up the closing ( admitted from them ) and the HELOC was closed. Unfortunately I did not find out that they messed up until months later when I received the notice from my HELOC company ( XXXX XXXX ). I am now trying to get the HELCO reestablished, however to date that has not happened. Thus, I was mislead and was charged a higher interest rate, that I will now pay for 15 years for a product that I was not provided.
Consumer complaint received 2020-09-06
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

This charge was taken off one credit bureau XXXX. The company radius global is a collection agency. Didnt remove it from the XXXX  or XXXX. It is not my debt. They have an address on all 3 bureaus that does not belong to me. Never lived there and they wont remove that either. Ive sent disputes on this. This is XXXX XXXX last 4 of account XXXX. Thank you for any help.
Consumer complaint received 2018-02-26
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)

I have sent several certified letters to Equifax XXXX XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Equifax still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor. On XX/XX/2018, I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.
Consumer complaint received 2020-10-25
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. (NC)

I am filing this complaint because Experian, XXXX and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

Approximately XX/XX/2021. My online banking was hacked. There was varies amounts involved. I will attach dispute letters that I received. ( I did not file a dispute on any bills ).. I am attaching a police report case number. Ive called every department in PNC bank. I visited the bank So Much the tellers and managers would go in back to avoid me. 
I lost my car in the process and paid off accounts were reopened.
Consumer complaint received 2022-04-27
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)

Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have repeatedly instructed Bank of America to STOP CHARGING MONTHLY FEES from my Visa account. Every time they research the disputed transactions, they tell me that their hands are tied -- they have to keep stealing XXXX dollars each month from my account and send it to XXXX. 

I DO NOT USE XXXX!! 

XXXX DOES NOT PROVIDE A PHONE NUMBER, WEBSITE, OR EMAIL ADDRESS TO CANCEL AN ACCOUNT. 

I OPENED AN ACCOUNT FIVE YEARS AGO AND HAVE TRIED TO CANCEL IT EVER SINCE! 

I HAVE ALSO PROVIDED BANK OF AMERICA WITH EMAIL PROOF THAT I HAVE CONTACTED XXXX TO CANCEL MY ACCOUNT AND THERE IS NO WAY TO DO SO!!
Consumer complaint received 2019-08-15
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. (TN)

In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.
Consumer complaint received 2019-08-15
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. (NC)

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-12-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

To whom it may concern Credit acceptance corporation sued me and are now garnishing my wages for a vehicle that I voluntarily repossessed. The vehicle was purchased from a XXXX dealership that closed down after purchase. The vehicle was a lemon. I had to make repairs and pay car note. It started to take a toll on my lively hood. I couldnt pay rent or purchase groceries after payments. 

I notified credit acceptance of this. They gave me the option of voluntarily repossession. When they finally picked up the vehicle after a few months. I had an isssue with my license plate. I took a ride to their office. They were rude and XXXX. Referring me to as you XXXX XXXX XXXX. They also ensured me I will get sale of vehicle information in mail. I never received. 

I kept getting calls by credit acceptance attorneys harassing me. When I would call credit acceptance directly. They told me that those were not their attorneys. However I did have to pay my balance. I recall the balance at that time being over {$18000.00}. The vehicle at that time was a over 12 years lemon. I questioned the amount they told me they will come after me for the amount owed. 

Fast forward to me answering their judgement at court house. I dont feel I owe the amount due to condition of vehicle, hidden chargers, damaging credit report and harassment. After answering the courts, I got a credit repairer. 

The credit repairer and I disputed the credit bureaus. I also contacted credit acceptance to negotiate. They told me that they would negotiate with me and I didnt have to go to court. The credit repairer communicated with credit acceptance. The balance kept changing. Credit acceptance responded to credit repairer, however never sent over requested documentation. Credit acceptance kept putting their selves off and on my credit report. Soon after they stop communication. 

Now a few years later, I am being sued. My employer informed me of the garnishment of wages. Total {$20000.00}. I went to look up credit acceptance Information to contact them. 

Thats when I found out about the numerous lawsuits against them for the same reasons described above. They just settled a lawsuit for millions. They also been under investigation by attorney general of XXXX Since 2017. 

This company is a scam. XXXX. High interest rates. Lemon vehicles. They are rude. They harassed me as well. 

Please help me in this matter. This will cause me to become XXXX by time they finish garnishing my wages for an amount thats unlawful. 

Can someone please contact me at their earliest convenience. Thank you
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

We closed our mortgage with NewRez LLC XX/XX/2020 due to refinancing. We were told we would receive our escrow balance, which ended up being significantly less than what we were expecting. XX/XX/XXXX county tax bill was paid TWICE for {$2300.00} by NewRez LLC. They told us they paid our first and second county tax installments for the year. But the county proves they only received one payment for XXXX. We still owe our XXXX installment. We have spent hours with them on the phone. Their customer service agents agree that they owe us money and they say they will get back to us in a week and we never hear from them again. No responses to emails or phone calls.
Consumer complaint received 2022-10-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAP ONE AUTO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-03-30
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. (SC)

After reviewing my consumer report, I noticed that there were late pays still being reported. I Got a letter from my bank ( XXXX ) Verifying that I was never late and always paid as agreed. but Equifax and XXXX refuse to remove them after I sent them verifying documents certified mail to support my claim. I am not sure on the dates because my Equifax shows an error code which is making me unable to provide you with accurate dates. XXXX is also reporting the same inaccurate information ( Late Pays ) for XXXX. 
UNDER 15 USC 1666B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION
Consumer complaint received 2022-04-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Someone used my Social Security number my name and my address trying to open a bank account at Bank of America. I do not use Bank of America Ive been using the same bank since I was XXXX  I want this to stop I want the person using my identity to be found and jailed.