davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, I booked a trip on XXXX. When I got my itinerary, I saw that they had changed my airlines. As soon as I saw the discrepancy, I started to try to contact all parties involved for up to three days, then on the fourth day, I filed a dispute with my credit card which is Capital One. They filed it, but they were told the tickets were non refundable. It would have been fine if I had booked this but I did not choose what I was given. The trip was not planned until XXXX, so it is not like I canceled at the last minute. Well both airlines refused the claim and told my credit card to tell me to just accept the flight credit. This is not acceptable since I did not choose these two airlines but neither airlines nor Capital One will listen. XXXX XXXX basically told me they have taken my money and will not let me fly and Capital One said that it is too bad. Now the Spirit airline is saying I have a flight credit, which I do not want because they dont even fly out of my area, but it has been a month and a half and I still have not gotten anyone to talk to. Capital One tells me that is too bad. The first flight money I lost was XXXX bucks and the one I trying to dispute with no luck is XXXX bucks. I do not think I should be stuck with this but the company will not do anything else, nor can I get anyone on the phone that knows what is going on.
Consumer complaint received 2021-10-21
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: PENNYMAC LOAN SERVICES, LLC. (TX)

This is a formal complaint against Pennymac Loan Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Pennymac Loan Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-03-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (KY)

I had a bundled auto and renters insurance policy with XXXX XXXX Insurance.I paid the renters policy for a year and the auto was paid semi-annually. I relocated on XX/XX/XXXX There would be no need for a renters policy for a dwelling I no longer live in. XXXX XXXX Insurance has taken it upon themselves to auto-renew the policy. I paid them fully for my auto and renters insurance for the year of XXXX. They have been notified from XX/XX/ XXXX  of my address change.They have now sent me to Credit Collection Services for an outstanding balance of {$150.00}.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (RI)

I have contacted them before and they told essentially there was nothing they can do. How is the current balance of $ XXXX is still being shown although I have the current balance down to $ XXXX? Im trying to build up my credit and I thought this company was going to be able to help me out but the lack of effort is concerning.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (LA)

This is a folllow up to a previous complaint that was closed after the mortgage company responded. That complaint number is XXXX. Truist said that were reworking the escrow after sending me a new mortgage payment of {$1900.00}. XXXX XXXX told me on XX/XX/2022 that was being reworked by the escrow manager and to continue to pay my {$1800.00} and to continue to hold my XXXX escrow payment. It has been one month and despite numerous attempts to contact XXXX XXXX for an update, I have received no response. Meanwhile, I continue to get notices to " assist with my late payments ''. I am paying less that the current amount shows per his direction. This can only be causing more problems. Again, there is no full resolution to this problem and the company continues to fail in communication. I would like to know what options I have. Can I hire my own forensic accountant to fix their problem? Can I hire an attorney? I just want this resolved and would love for Truist to answer to their issues. Not only for me but the countless other complaints I am reading from other Truist customers.
Consumer complaint received 2021-12-08
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. (KY)

Confirmation number so Equifax can see my report. XXXX equifax removed a XXXX XXXX closed account off of my bureau 4 years ago because I proved it was not mine. It has since been off of my report since then until last month they decided to put it back on my report again which is illegal. They also have re aged the account to show last months date even though it shows the account was opened over 7 years ago and are reporting it with a charged off balance which is dropping my score by over 70 points. I have tried to dispute this error but it shows unavailable to dispute on equifaxs site. This is the only negative account I have on my report and it is keeping me from refinancing my home which is costing me thousands of dollars. equifax needs to remove this account completely again from my report or I will be filing a suit
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (NV)

I checked my credit report recently and noticed unauthorized inquiries in my report. They are the following companies please remove from all 3 bureaus 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 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

My name XXXX XXXX. I had an item i wanted to buy from XXXX XXXX, XXXX XX/XX/2021, Amount {$3800.00}. So i was advice by the store associate to apply for their store credit card that carries 0 % APR for 18 months, since i have an " Excellent '' credit score with a FICO score of XXXX & above depending on the credit bureau. XXXX credit card is operate by " Synchrony Bank ''. I was hoping there won't be any problem since i have an excellent credit with a FICO score XXXX & above depending on the credit bureau, so i applied. After my application, Synchrony bank run my credit history but there was no issue as well & i was instructed by the bank to send my ID & take a picture of myself and submit it to the link that the bank sent to me to verified my identity. Immediately after i submit my ID & take a picture of myself they saw my picture & realized the applicant was an XXXX, then they started coming up with all kinds of issues just to denied the applications because in their widest dreams they could not believe at a time like this a XXXX man can have such a great credit history. This is unbelievable & unacceptable that having a good credit history is not good enough to get a store credit card for an amount a low as {$4000.00} even though it's clear through my credit history i am above & beyond qualified. They were unable to provide a cogent reason for the denial because i ask them for the reason, THEY ONLY JUST GAVE ME A GENERIC RESPONSE. I HAVE A GOOD JOB, GOOD INCOME & FICO score of XXXX & ABOVE depending on the bureau, i've been on the job for more than XXXX. WHAT A HELL IS THE REASON FOR THE DENIAL I want to make this compliant here as " Synchrony bank '' has racially profile me & i felt been discriminating against cuz this is an act of discrimination even though i met above & beyond all the qualifications for this credit card, they could not provide me with a cogent reason for the denial. Synchrony bank need to be exposed because i'm sure they have done this to some other applicant of XXXX. THIS CAN NOT CONTINUE!! This is perhaps the most humiliating i've felt in a long time.
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (NC)

In XX/XX/XXXX, I had an account with XXXX XXXX. I was with XXXX at least since XXXX and did not enter into a contract with them since the initial 2 year agreement. When I didn't accept their offer to renew in XX/XX/XXXX and went to XXXX, they charged me a {$200.00} contract fee. I had no contract. They also did not cancel the contract when I first called to cancel. In XXXX Allied Interstate put a collection on my credit report reducing my credit score with this fraudulent debt. I even tendered a payment without the contract fee when I don't have to -- for accord and satisfaction. XXXX demanded the full amount. I disputed the debt with Allied and they provided an old bill but nothing substantiating the charges. They did not respond to my follow-up letter. This is fraud. I went to XXXX. They offered to buy out my old contract. Because I didn't have a contract, I didn't request a buy out. I attach my evidence. There was no consideration for a new contract. This is my last attempt to resolve this before I file suit.
Consumer complaint received 2021-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

The company failed to close the account when I returned our cards and they continue to allow charges to the account which are not legitimate even though their own investigation disclosed that they are not purchases that we made.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

To whom it may concern, I was recently looking at my credit report as I was thinking of making some home improvements. There are a few inquires on my credit report that are 100 % inaccurate and never authorized by me. These are all fraud and were never signed by me. I never signed any documents with any of the following companies and do not know anything about any of this other than wasn't me. Someone tried to steal my identity. According to my credit karma it says on transunion I tried to apply for premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and on equifax also is showing premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and a company XXXX XXXX XX/XX/XXXX. I am also being hit with a late fee from my car dealership. I had spoken to thing months ago when covid happen. I had been a loyal customer for over 10 years. To make a long story short they had said they would remove the late fee due to covid and as curtsy to me for being a trustworthy customer. When I called them today that had nothing in there notes which is one of the reasons I came to you guys to resolve and help fix all this negative stuff.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (OH)

The following companies did not have permission to request my credit report from XXXX, Experian, and XXXX : XXXX - Miscellaneous Finance, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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, XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX University : XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX # 51, 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 15 U.S.C 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2021-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

LVNV Funding LLC added a debt to my credit reports. First of all LVNV Funding did not notify me before adding this debt to my credit reports. Secondly, the account and company LVNV is representing is in litigation. Finally, LVNV funding did not give me an opportunity to dispute this debt. All of these are in violation of the FCRA. My next action is to file a lawsuit against LVNV Funding, LLC.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i received a sale notice date set for XX/XX/XXXX from peak foreclosure service acting as the trustee for from what i was told Bank of America, but my loan was originated by XXXX XXXX XXXX Loans, i was contacted by XXXX XXXX servicing a sub-servicer working for either Bank of America or XXXX XXXX XXXX XXXX XXXX in which all of these companies claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX a shell company is the owner of my mortgage i request a QWR back in XXXX of XXXX but never received a reply in the time framed prescribed by law from none of these companies, this loan has been moved from one place to another with no real way of knowing who is the real owner of this loan in order to get answer to question of why my mortgage payment and deed of trust do not have the same interest, payments and terms from the day this loan was recorded, and who i should speak to regarding the decisions of a loan modification from Bank of America or XXXX XXXX XXXX XXXX since the sub-servicer has to get information from these banks, i need names and numbers of representatives from of these banks regarding all information pertaining to the mortgage that they claim to own, also if Bank of America is the decision maker then i need to speak to them directly regarding my loan modification request because i have no clue who the real parties are, interesting enough i found a case just like my that spells out this problem : CLICK ON THE LINK : XXXX : XXXX # XXXX Follow The Mortgage - XXXX
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-05-28
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: Radius Global Solutions LLC (CA)

I received an alert today from XXXX  telling me that my scores dropped by over 60 points! When I looked into this issue there appeared a collection from a company I never heard of called Radius. Once I was able to find out who Radius was I realized that they were collecting for XXXX XXXX. I personally have never had an account with XXXX XXXX so I have no idea why they are on my credit report. And the bill is only for {$52.00}!!! I am contacting Radius and XXXX XXXX right now to demand that they remove this from my credit immediately. I am trying to buy a new home and a car within the next few weeks. Obviously 60 points is a big deal to me right now!
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Picked up said " hello? '' a man responded " hello? '' I said " hello? '' again and he said something I couldn't quite make out to the effect of " picked up phone. '' which indicates the use of a computer diler. 

I stated that I did not identify the debt and do not believe I owe the money also told the rep that she was calling my cell phone I she does not my consent to keep calling it. 
I Also requested that proof of the debt be mailed to me and to stop calling my cell phone. 
She continued her attempt to collect and I asked why was she ignoring my requests she then proceeded to tell me that if I wanted the company to stop calling I would have to sent a written request which I do not believe to be true.
Consumer complaint received 2021-02-26
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: DISCOVER BANK (MD)

I have received alerts that there is unauthorized activity taking place on my credit profile that I am unaware of. 

The following inquiers accounts are. Reporting to my report on XXXX : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( I do not claim any responsibilities for this closed account attached ) XXXX on XX/XX/XXXX On XXXX inquire for : XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( I do not claim any responsibilities for this closed account attached XXXX Discover bank on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-05-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I received a notification from Bank of America that my credit card was upgraded from Visa Traditional to Visa Signature as I was a preferred client. They sent me a new card that is stamped ( Visa Signature ) and I started using the card. Lately, I had a damage and there is a benefit for such loss under the Visa Signature but not Visa Traditional, when I contacted Visa to collect such benefit being a Visa Signature holder, I was directly informed by Visa that although the card is stamped Visa Signature the bin number on the card ( first 6 digits ) are for Visa Traditional ( first 6 digits are XXXX ), which means I am not eligible for this benefit. So I called Bank of America to try to clarify the situation, the bank customer service representative stated that this is definitely a visa signature and when I clarified that the Bin number reflects Visa Traditional, she was shocked and transferred me to a manager. The manager was of less help and was not able to solve the issue as well.

I really request your help as the Bank is committing fraud, they mention something while the truth is something else, they issue a card with a Visa Signature stamp while it is not Visa Signature, it is the the worst types of Visa tricking their clients. I am sure they are doing this with many of their clients and not everyone experienced this.

Appreciate if you can get involved in solving this issue as my card if misrepresented to be Visa Signature while it is Visa Traditional. 

I am attaching copies of the front and the back of the card for your review.