davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$0.00} {$5000.00} Payment Info Status Paid, was a charge-off Updated on XX/XX/XXXX Past due amount - Highest balance - Monthly payment - You've made 88 % of your payments on time for this account. 

Account is still reporting as an open account under the three agencies.
Consumer complaint received 2018-03-27
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. (NY)

I am submitting this complaint about XXXX credit reporting agency and  transunion credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and transunion and XXXX are still not deleting it off my credit report.
Consumer complaint received 2020-05-20
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2018-01-17
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. (MO)

I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being  treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.
Consumer complaint received 2017-06-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (NC)

In  XX/XX/XXXX  I hired  a licensed builder to add an addition that included a garage, bedroom, bathroom and bonus room to our home. The builder contracted a licensed  architect ,  XXXX   XXXX  to draw up plans for the new addition. The  Plans  were finalized and signed by    XXXX   XXXX   in  XX/XX/XXXX .   <P/> Meanwhile I contacte d   XXXX   XXXX   of Prime Lending in   XXXX  , NC in  XX/XX/XXXX  to start putting together a construction loan for the new addition. The construction loan documentation was completed and the closing was in  XX/XX/XXXX .   <P/> The town advised us that we needed to   replace the septic. My current builder   XXXX   XXXX   had no experience septic builds so in  XX/XX/XXXX  I terminated my contractor   XXXX   XXXX   and hired   XXXX   XXXX   friend   XXXX   XXXX   who is a licensed builder already vetted by Prime Lending to complete the addition because he was more knowledgeable about septic builds.
<P/>  Draws against the construction loan were taken to pay for : the time the original builder put in a new septic to accommodate the additional bedroom and bathroom a new water heater.  <P/> On   XX/XX/XXXX ,  XXXX  co ntacted me via text saying that a problem came up with the town. It turned out that the current setback did not accommodate the new garage addition. No one checked with the town during the drawing up of the plans.   The builder,  XXXX , drew up a new addition that was aesthetically disappointing and did not include a garage.  <P/> In   XX/XX/XXXX , I  contacted  XXXX   XXXX  and told him that the construction money would have to be paid towards the mortgage principal because we could not go ahead with the addition. He stated that this was the first time theyve ever done this so they will have to research to find out what to do but his underwriter did not contact   XXXX   XXXX   for direction un til Mid- XX/XX/XXXX .   <P/> I filed a complaint with    XXXX   XXXX   in  XX/XX/XXXX  but they have not resolved the issue I am paying interest on {>= $1,000,000} that is sitting in an account making Prime Lending money when it should have been transferred to my mortgage loan principal in  XX/XX/XXXX  when I first made the request. Repeated status requests to Prime Lending get me nowhere. It seems that they are happy to let my money sit in their account earning them interest while I pay interest on money that I have no control over.
Consumer complaint received 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Issue Date : XX/XX/XXXX ( XXXX XXXX - XXXX XXXX CST ) I checked my credit score on XXXX and was shocked to see that I have 10 Hard Inquiries with my Transunion credit report because a number of those inquiries were ones I never authorized or were aware off for that matter. 
I never had business with these companies and kindly request them and their inquiries to be removed immediately on my account before my credit score is negatively impacted even more. 

Misreported Inquiries : 1. XXXX/XXXX ( XXXX XXXX XXXX ) XXXX, FLXXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX ( Bank ) XXXX, ND XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX ( XXXX XXXX ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX ( Bank ) XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 5 & 6. **TWO HARD INQUIRIES*** XXXX XXXX ( Automotive ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX and XX/XX/XXXX I called their XXXX number to speak to a representative and told them I have been a victim of their inquiry issue. I listed out the inquiries from my credit report and the representative ( XXXX ) stated he was unable to do anything with my misreported inquiries with no clear explanation why he could not. I was frustrated and disappointed with Transunion 's customer service because their customer service would not help and take care of the negative inquiries reporting to my credit report. 

Please fix and advise. I desire and request these list of inquiries to be deleted. I understand how important my credit rating is, and do not want false and misreported inquiries affecting my credit score and weighing it down to a negative impact by Transunion 's terrible customer service. 

Thank you, and I look forward to hearing from you soon.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of XXXX I had deposited a check into my chase bank account the funds had went on hold and when they were released in XXXX of XXXX I went to use my debit card and was having issues I then went into a branch where I found out my account was restricted since then Ive been trying to get chase bank to release my funds its now XX/XX/XXXX and I want to now close my account which has become a hassle because they refuse to close my account.
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (AZ)

On XX/XX/2018, a payoff check for our auto loan with GM Financial was sent to their office. On XX/XX/XXXX, GM confirmed that they received the check. Today is XX/XX/XXXX, and GM still has not credited our account and closed out our loan, despite acknowledging that they received and cashed the payoff check. Not only that, but GM has continued to report the loan as Late to the credit bureaus! Not only did we make a regular payment, we paid off the loan in full! 

Because of this, we were barely able to obtain a loan to buy a new car, and we had to pay a higher interest rate and were limited in our choices, because, to the banks, it looks like we still have an auto loan open, that we're not paying! AND they are continuing to hound us with collection calls! We were told they would put a 1 week " courtesy hold '' on collection calls last time we called - there's nothing for them to collect on! The loan is PAID OFF!

As if all of this wasn't bad enough - we're not the only victims! A rep at GM told us that there are " over 100 '' accounts in the same situation! They blame a recent " software upgrade, '' but it seems that there must be a way that in over a MONTH 'S time, they could credit our account and close it! They even generated a statement on XX/XX/XXXX, 15 days after they acknowledge they received the payoff, showing that we owe a balance we do not owe! It is fraudulent! 

They acknowledge that this is entirely their fault, but every time we call, we're just put off further and further - " give us a couple more days, '' or, " it should be all cleared up within XXXX business days. '' But it isn't! This is ridiculous, and it can't be legal for them to continue to fraudulently report the account as Late to the bureaus, when it is not late at all! Please let me know what we can do.
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX, 2017 @ XXXX XXXX Upon creating an account with XXXX, I was prohibited from connecting to my online bank account. They are restricting access to my financial data with no grounds other than the specific service I am using. I see this as gross discriminatory action and expect this issue to be resolved in a timely fashion.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

My husband and I have been XXXX customers for years, Citibank handles credit card services for XXXX. On our XX/XX/XXXX statement, Citibank closed my card XXXX due to fraudulent charges. They claimed that my card had fraud charges on it when I took a trip to XXXX to see my son. The charges were numerous ranging from {$89.00} to {$95.00}, although they credited our account we were left feeling skeptical. The fraud charges on our statement reflect that they happened during my trip to XXXX. 
So, to avoid further confusion on our account I started paying for my gas with cash. 
Shortly after, I started examining our statements closer and noticed duplicate charges on my husbands card XXXX. I immediately asked my husband if he thought they were correct since this was his card and he had not traveled to XXXX with me, he also added that the charges on his card must not be correct since he did n't frequent the store that often. As an example, some of the charges on his card XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, everyone of these charges were for {$39.00}. 
I immediately called Citibank to dispute these charges, they told me they would send dispute sheets but all we received were sheets for XX/XX/XXXX. 
I have been calling to request the forms since early XX/XX/XXXX, the latest forms they sent were statements of our account instead of dispute forms. And, every time I call they keep transferring me between the Dispute Department to the Security Department and keeping me on hold for a long period of time, plus dropping my calls.
Consumer complaint received 2021-09-09
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 — Their investigation did not fix an error on your report
Company: Credit Systems International, Inc. (TX)

In XXXX of 2021, I reported a dispute to Credit Systems International regarding an item I do not owe. I never received anything in the mail. They just put it on my bureau and left it there. I am trying to refinance my home. I just spoke with XXXX at Credit Systems International at XXXX. He stated he would delete/remove it from my credit bureau ; however, he refuses to provide with me any documentation stating that he will be removing it from the bureau. XXXX stated it will take 5 to 15 business days to disappear from my credit bureaus. I asked to speak with his Manager and he said they were unavailable. He said XXXX or XXXX would call me back, but we know how that goes. I would like a letter sent to me immediately stating the information has been deleted from my credit bureaus. The account number showing on my account is a medical bill XXXX Acct XXXX. Please use my fax number so that I can receive it asap. My fax number is XXXX. Thank you, XXXX XXXX XXXX last four of social XXXX adress is XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, email XXXX XXXX
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (VA)

{$180.00} will br collected by XXXX XXXX I, XXXX, the charge is a fraud charge put on my citi master dividened card. The balance is sold to XXXX XXXX I, XXXX by citi bank.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My loan is currently being serviced by Rushmore. A lender/servicer can not collect on a debt that is transferred during the default of the loan, which is what happened here since the previous servicer was XXXX XXXX XXXX. Additionally, the main issue is that the BENEFICIARY of this is XXXX XXXX XXXX XXXX, whom was NEVER REGISTERED in the State of California. Because XXXX XXXX XXXX XXXX was NEVER registered in the State of California the Deed of Trust shall be void ab initio. My violations as a Homeowner in the State of California have been severely violated at this point and Rushmore has failed to reach out to me nor provide me with the opportunity to explore my options.
Consumer complaint received 2018-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. XXXX would not give me an option to dispute the inquiries but I did lock my credit report. With Trans Union also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.
Consumer complaint received 2019-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

hi i dont know who is the creditor and i have this account on my profile show a balance of XXXX , ,i would like to request a validation from a third party collection agency .. 
i need proof of either own or were assigned the debt from the creditor. 
and i need a copy of original contract with my signature! 

please if would like to respond to : XXXX XXXX
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

This mortgage company took over my account and immediately started attempting to charge me late fees for my payments. When I would call to dispute such charges the representative would tell me that month 's payment was applied to the prior month and that I was a month behind. I have never missed a payment and have all of my bank statements and cancelled checks to prove such. Each time I inquired which month they claimed was missing no one has ever been able to tell me. The burden of proof is on them to prove this false accusation.I have refused to pay any of these " late fees '' as I do not owe any. I have continued to pay my monthly mortgage and have been doing so for 26 years.I also always mail my payments 7-10 days early to assure they arrive by the due date. This company is a predatory mortgage company and have deliberately mismanaged my account in an attempt to gain extra funds from me and in the recent weeks threaten me with being in default. They have cashed recent mortgage payments and not credited me and have deliberately held my payments and cashed them after the due date in the past in order to charge me a late fee. Again, I always mail my payments early enough to arrive before the due date. There is no way such payments arrived late. This company also has sent offers in the past to " wipe away '' all late fees if I refinance with their company.This would cost thousands of dollars and leave me with a higher interest rate than I currently have. This again shows their predatory nature and what their true intentions are. This company has over 12,800 complaints with the CFPB and should be highly investigated.
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I began the process to refinance my students loans through XXXX ( XXXX XXXX ) on XX/XX/2020. The refinance was approved on XX/XX/2020. At no time during this process was it communicated that the servicer for the loan would be American Education Services ( AES ), nor was it communicated that the loan would be transferred to AES as soon as the funds were disbursed. However, on the date that XXXX ( XXXX XXXX ) states they disbursed funds they transferred my loan to AES. 

XXXX  has refused to provide any type of tracking to show that the funds were actually disbursed. As of XX/XX/2020, my previous lender has not received the funds for payoff and XXXX  ( XXXX XXXX ) has confirmed that the checks they wrote have not been cashed. 

During the refinancing process, initially the documentation provided on XX/XX/2020 stated that my first payment on the new loan would be XX/XX/2020. Later in the day on XX/XX/2020 I received a notification of approval with the following statement : " We have created a Final Disclosure which sets forth the final terms of your loan and saved it to your account ''. I also received the Final Disclosure which had updated my first payment on the new loan would now be  XX/XX/2020. 

On XX/XX/2020, I received a notification from AES that I had a payment due to them on XX/XX/2020. I never received anything to show that AES would be my loan servicer, nor did I receive anything that the time until my first payment due would be reduced by two months from the Approval Disclosure or by one month from the Final Disclosure. 

At this point in time, I have two loan service companies stating that I have a payment due. I have tried contacting both XXXX  and AES and both are pointing fingers at the other and neither are able/willing to provide any documentation to explain why the Final Disclosure first payment date is not being honored.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I went to XXXX for free annual credit check today which is oX/XX/2018 about XXXX. I got to review all the reports from all three which is XXXX, XXXX, and transunion. Now the transunion was asking for my credit card number so I gave them my debit card assuming it 's to prove who I am before they give me my information. They charged me {$19.00} twice which is a total of {$39.00} today. I thought this annual report is for free? Why are they charging me? They later email me a number to call but, nobody is there to answer your call.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I sent letters to the XXXX XXXX XXXX XXXX XXXX and the credit department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX