davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

Debt Collector, AMERICAN EXPRESS closed my credit card due to non payment of an alleged debt. As a consumer, credit was extended to me through the use of my social security number that is linked to an account attached to the strawman XXXX XXXX that was issued to my parents at my birth. AMERICAN EXPRESS can not issue credit as banks do not have the power to do so. This credit transaction is already being paid for through my account at the treasury thus, I have open ended credit. Since this was a consumer credit transaction I should have received the proper disclosure form for rescission under the Truth In Lending Act in which AMERICAN EXPRESS did not disclose to me. That is a violation of 15 USC 1635. I also disputed this alleged debt and since it was in dispute AMERICAN EXPRESS was to return to me all payments that I have made to them in which they did not which violated 15 USC 1692h in the Fair Debt Collection Practices Act.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I paid this account off via settlement with two payments on XX/XX/XXXX and XX/XX/XXXX to Credit Acceptance 's third party collector XXXX XXXX XXXX XXXX. This company has since forwarded the payments over to Credit Acceptance last month. As of today, XX/XX/XXXX I still have not received a {$0.00} balance letter from Credit Acceptance. I have called and placed verbal authorized twice now for the three credit bureaus to call and verify the balance. XXXX calls and gets a {$0.00} balance. XXXX  calls and speaks to a XXXX and gets a no the balance isn't updated and the file is with their legal team. XXXX speaks to a XXXX and she says no authorization has been placed. Again I've placed specific authorization with specific names from each bureau that will be calling TWICE. I want my {$0.00} balance/ settled letter as this was a ton of money I paid out to settle this account. I am being told that home new home closing set for XX/XX/XXXX will now be delayed due to this and that I may have to switch to another home! Again I paid this out on XX/XX/XXXX & XX/XX/XXXX. This is ample enough time for me to get an updated letter from Credit Acceptance.
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MI)

On XX/XX/XXXX I received a foreclosure notice from the mortgage company. I called them and they stated that I have a foreclosure date on XX/XX/XXXX and I need to pay the full amount due to reinstate my loan. They offered to run my information for a loan modification which would require a 3rd of the amount of the reinstatement amount as a down payment if it is approved. They also advised I would receive a call and email from my Representative to let me know the progress. I did not receive the email, mail or a phone call. I called again and spoke with XXXX on XX/XX/XXXX who then told me that the Foreclosure was cancelled and that she was setting me up for a repayment plan and I would receive the information in an email. I still have not received anything. So I called again today and spoke with 3 different representatives, who told XXXX is out for the next few days, but that a repayment plan is not available. They all confirmed their is no sale date but no other information matches and they will not send me anything in writing. I need to know if my house is on the foreclosure list and I need the sale stopped. I need this loan charged off and the deed to my house. I am willing to settle but I deserve the truth. I have a family and I can not be out on the street because a mortgage is playing games with my life. Mortgage Company Specialized Loan Servicing
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (CA)

When I leased my vehicle I was told it would be good to buy a service plan as in the long run you don't have to worry about paying for it later and it is more cost effective. I paid for the all inclusive plan and it would be included in my payments. I later found out that my first ever service is free which is standard for an XXXX ... so why would I pre pay for two more services which in a long run would cost me more money. 
I called XXXX XXXX in CA and they assured me a pro rated refund ... I have yet to see the money applied to my principal balance. Last week I called XXXX XXXX XXXX and they promised to resolve the issue and they have not ... XXXX XXXX account # is XXXX ... 


The day I bought my car I was told as my credit score may have not been up to par my rate was higher ; and when I asked what does it need to be I got a vague answer ... When you comeback in a few years to lease another car and your score is better you will have a better and lower payment. I feel I was steered.. I need help in getting XXXX to comply please.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a check from a tax professional that I deposited to my bank account for my state tax refund. The bank cleared the check sent me an email telling me all was good and made the funds available. A week later they reached out to me to make me aware the check I had been given was fraudulent and they were ending my banking relationship immediately because I was given a fraudulent check. I have agents telling me that this is because the bank is taking a loss and other agents advising me I am now responsible for the balance. I'm now left to scramble to change my direct deposits and with no funds even though they cleared the check and told me to shred the check. 

I filed a XXXX complaint in effort to get assistance with the issue and in turn Capital One, in retaliation, now has a SBA investigator contacting me asking me information about my registered business instead of making right what they did wrong. This same tax professional completed a PPP loan that was deposited to this account. Capital one is now asking me for my tax information or they will report me to SBA fraud. I feel like this is an intimidation tactic they have adopted due to their error. I want the harassment to stop and them to clear their mistake instead of further victimizing me.
Consumer complaint received 2021-10-13
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: Experian Information Solutions Inc. (IL)

The accounts listed below do not belong to me. Pursuant The FCRA credit agencies must verify accounts reported on a consumer credit report. I did not give any company nor agency consent to benefit from or utilize my authorized credit. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX Original creditor XXXX
Consumer complaint received 2021-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

I have paid over XXXX for my car. According to the years reported on my credit report the loan amount is XXXX. At this time the agency reports that I still owe XXXX. I do not understand why. Furthermore, this vehicle should be written off according to the SantanderMulti Settlement where car dealership made fraudulent reports on credit application. Santander was made aware of this on XX/XX/XXXX after finally providing me with a copy of the application with the assistance of the XXXX. On XX/XX/XXXX Santander respond by saying sorry with no other information to resolve this matter. Santander was also made aware of the XXXX XXXX XXXX forgery as well. 

I have attempted to get this resolved for since the settlement offer, however Santander has continued to be noncompliant in providing accurate information. In fear of my car being repossed. I had to sign another contract until the year XXXX. 

I need help removing these accounts that negatively affects my livelihood.
Consumer complaint received 2023-04-01
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: Bread Financial Holdings, Inc. (MS)

Comenity Bank/AnnTylr is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Comenity Bank/AnnTylr to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Comenity Bank/AnnTylr did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Comenity Bank/AnnTylr to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Consumer complaint received 2020-11-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Granite Edvance Corporation (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

A couple weeks I received a voicemail from " Bank of America '' to call with an urgent business matter. I have been in communication with the real BoA so I did call, they stayed I owed {$710.00} and if I didn't pay they'd send me to collections. I told them I had paid. Then I realized it was fraud and hung up. I called the real BoA and they confirmed neither of those calls were from BoA. I blocked the number. I now receive a letter from fake " BoA '' staying that I owe {$710.00}. They want payment to po box XXXX XXXX, CA XXXX phone # XXXX. I am obviously not going to pay or reply.
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

Completed grant application in XXXX from PAHFA # XXXX, requested help resulting from Covid Hardship, fell behind in making payments. After several months of paperwork and waiting in process, was awarded the grant/ {$7900.00} received documentation via email of the amount that would help to bring account current/ assist during this hardship. Had to sign receipt of grant acceptance notification of amount /along with XXXX  . Grant funds awarded would be sent directly to Mortgage company in amount {$560.00} monthly and has up until recent months. PAHFA has not communicated as to why payments has not been sent from the grant that i was awarded for XXXX XXXX, just stopped according to Mortgage company sending grant payments. Mortgage company claim they don't have any communication from PAHFA of termination nor have i received any communication from PAHFA other than system migrating when I called had no other information nor help, told to email PAHFA, tried emailing unsuccessful in attempts. Meanwhile, I just received a default notice from XXXX about my home status being in trouble, when grant funds awarded is in positive balance. I am at loss as to what is going on, can get no understanding from XXXX PAHFA can't email nor communicate with team that can help with this problem. Please help [
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

My complaint is in regards to Chase banking. I reported fraudulent transactions on my bank account for 3 transactions where someone accessed my account is some way, shape or form and zelled themselves 3 separate times totaling {$2200.00}. I reported this as soon as I logged in and noticed my account had went negative. I then logged into my account a couple of days ago and saw the transactions had been reversed back onto my account meaning they denied my claim but was not sent any reasonings for this denial or any letter about this denial which is unfair to me to not get any answers in regards to this. The day we noticed we changed my username, password and all account information that someone could have access to and also canceled my debit card. I need answers and need this fixed. I have never had this problem with my previous bank and switched to chase because my husband also had chase. I did not authorize these transactions and dont approve of the decision chase made in this case. It is not fair to me to be made to pay for someone elses decisions. I need this solved as soon as possible!
Consumer complaint received 2021-10-13
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. (MS)

I HAVE BEEN COMMUNICATING WITH THIS COMPANY SINCE XXXX OF XXXX VIA MAIL. I HAVE SUBMITTED SEVERAL REQUESTS TO THEM AND THEY HAVE FAILED TO UPDATE ME EACH TIME. PLEASE SEE ENCLOSED DOCUMENTATION THAT I HAVE MAILED OVER THE MONTHS. I FEEL MY CONSUMER RIGHTS HAVE BEEN VIOLATED REPEATEDLY AND I NEED THIS RESOLVED IMMEDIATELY. THANK YOU.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am sending this letter because I am very concerned. There is one late payment reported on my account on XX/XX/XXXX. This is affecting my credit score and now I am not able to get a home. 

I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payment was on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

I am requesting Capital One National Association to correct the late payment reported on XX/XX/XXXX. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 7 years and I want to keep on having a good relationship between us. 

I really hope you can deeply research this case and take a fair decision. 


Account information : Account number : XXXX Opened date : XX/XX/XXXX Highest balance : $ {$4300.00}
Consumer complaint received 2021-04-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged Account. The status is reporting late along with showing a monthly payment on a CLOSED account. I find that strange since I don't recall being late. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well different open/close dates. Doesn't this go against the FCRA Laws?
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I've never had cc with XXXX there on my Experian it seems like XXXX and Experian are in couhotes together also on my XX/XX/XXXX XXXX shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late
Consumer complaint received 2020-11-18
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 (CA)

I've never had cc with XXXX there on myXX/XX/XXXXit seems like XXXX and XX/XX/XXXXare in couhotes together also on my capital one shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late
Consumer complaint received 2020-05-05
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. (FL)

EQUIFAX, XXXX  AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Consumer complaint received 2023-04-01
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. (FL)

XX/XX/XXXX today I tried to login to Experian 's website to verify my address which was time sensitive. I could login to their phone app but that did not help. I tried to login to the website with the same information but was told my login information was incorrect. I tried to have my password reset but was told by the site that no account could be found with my email address. Tried to create a new account but the site said I already had an account with that address. You can see the loop I was stuck in. 

I called Experian 's customer support number and in the process of trying to get a person on the phone the system dismissed me and hung up. Never had a rude IVR before. Called back and went through the password reset process which sent an email to the address the website could not locate to reset my password and verify my username which was my email address. Reset the password but still could not login. The IVR then gave me the option to speak to an agent. I spent 45 minutes on the phone total and was told multiple times that my account might be locked out but the agent could not verify this nor could she unlock it. I finally after being placed on hold and told I had to wait 24 hours for my account to unlock itself at least five times I was transferred to her supervisor. She told me she could help but had to ask me a series of questions to verify my identity. This was the third time I had to verify my identity and the least secure thing I needed to do ( unlock my account ) required the highest level of verification. After going through the process I was told I would receive new emails to reset my password again. I said wait, I have already done this an it did not unlock my account, are you sure this is going to work. I was told it would and I would have to wait 10 minutes for the emails. I wish I would have demanded she stayed on the line because of course after resetting my password a 2nd time I am still getting the same error that my username and password which I just changed are incorrect.

This is a complete failure of a customer support center. I also do not like the fact that the XXXX is or is allowing Experian to outsource financial support call centers to a foreign country. No I am stuck either calling back and going through that entire process again or waiting 24 hours to see if that is really the issue with my account. Its XXXX and customer service for government services has to be better.
Consumer complaint received 2023-04-01
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. (NC)

Disputed on XXXXsubmitted payment information ( paid settlement ) {$390.00}. 
Paid XX/XX/2023 account number XXXX with collection agencyXXXX The disputed finding remain on my credit report and XXXX will not removed After submitting proof of paymentinaccurate information remains on credit reports
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

Other XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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. (NJ)

There are still errors on my report and they have not fixed the problem. XXXX is reporting different information on the 3 credit bureau. Please see attached. Close date, last activity date are all incorrect. It is also showing as a charge off on my XXXX. Please fix the problem. 

XXXX XXXX XXXX # XXXX