davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (NV)

CFPB # XXXX Medical Bill {$710.00} XXXX XXXX Client Service stated in the complaint, a deletion update will be sent the three major credit reporting agencies for the account that is listed in this complaint. SSN last 4 digits XXXX. Account number. XXXX XXXX
Consumer complaint received 2023-04-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MO)

I applied for a credit card through XXXX XXXX in XXXX 2016. I received a rejection letter originating from XXXX XXXX, Creditor dated XXXX/XXXX/16 stating that the reason for my rejection is as follows : CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 
To quote XXXX XXXX, " Rumors of my death have been greatly exaggerated. '' I 'm not so interested in getting the card, but I would like my information to be accurate. What do I need to do to correct this?
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (SC)

This collection agency was asked to remove this collection from my credit report after being paid in full and has stated that they could not remove this item. That was an un-true statement. Other collection agencies have removed the collections from my report after being asked to when paid in full. This collection agency is being difficult for some reason. I am no longer liable for this utility account.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX/XXXX/XXXX I took a car loan of {$16000.00} from wells fargo services dealer. 
Till this date XXXX/XXXX/XXXX i have pay more then that loan amount of {$16000.00}. 
My car value is way less then what i owe, and the remaining balance keep increasing. My bill amount it always vary. 
I think that if i have pay more of what my car loan amount was they should just clear my debt. 
But they do n't want to believe in my math calculation they do n't care they said, that they do n't know where am getting those numbers. 
I told them i added all my bills payment since the day i started to pay my car loan.They reply back that they not allow to do the calculations.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Equifax in my FICO score continues to report incorrectly that I defaulted on a mortgage. I have never defaulted on any loan. The credit union that issued the mortgage in question has reported twice to Equifax that the mortgage was never in default. Equifax customer service refuses to address FICO scores or refer me to someone who will. Complaints result only in an offer to sell me the FICO score. This failure to correct the record interferes with my ability to get a new mortgage on favorable terms and damages my personal reputation.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NV)

- Opened new chase checking account on XX/XX/year> -mobile deposited XXXX  XXXX XXXX  check in the amount of {$420.00} XXXXchase bank accepted/chashed the check on XX/XX/year> -I was notified via text message that {$100.00} was available to me right after chase bank accepted the check -I was also notified via text message that the remaining amount from the check would be available to me on XX/XX/year> XXXX XX/XX/year> chase bank unknowingly to me closed my account with the full amount of the check that was deposited. 
-scheduled in-person meeting at chase bank for XX/XX/year> and a new account was opened by the banker during the appointment. I was informed that a check was sent out to me on XX/XX/year> from chase bank in the amount of {$420.00}. 
-After waiting more than the 7-10 business days to receive the check from chase bank and still didnt received the payment thru USPS -After waiting another couple of weeks thinking it would show up in the mail soon. In the mean time I decided to schedule another in-person meeting with a banker for XXXX XXXX in hope of being able to walk out of the bank with a cashiers check or cash, but neither worked out in my favor once again. 
-chase bank customer service kept connecting me to a couple of different people that ultimately DIDNT help solve the issue and DIDNT provide me with any acceptable explanation to why or where my funds were at that moment. 
-longer story short I just dont know what more I can do in order to get my money from chase bank
Consumer complaint received 2017-03-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: QUALITY ACCEPTANCE LLC (NV)

There is a letter enclosed explaining the issue. QUALITY ACCEPTANCE LLC, committed a series of FCRA regulations as well as never contacted us to let us know about the auction of car, nor ever given us a receipt for auctioned car, and not selling car for blue book value, as well as not honoring agreement to lower the 19.95 interest rate after a year, putting us in collections when QUALITY ACCEPTANCE failed to give us not only auction slip but to warn us of auction, so we could have possibly bought car, sending letters threatening to sue without intent. In one year and 3 months, we paid including auction car that was under sold by {$3000.00}, we paid {$14000.00}, plus {$2000.00} down payment, and have no car no nothing to show due to QUALITY ACCEPTANCE illegal dealings.
Consumer complaint received 2017-01-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IL)

Original complaint case number XXXX. 
As I have explained in my response from Webster Bank I have given the information they requested five time - the last was to XXXX XXXX a supervisor with HSA Bank and the problem WAS NOT solved. I feel like Webster / HSA Bank can not solve the problem - this feels like how far can you lead a XXXX without a rope and I am the XXXX XXXX - Going through the same problem solving procedure five times with five different customer service people and still getting the same result of no access to my account DOES NOT SOLE THE PROBLEM. What do I do not???????
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 at XXXX XXXX, I deposited {$380.00} cash of XXXX {$100.00} bills and 4 {$20.00} bills into the ATM, then the ATM confirmed the {$380.00} amount and then the message that " processing transaction '' took about 5 minutes and then it said that this ATM was out of service and gave me back my debit card but not my {$380.00} and no receipt either. I called the number on the ATM but they said that my {$380.00} would be on hold for 2 to 5 business days while the claim was being researched. This is unfair that they can't provision me the {$380.00} as credit until they fix their broken ATM machine.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO. (OR)

I made monthly payments on a Chase credit card via auto pay through their website. The payments showed made each month when I logged in as well as on my monthly statements.Then in XXXX of 2016, they reversed every payment saying my bank refused them. We are talking years worth. My bank said they never returned any payments. Since I could n't see the payments coming out of my bank, I paid Chase very soon after each time they hit my account with returned payments. They did that in about XXXX batches totally almost {$5000.00}. Then, they reported to the credit bureau that I made these payments late! I do n't know what happened in the inner workings of Chase Bank and my bank XXXX, but to my knowledge those payments were being made each month in a timely manner, my proof is my statements from Chase. In all those years I have n't been late on any payments. As soon as the problem arose, I paid Chase. They should n't have reported me as willingly making late payments, when I had no knowledge there was a problem with my payments to Chase until XXXX 2016.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MT)

Ditech added a building master policy to my single condo account in XXXX even though my HOA has covered the group master policy for the outside of the building since I have lived there. Ditech keeps asking to fax various forms so I comply and send them what they ask for. I then contact the company again after sending document after document and then the rep tells me I will be credited in 3-5 days. Then today I received an email saying they do n't have my master policy again. I called them and then they tell my they need proof of insurance and want the master policy. I told them it 's in there system then they tell me well they actually need XXXX policy even though the fraudulent charges were all from this year. I track down the old policy and send it to them anyway. Then I call back I get told that it 's on my account now. I ask about credit for the charges which should not have been on my bill. Now they are saying that I just have to wait 1-2 billing cycles and then I will receive credit. I ask them for how much and then they say they can not see the information and each rep just continues to transfer me to the next department and will not help me. My condo is going to forclose and its because ditech has put fraudulent charges on my account and will not remove them even though I provided them with every document they have asked for.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I pulled my XXXX  credit report on XX/XX/20 after the sale of my home on XX/XX/20 to ensure my mortgage company XXXX XXXX XXXX ( XXXX ) reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/2020 indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX XXXX that XXXX  received full payment. 

On XX/XX/2020 I sent XXXX  a formal letter requesting they correct their errors on my credit report along with myXX/XX/2020 credit report, closing disclosure from XXXX XXXX XXXX  and a copy of my XXXX  billing statement. 

On XX/XX/XXXX I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX  points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My capital one credit card went missing and a few unauthorized charges totaling around {$1800.00}. I followed the necessary procedures to file a fraud claim and was denied {$1100.00} of the charges stating there are " no indications of fraud. '' This has been a sham with capital one since the day I reported this and I can not get anyone to help. I 've left numerous voicemails with no return calls and a certified appeal letter that has also gone ignored.. These XXXX particular charges that they are denying are from the same merchant and state that items were shipped to my address, but yet can not provide a tracking number not a delivery service in which I can follow up with. In addition, capital one stopped short of calling my family thieves and indicated that someone in my household must of made this transaction.
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Skagit Bonded Collectors, LLC (WA)

A collection agency in XXXX XXXX Washington named SB & C never contacted me that I had an account that was referred to them, they say they called and sent a letter but I never received either. After 30 days of it being in collections they filed a lawsuit against me. When my wife was handed the paperwork she notified me. I called SB & C and told them that they never contacted me and they said that the lawsuit is their attempt to contact. It cost me {$680.00} to pay off a {$350.00} medical bill. I was never notified of a court date, so I missed it. How can a collection agency sue someone without prior contact regarding my account being sent to them. I feel as if the whole thing was a huge con. They would not provide proof that they had contacted me other than just saying that they had. This happened last year but I did n't know I could file a complaint till now. Their tactics are completely unfair and I do n't see how it can be legal to do what they did to me. Any help or information regarding this would be greatly appreciated.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Disputed XXXX negative items on my credit, XXXX XXXX and Acount XXXX XXXX and outcome was that would deleted from my credit reports with all XXXX credit units. still is reflected on reportAlso a dispute about XXXX and the First Mark XXXX. These car where given to exwife in divorce court, but she will not refinance under her name, but she is pay for them. Need to be removed from credit reports.
Consumer complaint received 2021-01-27
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: EQUIFAX, INC. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX  XXXX, XXXX I did not authorize these accounts or inquiries Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated before this account does not belong to me and I have reached out muitple times to the creditors and they have failed to validate these accounts I respectfully request your office provides me with competent evidence that I have any legal obligation to pay you if not demand you delete these negatives items from my credit immediately I do not consent to these proceedings
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (DC)

I have disputed the following accounts : 1. XXXX XXXX Account # : XXXX 2. XXXX # : 3 ... 
On XXXX XXXX, 2016 I spoke to XXXX XXXX ( Experian Consumer Affairs employee ) regarding the above mentioned accounts. I was informed that a Contract was never provided but simply the above mentioned companies simply press verified in Experians system. I am requesting a contract bearing my signature as it is illegal to report non validated inaccurate information to FCRA 's. I was also made aware that Experian has been sued before for this practice. Please supply the requested documentation or delete these items from my credit report as they are non validated in accordance with the law and inaccurate.
Consumer complaint received 2016-05-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (MI)

I have owned a condominium development for about 20 years. I have decided to convert the affected property back to private ownership. To do this I must get the approval of all people who have bought parcels and their mortgagers. I have gotten the approval of the only person that purchased a lot but when I or my lawyer or the mortgagee has tried to contact the mortgage company they get no response. The company was originally Greentree but is now Ditech. They are a national company and whenever we call we speak to a person in a different part of the country. If we leave a message they do not return our calls. We have sent them a form that if signed would complete the transaction but we never heard anything back from them.
Consumer complaint received 2021-04-29
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. (CA)

I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. I sent in a letter to Equifax, XXXX and XXXX  about these inquiries on XX/XX/2021 but I haven't heard back from them. I feel like they are ignoring me. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've also filed a FTC report for a second time because of this, and I really don't want to have to escalate it even more. Finally, I've included an anti-theft affidavit as supporting documents. Please delete these inquiries from my report immediately, or I will have to file for litigation.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A few years ago XXXX XXXX, charged off this account and closed it. They then checked my credit without my knowledge and then started reporting me as having late payments again recently. The account was written off so it should show on my report as such not that I am not making my payments.
Consumer complaint received 2021-12-20
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. (MD)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 
Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.
Consumer complaint received 2021-04-29
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: CITIZENS FINANCIAL GROUP, INC. (CA)

Hello my name is XXXX XXXX XXXX. On XXXX XXXX my family and I went to XXXX XXXX in XXXX XXXX XXXX XXXX California. As we were looking at an suv a salesman XXXX came to talk to us he ask for my information he then went back inside came back with the keys. 15 min later a second sales man approaches me saying he allready ran my credit to many banks I was not present, I dont sign or agree for my credit report to be pulled XXXX did not agree to a price. 
I got very upset I told them to please get these hard I inquirys pulled back. XXXX apologize and said he would talk to his manager. Its been one week I have talk to both managers at XXXX XXXX and another manager the both have not done anything about it. I have talk to credit bureaus XXXX XXXX and XXXX XXXX  told me the best thing to do is have XXXX called them and pull back my reports but XXXX hasnt done anything. I also called the four credit banks To reports this and they said to contact XXXX. Please if you can do fix this problem I would really appreciated im so stressed about this matter.
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: First Data Corporation (NC)

I process credit cards through XXXX 's club merchant services. I notices that my deposits we not matching in my bank account. I called more than 9 times speaking with different people. Merchant services informed me that my tax information did not match. I disagreed with this information. The government does not require you to have a EIN number. You can use your social security number as your EIN number. This is what I did. My business entity is registered under my name and doing business as XXXX They sent me to business checks to verify this information. It was a match and had never change. For thee months they took regular credit card fees and an additional 32 % from my bank deposit with out any notice. No reflection was made on the end of the month statement. So the only way I knew was by calling merchant services. I was told that I would not get my funds back except by income tax. This caused a hardship on my business and I have a copy of the results from the IRSthat my information matched