davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
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: Santander Consumer USA Holdings Inc. (NJ)

On XX/XX/2019, I mailed a certified letter to XXXX XXXX for validation of the auto account stating I owe {$21000.00} they placed on my credit report, which does not belong to me, I never open this account with them, its been over 120 days and no response back from XXXX  XXXX.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CO)

Received a communication from Chase stating as a new benefit they will reimburse cost of XXXX precheck registration. 
I live 170 miles from nearest registration site. Happened to be in XXXX XX/XX/XXXX. Which saved me a 340 mile round trip. When I received my statement with no credit was toldI should have read the fine print benefit doesn't start until XX/XX/XXXX!! 
Very misleading practice.
Consumer complaint received 2018-06-12
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I wrote the credit bureaus regarding an account that was reporting on my credit report that I settled some time ago, however they wrote to tell me that this account was verified as not been closed, yet on the credit report the status on all three ( 3 ) bureaus said " Closed ''. I voluntarily returned my motor vehicle back to Toyota Motor Company and we settled this account from XX/XX/2012 but this has still been affecting my credit report and I do not know what to do. I wrote Toyota financial about this issue and still waiting for a response. I would really like to settle this issue and have this account removed from my credit report.
Consumer complaint received 2018-06-12
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: BB&T CORPORATION (NY)

I do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I tried to temporarily lift a credit freeze of my account with the Equifax by calling on the phone, which resulted in nothing but telling me that the system was unavailable, I couldn't get to any live person to talk to, only automated responses. I tried to set up an account on Equifax website, that attempt ended in the same way telling me that the system was not available. I tried to communicate through an instant messenger on their website, i talked to three persons, who steered me to call on the phone, and expressed their apologies for the inconvenience, but to no result whatsoever. Finally, a banker at XXXX XXXX   tried to help me through their computers and again it failed, come to the same answer. Next day, i called the XXXX  and I was able to lift the credit freeze within 10 minutes talking to live person on telephone. 
Unfortunately, the XXXX XXXX only deals only with Equifax. 
After this I went to the XXXX XXXX and I found multiple complaints about Equifax for similar reasons.
Consumer complaint received 2018-06-12
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: Sierra Holdings LLC (NY)

XXXX is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the inquiries.
Consumer complaint received 2018-06-07
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 (CA)

It has come to my attention that Capital One Bank, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : Capital One Bank Account # XXXX has one 30 days past due as of XX/XX/2016 The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and Capital One keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

Capital One The 30 day late reporting made by Capital One Bank is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. Capital One Bank has received payment in the month it reported me late.

What the attached proof of payment shows is that Capital One Bank account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting Capital One Bank directly but Capital One keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding XXXX and XXXX responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.
Consumer complaint received 2022-08-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Last year I was offered a job on XXXX XXXX I did my research and found the company to be legit. I also had paperwork correspondance as to what my job would be. I was to recieve a check and send the money I questioned it and was give a reason that was online with truth about delays, however I was still concerned. I deposited the check but did not withdraw any funds as I was still unsure. When the check came back it was fraudlent. after being a long time customer my account was closed with no regards to me relationship.
Consumer complaint received 2019-05-08
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. (GA)

There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in XX/XX/2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and Equifax, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is reporting two credit accounts on my credit file that are included in bankruptcy. They are reporting a balance history that is inaccurate, a payment record that is inaccurate and as I am not legally liable for these accounts, i respectfully request that Bank of America REMOVE the two credit accounts that are reporting on my credit file. 

The following is an excerpt from an FTC notice regarding the reporting of these types of accounts. Bank of America subsequently removed all reporting for included in bankruptcy accounts and was sued in a class action lawsuit for this exact purpose. 

" Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In our view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. '' Because Bank of America had not actually written off the account ( I had not been sent a XXXX and they were still actively pursuing the recovery ), i request the removal of these tradelines.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NE)

ChexSystems report shows Certegy reporting a returned check, payee XXXX XXXX XXXX  written XX/XX/XXXX.  Check has been PAID IN FULL and should be removed from reporting.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

In previous disputes the credit reporting agency just investigated what was in their best interest, instead of what the consumer could prove, and they couldn't. On 15 separate occasions I have requested the name and address of the third party entity who provided the information to verify the listing of public record bankruptcies listed on my credit report, case no. XXXX, and XXXX, but in return never answered, instead just respond they investigated it and verified it, without answering the direct questions. In response to this scheme of the credit reporting agencies they added names that weren't mine, in order to support their reporting, while still not answering the questions asked. In furtherance of verifying that the items weren't mine, I contacted XXXX XXXX public records reporting agency, and they provided a letter verifying that the listed items weren't mine, but still ignored by Experian, just the typical response refusal of investigation based upon previous investigations, while still not willing to provide the name and address of the verifying agency, which they still refuse to provide whats authorized by law, the name and address of whom they said verified the existence of public records, but still refused or not provided. 

On XX/XX/18, in report no XXXX, the credit reporting agency, Experian finally did the lawful thing and removed all names that weren't mine, and in that performance, should have been obligated to remove all accounts associated with the names that weren't mine, but they didn't. In an explanation from XXXX XXXX, the name, and last four of the subjects social security number is placed within a computerized program for verification, and since all names that weren't mine, were removed, the accounts that associate with those inaccurate names should be removed as well. In complaint the credit reporting agency is violating the law by not providing the third party entity, the process of verification of such reporting doesn't adhere to the standards of the accurate credit reporting standards, in that last four, and last name isn't a true reflection of verification, and that in response to an inquiry with the us bankruptcy court, no record exist when considering the full social security number and my verified name.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: LendUp Loans LLC (FL)

On XX/XX/2018 I was directed to a XXXX XXXX XXXX Application from XXXX XXXX. It sent me to the application page and as i started filling out the information it asked me to verify my email. When i received the verification email i discovered that there was a technical issue in their system because it was recognizing me from when i applied several years ago. I immediately called their customer support line which is really only an application support line and notified them about the problem. The girl kept telling me that i was denied and that nothing has changed in their decision. I kept trying to explain that i had NOT even completed the application and could not understand their logic. She just kept repeating herself that everything on their end is fine and that they can't extend me credit. I kept asking for someone else or a supervisor because i could not understand how i could be denied for something i haven't even applied for yet. I considered this to be discriminatory and nature and just ridiculous. I decided to try to continue the application on my own but because of my old account i had to put a different phone number. So i put my secondary phone number and completed the application. I was told that it was denied because they were unable to verify my information. I sent in copies of my social security card and driver 's license and now i come to find out that i have been " permanently restricted '' because i made a typo on my social security by 1 digit. I stated that they have proof of what my social security is and that they should just be able to merge the profiles, delete one of them or just fix the issue. They stated that they won't do anything about it and that i can never get a card with them. Honestly i just feel like they were discriminatory from the beginning and their objective was to deny me for the card before i even applied.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is a credit card that is with XXXX XXXX. The only credit reporting agency reflecting this account is Experian. The other two agencies show that the account is closed and no longer should be affecting my credit score. I've reached out the XXXX XXXX and the account is so old that they no longer have any record in their computer systems. There are a number of debt collection agencies that continue to purchase the information which is annoying to say the least. This account should no longer be in my report because it's hurting my Experian Credit score. My XXXX score is XXXX and my XXXX score is XXXX. My Experian Score is XXXX. This should not be in my report any longer.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I have called them for the past 3 months due to them misapplying my payments and come the due date, it shows Im past due. I have over paid by what is due each month and have called in but i have to do this each month even though I have been told this would be corrected. It still has not been corrected and I still have to call in to avoid late charges. I already told them last time I dont want to call in each month, this has already been escalated to their emr department. Their emr department was to call me by Friday. A phone number was provided but apparently they didnt use phone number provided and used home phone number and they mentioned someone picked up amd hung up on them. Really? I attempted today to call XXXX who was to be the emr rep assigned. He wasnt available so i chose to leave a message however after the automated system transferred me to his mailbox, his mailbox is full and cant accept new messages so it then disconnected me. This whole thing is beyond frustrating. I called into customer service and they said they need to transfer me to an emr rep. I spoke with a XXXX. He claims that he will address this and have taken care of once and for all, however being as what i have went through thus far you can see my frustration and lack of confidence that this will be rectified. This is now my 3rd complaint about them.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a merchant account with Bank of America that is tied to my Business Checking Account with them. I just started a new business, a XXXX XXXX, and regularly take payments from customers through a credit card terminal. Bank of America 's Merchant Services keeps putting my transactions on hold for weeks at a time. When I talk to  customer service representatives, they say that the risk management team is reviewing the transactions and they can't do anything about it. I try to contact the risk management team but the XXXX line for them goes to voicemail every time and noone from that department has responded to the messages I sent. Last month, they hed funds from XX/XX/XXXX to XX/XX/XXXX before releasing them. They starting holding funds again since XX/XX/XXXX and, again, customer service claims they are unable to help and the risk management department is not answering or returning any phone calls. As a result of them holding my money for weeks on end without any reason or remedy, I am falling behind on bills for the business ( rent, car payments, employee payroll ) and personal bills as well.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I have a collection on my credit report that is a result of fraudulent charges. I was not aware of my card being used until after the collection because I never used the card. In addition I have placed credit freezes on all three bureaus for extra protection while I get everything sorted out.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Northstar Location Services, LLC (CA)

I sought the help of XXXX XXXX XXXX to help pay off my debt rather than file for bankruptcy. XXXX XXXX XXXX was one of the creditors I enrolled in the program. XXXX XXXX XXXX turned the account over to Northstar Location Services LLC. On XX/XX/XXXX, they accepted a settlement with XXXX in the amount of {$1500.00} to be paid in 11 monthly payments with the last payment made on XX/XX/XXXX. The account is PAID in accordance with our settlement agreement. In spite of the fact that regular monthly payments were made to the account for the past 11 months, XXXX XXXX continue to inaccurately report the status of my account to all three credit reporting agencies ( XXXX, XXXX & XXXX ) as follows : ( 1 ) Balance - {$4100.00} and Past Due Balance as {$4100.00}, ( 2 ) Payment history shows " CO '' Collection from XX/XX/XXXX to present. ( 3 ) Payment Status shows charge-off instead of " Paying ''. As you know, even if an account had gone into collections, a continuous payment history over time and lowering the balance helps to improve one 's credit score. Since XXXX XXXX XXXX refuse to report the details of my account accurately, they are deliberately trying to hurt my reputation and defaming my character, and preventing my credit score from improving over the past 11 months.