davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX I received my EIDL funds after 8 months of waiting for sba approval and the day I get it capital one decides they want to hold my funds and investigate it for fraud so I play their game and give them the documents they asked for and they just continue to say its being looked at, wont give me a eta or when they will be done with their investigation even though I went through a rigorous 8 months just getting approved for it by the sba they dont think it was good enough and no one will give me any info about my money, and from what others have made complaints about is that you guys say, after months of holds on funds, that it will be sent back to sba but they dont get the funds and now people like me are left on the hook for the whole loan amount even though we didnt get the money and we are left out to dry, this EIDL loan was my saving grace..and to that you guys say no, had working Americans barely scraping by will have to suffer, this is not ok, Im just trying to get back on track and get back to normalcy,
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-24
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. (FL)

Its been over 30 days and still no response from Equifax, XXXX, or XXXX. 
I've seen the letters on the XX/XX/2023. for the following accounts : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (SC)

I tried getting my student loans removed from my account, student loans according to t

itle 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer??? 15usc1681b no permissible purpose I need the documents that were physically signed in wet ink. 
It holds no value if it wasn't signed. Technically I never signed with XXXX or know who they are. It is considered fraud unless they provide all original documents. 
After signing, 180 days following the loan is paid off which is a surety bond. 
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account should not be showing the current status of 30 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. The XXXX Credit Bureau is attempting to violate this clear understanding. Please Investigate and report the payment status positive and update the late from reporting on this account.
Consumer complaint received 2020-12-08
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: JPMORGAN CHASE & CO. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I took my court order to change my name from XXXX XXXX to XXXX XXXX to a Chase branch in XXXX, XXXX Everything was changed a new signature card was signed. I called the credit card branch where they said they would send me a new credit card. The card arrived with my old name. I called again today and now they are saying my name has not been changed and there is nothing they can do.
Consumer complaint received 2020-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ORG GC GP BUYER, LLC (NJ)

Just received this letter in the mail today and I do not like the " RISK OF ARREST '' part. This is the first contact in about 10 years. I have XXXX intentions of EVER getting or obtaining my Motor Vehicle License back nor any other license. I am permanently XXXX and collect XXXX and do not like being threatened. 

Thank You and Stay Safe
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018 JPMorgan Chase Bank closed my personal and business credit cards. The reasons of closing the accounts by the bank are the following : 1. Rapid increase in revolving balances 2. Too many requests for credit or/reviews of credit I called the bank and explained the reason No. 1 as My business is growing so my buying power is going up but at the same time I am paying my balance in full amount every time I buy and I auto full pay my credit cards from my business checking account. I am never being late from the day I got these credit cards from JPMorgan Chase bank.

For reason No. 2, the bank told me that I am requesting too many credit cards every month and I was shocked and told them that I did not do that. So, they told me to contact the credit bureaus. I called the XXXX Credit Bureau to send my credit report to me. After looking at the report, there were 21 inquiries for credit cards which I have disputed with them and they deleted those 21 inquiries from my credit report. 
After that, I called Chase bank to reinstate my cards. The supervisor asked me about what I am buying from XXXX wholesale and where I sell those merchandise. I provided them all the detail information about my buying and selling. They told me they going to review my application again and will get back to me in four to five hours. After thirty minutes, they called me and declined my application. The reasons they gave me now are the following : 1. This account and/ or related account was closed at the banks request.

2. Rapid increase in revolving balance. 
I explained them about the rapid increase too many times and they agreed but not opening my account. My business is affecting from XXXX XXXX till now. I do not want to go to another bank and start from zero.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I tried getting my student loans removed from my account, student loans according to title 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer??? 
15usc1681b no permissible purpose I need the documents that were physically signed in wet ink. 
It holds no value if it wasn't signed. Technically I never signed with XXXX  or know who they are. It is considered fraud unless they provide all original documents. 
After signing, 180 days following the loan is paid off which is a surety bond. 
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.
Consumer complaint received 2023-01-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Consumer complaint received 2020-07-15
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. (TX)

I made 2 disputes with Equifax about these inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. I need these removed immediately. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX
Consumer complaint received 2018-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

First of all I was told by the police I should go to the hospital which they suggested upon seeing my condition. I was badly beaten and robbed. I was treated at the hospital as a crime victim they took my police report incident no and everything. When discharged I was told to go to a different hospital within a week to have a check up for my ear and to come back to the hospital to do some paper work for crime victim. I went to the hospital and completed and provided all the paper work needed. 

When debt collection company kept calling me I kept telling them what happened and they never told me I could dispute it but asked me to send them my insurance which I wasnt liable for or asked me to call crime victim compensation, upon calling them they werent of any help whatsoever. 

Debt collection kept calling me but never mentioned I can dispute it every time I will explain them my situation. Once I knew I can file dispute I asked them to do a dispute representative told me okay and it will be resolved within 30 days. Months pass and today I get a call again regarding the same collection as if its their first time calling me. 

This is having a bad impact on my credit score and I am not being able to improve it due to this collection
Consumer complaint received 2020-09-10
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. (MO)

This item was deleted off my credit then it was put back on now they said I owe for late fees I dont know what they talking about it this is me I want my drivers license with my picture ID proving that this is meI have tried over and over to get this removed when it was deleted and then they issue it back on I dont know whats going on with the system but once its off its supposed South not put back on I had to delete it a XXXX to prove it Worth in XXXX Kentucky XXXX XXXX face when this occurs
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (RI)

The debt is owed to XXXX. XXXX did not give us enough time to resolve the debt with them before sending it to a law firm. I am attaching what the law firm sent us due to it not looking like it is filled out correctly. 

Since I have already filled out the form. I would like to ask about other debt and who I can speak with. I also owed a credit card company approximately XXXX dollars. They took me to court and did I had no idea what I should do. Of course I did nothing and now that XXXX debt is a XXXX lien against my house. How can unsecured credit card debt get a lien against your house.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

this is my second complaint about Rushmore Loan Management. I am in mediation to prevent forcluser, after the 1st mediation they offered a down payment of XXXX and the a MONTHLY PAYMENT OF XXXX what they didn't disclose on the phone was it was due in 15 days. 

I made the down payment on XX/XX/XXXX, XXXX. according to there terms I need to pay the other XXXX on XXXX XXXX that's 15 days
Consumer complaint received 2018-07-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (LA)

I HAVE APPLIED FOR FINANCIAL ASSISTANCE DUE TO BEING LAID OFF OF WORK. I COMPLIED WITH PLANET HOME LENDINGS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE ON XX/XX/18, I WAS ALSO INFORMED THAT THEY ARE NOT GOING TO POSTPONE MY SALE DATE BECAUSE THEY HAVE 30 DAYS TO RENDER A DECISION WHICH WILL BY NO LATER THAN XX/XX/18. HOWEVER, IF THEY DENY ME DUE TO AN ERROR ON THEIR BEHALF I WAS INFORMED THAT WORSE CASE SCENARIO THAT I WILL BE ABLE TO APPEAL THE DECISION WITHIN 30 DAYS OF DENIAL, I ASKED THE REPRESENTATIVE THAT I SPOKE TO IN LOSS MITIGATION HOW CAN I APPEAL IF THE SALE IS IMMEDIATELY AFTER THE DECISION AND HE SAID I CANT. THIS IS NOT FAIR, I HAVE READ THE CFPB GUIDELINES AND THE MODIFICATION GUIDELINES REGARDING SALE DATES AND THEY BY LAW HAVE TO POSTPONE THE SALE DATE AND IT APPEARS PLANET HOME LENDER DOESNT CARE ABOUT THE LAW AND DOING WHAT THEY WANT.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NJ)

I wanted to take advantage of the new lower mortgage rates. I contacted my existing mortgage company, Freedom Mortgage, thinking it would be a more straightforward process since they knew of my payment history, etc. This process started on or about XX/XX/2020. A Loan Advisor gave me a mutually agreed rate/term, and I moved forward with the new loan. 

Numerous calls, many representatives at all levels of ranking in the Freedom Mortgage Corp., 139 emails later, a prior complaint with the CFPB, and I am still fighting the same fight. Mortgage Freedom agreed on many occasions, verbally, in emails, and on legal documents that I signed that they were NOT going to escrow any flood insurance, homeowners insurance, and any other type of account. Plus, there must be many recorded conversations about this as well, since it is their protocol. 

Nevertheless, when I received my first mortgage statement on XX/XX/2020 ( due XX/XX/2020 ) with the new loan account, they included an escrow amount and required it as part of my monthly payment. I will NOT pay any escrow, no need, I DID NOT AGEED TO, and now Mortgage Freedom is holding me accountable for it? This is wrong, shameful, fraud, misinformation, deception, bait and switch, and a scam. I am determined to expose this bad practice to every authority that governs this process and this institution. 

Now, I have been an ideal customer. Never a late payment, never a missed payment. And at this point, it is beyond shameful the ordeal Freedom Mortgage has put me through. The hours I have spent, and my time is valuable is inexcusable. I urge you to stop this immediately. Freedom Mortgage must be held accountable for their malpractice and egregious customer service.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices Howard Lee Schiff, P.C. (RI)

The debt is owed to XXXX. XXXX did not give us enough time to resolve the debt with them before sending it to a law firm. I am attaching what the law firm sent us due to it not looking like it is filled out correctly. 

Since I have already filled out the form. I would like to ask about other debt and who I can speak with. I also owed a credit card company approximately XXXX dollars. They took me to court and did I had no idea what I should do. Of course I did nothing and now that XXXX debt is a XXXX lien against my house. How can unsecured credit card debt get a lien against your house.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

in accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 
15 U.S. C 1681 Section 602 A. States I have a right to privacy 15 U.S. C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and Equifax are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019