davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-04
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: Experian Information Solutions Inc. (NC)

I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through Experian, XXXX, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all XXXX credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all XXXX bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX XXXX. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting XXXX open charged-off accounts on my credit report, however, there is only XXXX account. This is in direct violation of the CFP Act and should be resolved immediately. I have attempted to resolve this issue via direct communication with the bank and, also, through XXXX credit reporting agencies. The accounts in question are BofA mortgage accounts : Account # XXXX # XXXX accounts have the same open date, same high balance, and same charged off amount.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One first contacted me in XXXX XXXX about an account I had opened in XXXX in my name. I later added my husband, and another name, to delegate expenses. Every thing smoothly paid bills on time, had built up over XXXX points. I got a letter in XXXX XXXX, saying my card had a co-applicant which they needed a social security number for as a business account. I called and explained to them that the second name was not a person or a business, but a way I had of delegating expenses on my account. I called again in XXXX XXXX, to verify things and told them again, the co-applicant was not a person or a business, so therefore it had no ss number, just to remove the name, and leave it in my name. They said fine and issued me XXXX new cards, XXXX in my name, the other in the non-oersons name, so I thought the problem was solved. I learned today when I tried to use both cards, XXXX XXXX XXXX, XXXX XXXX my account had been shut down. I called and they said I would have to open a new account, that they had sent me letters on XXXX XXXX, and XXXX XXXX ( which I never receiced either ) and they had taken my hard earned points away, and were giving me a cash credit I asked them to send me copies of the so called letters they had sent, and they were not sure they could locate them. They have my email, my phone number, my mailing address, they are linking this to the XXXX XXXX XXXX, which I understand completely has certain requirements for banks. However, the account has been opened since XXXX, and I have never had a late payment, and I suspect they are trying to close old accounts and talk the customer into opening new more expensive accounts. They say I have no recourse although I called in XXXX and XXXX and answered their questions. I mainly hate to lose my XXXX miles which go away when they arbitrarily close the account, and they say I have no recourse short of accepting a cash payment of XXXX after spending XXXX dollars with them over the years. I have never used my points, just letting them accumulate. Paid my account in full at the end of the month, and a small fee of XXXX yearly to Capital One.
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Activehours (TX)

I am an Earnin XXXX user. My paycheck goes through your third party bank to cover my paycheck advances, and you use your instant deposit feature to deposit the remaining balance into my XXXX XXXX  XXXX account. All of the sudden my instant deposit feature was revoked without any rhyme or reason. The app also shows I was paid today, my normal payday. ( which I shouldve have been ) but I have yet to receive funds in my personal checking account. Ive reached out multiple times as last as Monday the XXXX of XXXX and as recent as today, the XXXX of XXXX. And I get the same response that your engineering team is working on it. But youre holding up my paycheck because your system is broken and thats theft.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

please note that I received notice in my email that I will be getting free monitoring services of my credit bureau report with Equifax for 1 Year due to the data breach, thereafter I received a link to sign up, which stated to enter my last four numbers of my social security card, when I entered it stated that that a four digit code will be text to me, which never came in. I called the Equifax and was lead to different phone numbers and no one could help me. Why are they sending information to get free monitoring when in fact it does not work. I do n't understand that people from other countries are accessing our personal information that work for Equifax, which to me does not make any sense to have our personal information lead by an individual who lives in another country.
Consumer complaint received 2017-09-27
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: Experian Information Solutions Inc. (LA)

Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

in 2010 s omeone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FC RA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has to be  remove
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX multiple times and even contacted the creditor of the multiple inquiries showing on my credit file. I have not gotten a response from the creditors and it has been over 30 days. I contacted XXXX at the beginning of this month regarding the inquiries and the representative I spoke with told me they CAN NOT dispute inquiries which is untrue as I have disputed inquiries before. He stated I needed to contact the creditor and I let him know I did that and they have not responded back to me. He stated that inquiries are factual records & will remain and I explained to him they are not factual and how can you tell me that if you havent even started a Investigation to look into my situation. XXXX customer Service has went down hill and they DO NOT help their consumers in any way. They in no way have validated the inquiries as factual and I deman they be removed!
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a Bank of America Visa card. I had a balance of approximately {$18000.00} at 16 % interest I used the remaining available credit for a balance transfer offer ( 18 months zero interest 4 % transaction fee ) Now the bank is telling me that my minimum monthly payment goes first to pay down the principal of the lowest interest. In fact my payment does not even go first to pay the interest I 'm being charged on the high interest balance, that interest is being added to my principal each month. This is a deceptive practice. Please help. Payments should be applied first to interest being charged on an account, then to the balance subject to the highest interest rate.
Consumer complaint received 2017-09-27
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: Experian Information Solutions Inc. (TX)

I have not made Inquiries at all, i have a list of them showing on my credit report. I called Experian to remove them and they said they could not do it, i told them they were done without my permission, they did not have any authorization to do so, i was not even notified when they were done, i have also called the inquiry accounts asking them for information on what signature was this Authorized and they ca n't even provide me will information, i ask that you please look into it and get them removed. Thank you here are is the list ... 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

Banks, Such As Chase And   XXXX   XXXX   Charge Fees For Using A CheckCard, Commonly Known Today As The Debit Card, When A Consumer Pays Their Mortgage, And Charged Me For 2 Decades, Until I Paid My Mortgage Off. The Fees Were From About  XXXX - XXXX - Through To About  XXXX .
The Federal Banking Institution Does Not Charge For Checks, And The CheckCard Was Guaranteed And Introduced As An Automated Check, With Promise Of No Fee, And Benefitted The Payer Who Received Immediate Funds, No Differently Then The Process That Introduced Handwritten Check, As Fee Free.
Having My Original Checkcard, In A Significant Place Of Upper Right Corner It Says Check Card And In Smaller Words, Lower Left, It States Debit Card ... .For Accounting Purposes, It Debits Your Checking Account
Consumer complaint received 2017-07-04
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. (TX)

It has been 6 months and XXXX Credit Bureau is still reporting XXXX unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than 30 minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved. <P/>XXXX Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

My problem is with XXXX. I have had a credit card with them for over 20 years. Last year they closed the store in XXXX XXXX where I live. Now there is no location convenient for my use. I therefore have not used the credit card. I did get an estimate for carpeting from XXXX about 3 months ago but the cost was too high and I purchased from someone else. 

There are very few times that I can now shop at XXXX and their on-line prices I have found to be too high. That is not the problem however. The problem is that I received a letter telling me that I either had to make a purchase by XX/XX/XXXX, or my credit limit would be lowered. 

The letter is dated XX/XX/XXXX, and states ; " Thank you for being a valued XXXX cardmember! After a recent review of your account, we noticed that your XXXX card ( for the account number referenced above ) has been inactive for over 16 months. 

In order to prevent the credit limit on your account from being lowered to $ x, xxx due to inactivity, you must use your XXXX card to make a purchase or other transaction by XX/XX/XXXX. '' I find this to be " XXXX XXXX ''. They are basically telling me that if I do not use my card, that they will take action that will result in a negative impact on my credit rating. I have always had excellent credit with XXXX. I would have used my card had they not decided to close that only store near me. 

I should not be " threatened '' with negative credit history due to their actions resulting in the store closure.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I would like you to look into how Citigroup determines how much the mininum payment should be. I have had credit since XX/XX/XXXX. I expect the minimum to go up if I have defer the interest and did not get payoff on time or if I have miss payment or had late payments or if I had use the credit card. But my account with Citigroup is closed. I closed my account in XX/XX/XXXX. These are the minimums that they have charge me on my account. The minimum goes down and then jumps back up. The minimum should be staying the same or go down. Here is the listed. month year minimum XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$96.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$95.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$91.00} As I stated early I have had credit since XX/XX/XXXX, my minimum on my statement either stay the same, goes down if I do n't use the card, or goes up if I had use the card or had defer interest that I did not get payoff on time. But on a closed account the minimum should stay the same or go down only. I hope you will look into to this. Thank you XXXX XXXX
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P. (MO)

Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX keeps reporting as collection of {$150.00} to XXXX XXXX XXXX I paid this bill I have cancelled check showing it was paid. 

I disputed it with both credit agencys XXXX XXXX and XXXX 
gave them 30 days to remove it. 

30 days later its back on my credit reports as unpaid. 

I am XXXX.. I call them via relay for XXXX, they tell me stuff like they ca n't accept relay calls, or they transfer me to another dept / colltion person.. and then the phone hangs up. 

Southwest credit Systems, now XXXX XXXX should be forced out of business these guys are dishonest! this one negative iten is preventing me from getting a loan, even though I show lender copy of check that it has been in fact PAID in full. they say sorry not until its removed from your credit report. but you ca n't get it reomed if the XXXX XXXX XXXX keep reporting it to credit agencys as unpaid.. 

the XXXX BBB has suspend Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX due t extermly high level of complaints about them.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

In accordance with the FCRA, acct. # XXXX XXXXXXXX XXXX and ACCT. XXXXXXXX XXXX has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate. I have circle all the inaccurates on my credit report. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 U.S.C 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.