davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (GA)

On XX/XX/XXXX I had a flood loss on my mobile home in which several things were damaged or broken. My insurance company was called and they sent me a check to repair and replace all that myself and son lost. The check ( {$22000.00} ) was made out to myself and 21st Mortgage my mortgage company. I called them and they told me to sign the check and send it to them to sign and they would give me the money to fix everything. When I called a couple of weeks later they told me because I was a month behind on my mortgage they would not send me the money. They then told me that If I got my mortgage straight that they would send me the money. I told them that I dont have the money to fix all of these things like my A/C and they told me to get a quote, their contractors license, their tax information, and their insurance number, to get a check issued to them. All information was sent to them on XX/XX/XXXX directly from the A/C company. I called every other day until I finally received a check over a month later. I had to beg, and cry to get it and remind them that I have a XXXX son in this Georgia heat. I have since then sent in all the papers for the duct work and insulation to be replaced first attempt XX/XX/XXXX and never received a check. I called to check on what was the hold up and they agreed that they had the papers, however now they want photos of the A/C. That was done and two weeks later they call me and say that all the paperwork is now out of date! Well ya thats because it took them 10 months to even look at the papers. So now Ive got to do it all over. I also got money for steps and I am to get them from a mobile home supplier, however, the supplier does not have a contractors license, and ask them for their insurance info. The mortgage company told me to pay for them myself and they would reinemburse me? I dont have the money to start with much less trust them to even give me the money back. 

Please help me, my steps are so unsafe for my XXXX son and now my floor is rotting because of the condensation from the duct lines with no insulation for two years. Im sure that my insurance will not cover it being that they gave me the money to fix what is causing the damage two years ago, I just want my things the way they were, nothing more, and if there is anything left over the mortgage company can have it. They have already had {$15000.00} for over two years now and they keep the interest. Ive been in this house for over 19 years, my mortgage is up to date. Help me to get the money they have wrongly taken.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have tried to increase the line of credit on my Capital One cards and I have been rejected several times. I do not want to comprise my debt to credit ratio. If I use a large amount of credit on a low line of credit, then my credit score decreases. Capital One should do a better job in providing a reasonable line of credit increase, especially since we are in the holiday season. I have a XXXX FICO credit score. I get direct mailers from Capital One to open money market and checking accounts, but with this level of treatment that I am experiencing, it will be far fetched.
Consumer complaint received 2021-12-02
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. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 ; my bank ( bank of America ) allowed a legal order levy to take place. The bank took {$41.00} for the levy but also charged me {$120.00} for processing the levy. I have called the bank several times but the legal department will not speak to me. I just want to be reimbursed by the bank for the levy amount plus processing fees because I was under the impression that at that time that this money was taken I was still protected by the Covid -19 protections that were passed regarding collection of dedt during this pandemic? SB XXXX and HR XXXX and or Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et. seq. ) ( FDCPA ) and I should have been protected also because that money in my account was just deposited a day before and was a medi-cal ihss check from the state of California and should have been protected ... the money deposited was under {$1800.00}. For my son with an XXXX XXXX.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX. Recently my husband passed away. Our account at the XXXX XXXX  XXXX XXXX XXXX XXXX was a joint account under my husband 's name. I was trying to open a new checking account under just my name and was told I could not because Experian stated I was a minor. I am XXXX years old, not a minor. I tried multiple times to get a live person from Experian on the phone because none of their automated choices were correct. I finally got to a live person. They told me I had to go to the website and upload documents proving my age and address, including a birth certificate or drivers license, and bills with my address. 

I have tried multiple times. First I was told that for no reason they couldn't process the request and I had to mail in my request. I tried again, next I was told they couldn't accept my documents because they only take PNG or TIFF documents. So my son converted my documents to a TIFF file and we uploaded them again. ( My son  informs me that these are less common file types, there is no reason why a gigantic organization like Experian shouldn't be able to upload a JPEG file like every other website can. ) When we tried to upload the documents again, now it says it can't upload color documents and we must convert the document to black and white. They asked for a picture of my drivers license, which is in color and now are saying they can not upload an accurate photo of a license. At every step Experian has gone out of their way to avoid contact. They make it nearly impossible to get a live person, then they make it impossible to resolve the dispute over the internet. For some reason they seem to only want to do business by mail. This is their mistake, I have had credit since the 1950s, and yet they are claiming I am a minor, yet I am the one being forced to jump through hoops when they should be the ones trying to fix their error. Please advise me on how to fix this.
Consumer complaint received 2021-03-29
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. (AR)

XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from XXXX  Experian and XXXX indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (TX)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-13
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: TD BANK US HOLDING COMPANY (NY)

TD BANK N.A has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d ( 1 )
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

I have items showing on consumer report claiming to be mine. I do not have a contract with these corporations to collect anything from me. Ive written multiple dispute letters to XXXX and equifax about the issue and they have yet to resolve the issue.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

We were approached by Chase Bank to refinance our existing mortgage to a lower-rate 15 year mortgage. We filled out the application and were sent a Loan Estimate. 
The process was fine until we received the appraisal - Our house ( 25 years old, 3150 sqft ) was appraised at $ 105/sqft.  The three " comps '' ( 2 in our own neighborhood ) that they used appraised at {$160.00}, {$110.00}, & $ 112/sqft. 
We notified Chase that this appraisal was inaccurate, and that we wanted a new appraisal done because of the large discrepancy. Chase refused. They then tacked on a new {$1000.00} " origination fee '' because of the low appraisal in a Revised Loan Estimate. 
They stated that if I wanted the appraisal reviewed, I had to provide them three " comps '' different from the ones they used. My subdivision only has 15 houses, and the 2 most recent sales were the $ 160/sqft & $ 113/sqft. I had no other " comps '' to show, nor should I - the best and most recent comps are already there. 
Because of this, we asked them to cancel our application, and return our {$500.00} submission fee, which they have refused to do. 
These are the people we dealt with at Chase : XXXX XXXX XXXX | Sr. Home Lending Advisor XXXX XXXX XXXX ID XXXX | XXXX XXXX XXXX Lending Manager | NMLS ID XXXX XXXX Thank you.
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( CREDIT LINE ) is a result of identity theft. I recently discovered along with other accounts through my new monitoring service this account being reported that does not belong to me. I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-08-16
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. (MD)

experian has reported for 6 years that XXXX XXXX XXXX and XXXX XXXX XXXX has an account in charge off status - NOTHING has changed for years and years. however on XX/XX/2019 experian dropped my credit score by 41 points and stated that because of a NEW late payment on these accounts my credit score was dropped - but NOTHING has changed as both accounts have been in the same status for over 6 years - why has experian 's credit scoring model been changed to indicate and act on a change to my credit file that is did not occur? i disputed both of these items but no change to my credit score was made. this non existing event has impacted my credit with experian - neither XXXX nor XXXX has reported any change in score because both have not changed in over 6 years - i thought credit scores are impacted by NEW activity??????????? 

experian closed my disputes but took no action on my score N O R provided an explanation as to why my credit score decreased by 41 points when nothing changed on my file? i dont believer experian took my dispute seriously
Consumer complaint received 2021-12-02
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: Bread Financial Holdings, Inc. (GA)

i never apllied for credit with these people comenitybank/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they keep running my credit and it shows hard inquirys they are running this without my permission i have contacted and got a remark ohh well live with it
Consumer complaint received 2021-07-13
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: WELLS FARGO & COMPANY (NY)

Wells Fargo card service furnished bad debt on my consumer report which is ruining my reputation and is a violation of 15 usc 1692d ( 1 )
Consumer complaint received 2020-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Kansas, Inc. (NE)

I received a parking ticket in XXXX, XXXX in XXXX XXXX KS. I contested the ticket and went to court in XXXX, XXXX. I lost the case and paid the fee the same day ( {$180.00} ). In XXXX, XXXX ( nearly 9 years later ) I received a collections notice from " Collection Bureau of Kansas '' asking for {$450.00} for this decade-old debt. I contacted the XXXX XXXX XXXX XXXX, KS who admitted that my cashed checked wasn't properly accounted for. However, since they sold the debt they couldn't fix it. 
I have provided evidence of paying the debt to the collection agency multiple times but they are still hassling me through multiple letters and calls since XXXX. I provided evidence of payment in XXXX, XXXX, and XXXX. 

Debt Agency : XXXX XXXX XXXX, DBA Collection Bureau of Kansas, XXXX, KS XXXX
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX/XXXX/XXXX, I called Bank of America to report unknown charges. My debit card number had been stolen and used it 25 times at gas stations within a 9 day period for a total of {$700.00}. 

While I was on the phone with them, more charges were coming in. There were charges in XXXX which were legit and showed that I was in XXXX at the time of all of these charges. They gave me a temporary credit in the amount of {$680.00}. 

On XXXX/XXXX/XXXX, without any explanation, they denied my claim and reversed all of the temporary credits. The letter they sent simply stated that they had reviewed my case and found that these were not fraudulent charges. That was it. 

I have called almost daily since XXXX/XXXX/XXXX ( the date I received the letter ), trying to get an explaination and documentation as to their findings. I have repeatidly asked for my money back. I have spoken with a manager in their Delaware location named XXXX. While on the phone with XXXX, she makes you feel as if she is on your side and understands and agrees with you. She states that she will contact the claims adjuster (? ) and that she will call me back with information. She has NEVER called me back even once. 

Here we are a month later and I have no further information from them and I 'm still out {$700.00}. And at this present moment, I 'm waiting for XXXX to call, which I already know will never happen.
Consumer complaint received 2020-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AZ)

I obtained a auto loan through Santander Consumer USA, and made my first payment on or about XX/XX/XXXX. No principle dollar amount of the loan wasnt deducted until XXXX of XXXX. They still continue to mis apply payments to my loan. They are currently being sued in a multi state lawsuit for unfair practices, and at this point I am not part of the lawsuit. My interest rate is 24 % and the loan is just in my name. With my current loan payments, mis application of payment distribution, my interest rate and other miscellaneous factors Ive been harmed. I still owe about XXXX for a vehicle that is worth XXXX. I can not sell or trade the car in.
Consumer complaint received 2019-08-16
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. (NC)

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX/XXXX   XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX ', XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

It's impossible to get a live person with Experian. They have multiple phone numbers and they all shut you down. I tried about 5 different numbers including XXXX XXXX XXXX on XX/XX/19. 
I'm trying to lift a security freeze. At the other two companies I had no problem. 
I also tried Experian 's online format. In both phone and online I provided the pin number to unlock. 
They indicate they want me to send by mail various proofs I don't have available -- such as a utility statement. All my mail goes to my employment. I'm a XXXX XXXX. 
Please help me get a live person and remove the freeze. 
Thank you.
Consumer complaint received 2019-08-16
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. (FL)

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages..If you do not remove it from my record, please provide me with written proof of every detail shown in your entry.. Remove unauthorized inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX
Consumer complaint received 2019-08-16
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. (FL)

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages..If you do not remove it from my record, please provide me with written proof of every detail shown in your entry.. Remove unauthorized inquiries done by XXXX XXXX  - XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX