davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NY)

- Someone appears to have fraudulently applied for and received a Visa credit card in connection with my Fidelity investment account - I discovered this today when I received an account statement in the mail ( physical mail ) addressed to : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX - Note that this is very similar to my address, which is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX- The account number on the fraudulent card is XXXX XXXX XXXX XXXX - I wasn't able to determine exactly when the account was opened, but it was likely in XXXX of XXXX of 2021 - This person appears to have made purchases totaling {$270.00} from XX/XX/2021 and XX/XX/2021 - I have reported this to Fidelity and they are investigating - Fidelity also told me that the email address associated with the fraudulent application is XXXX XXXX
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (MI)

In XX/XX/2015, Tide Water Finance are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EOS Holdings, Inc. (NY)

I checked my credit and I discovered false information on my credit report. They have the wring birthdate and I never used XXXX XXXX, XXXX, eos cca, eos caa. I dont use my credit. I requested this information be removed and I heard nothing.
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX I returned the leased car to the dealer. I was contacted by Toyota financial services to pay the lease termination fee of {$370.00} On XX/XX/XXXX I did submit the full payment and I have a letter from XXXX XXXX XXXX XXXX plus my bank statement that shows the exact amount paid to Toyota financial services. 
I havent received a letter to show that my account was closed and has XXXX balance, so Ive contacted Toyota financial services several times between XX/XX/XXXX and XX/XX/XXXX and they keep telling me the same thing I still owe them the money and its soon to go to a collection agency. When I tell them that Ive already submitted my full payment on XX/XX/XXXX, they find it hidden somewhere in their system and they promise to settle the account and send me a letter but they never do. Today ( XX/XX/XXXX ) I called them one more time and heard the same thing. I still owe them the money and when they look deeper they find my payment and promise to settle the account. I told them Ive heard this too many times and Im going to complain about it. They said : go ahead and do it.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX I Account # XXXXXXXX XXXX XXXX XXXX I Account # XXXX, and XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-12
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. (NY)

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I asked Equifax to explain why my account comes up as a fraud alert to car dealer. My credit file is not reporting accurately. I was told to provide proof of Identity. I have given them my information and it has not update or change the status of my credit reporting.
Consumer complaint received 2021-06-08
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: BMW Financial Services NA, LLC (FL)

This is existing complaint that was closed and I was locked out could not respond. 
XXXX I attempted to pay the payment before 30 days. You show on your system PROOF that I tried 6 times! How dare you not change my credit. I have paid over the phone for almost 2 years nothing was wrong with my account. It was your system. I tried to pay with a rep due to the automated problems but you were closed and you know that I attempted to pay before the 30 days you say It in your response. Number 2. The reason I did NOT pay sooner. I did call Bmw financial services and a rep told me to wait to pay my payment after my car accident/flood Incase the car was a total loss, conversation was in XX/XX/XXXX or XXXX. Your calls are recorded listen!. Your response is incorrect I did not end up having a total loss and its out right disrespectful telling me I should try sooner to pay my bills. But your Road side assistance took 2 months to refund me towing expenses that are supposed to be included in my lease agreement. This was twice the amount of my car payment. You owed me money!! This is the XX/XX/XXXX late. I will never ever buy a bmw! Im buying a home and you ruined my credit! This company is discriminating who they want to help. I have spoken to the Cfpb and they have provided me with legal resources which is going to be the next step if this is not taken off. This is the last time Im speaking to Bmw Financial to change all lates on my credit. I have sued a company in the past and won XXXX for discrimination. Im not playing with Bmw. You think you can mistreat people and get away with it. Your reps call back recently and sound like robots! Always making excuses saying road side assistance has nothing to do with your company when its BMW! You keep ignoring this fact when one effected the other. Someone was supposed to call me from road side assistance they didnt!

My other issue later in the year the pandemic My mother caught XXXX  I could not make the payment being in XXXX the phone dials out in XXXX but it does work in XXXX but you probably cant see the issue. I DID call. Knowing Im in XXXX due to my mother catching covid your company is heart less and choose who you want to help during a pandemic. I know some one who has received help from Bmw that is why Im saying this! Stop fighting your customers and help them. I will not stop until this is off. Im very upset now reading the lies in your first response by XXXX XXXX have someone else review it.
Consumer complaint received 2020-01-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Illinois Collection Service, Inc. (IL)

For years, I have been receiving calls, from a debt collection company, well and far past, the statute of limitations, for a $ XXXX debt, from a medical imaging service, So, many, years, have gone by, I am not sure, that, there, was an original debt. There is no harassment, because, the continuous, calling, is a recorded, loop call, similar, to a robotic message, that tells, us to call XXXX ( from which, the calls originate ), or XXXX, which may or not, be an office. The name of the company is ICS debt collections.

I tried to speak, to someone, many years ago, and tried, to explain, that, I could, find nothing, of the alleged, XXXX debt. I also, tried to explain, to them, that in, calling, me over, and over, again, within, the past 5 year, has turned, into some form of harassment. 
The man, at ICS, I did no retain, his name, responded, by saying " JUST PAY THE DEBT ''. Now, in 2020/XXXX  XXXX, at XXXX, the cycle starts, again. All I can say is " HELP '', this company has joined themselves to me like a marriage, and I want a divorce, from XXXX, I hope, that you can, stop, these, unwanted calls Thank you in Advance. 
XXXX XXXX Footnote : Seniors like us, who keep our landline phones, are grossly, called by, potential scammer, daily, with robocalls, it is a real and serious issue.
Consumer complaint received 2022-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I closed on property XX/XX/XXXX, taxes increased in XXXX after my purchase. Servicer was given new property tax information but didn't start escrowing the correct amount of taxes until XX/XX/XXXX when I asked for a partial claim and numbers were redone. I requested an extension on the escrow shortage to 36 months but was denied. Servicer states I can not speak to the tax dept or senior management about my request. Due to the carelessness servicing of my loan, my payment has increased by {$300.00}. 
My net income is {$4500.00}, new payment {$3000.00}.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint not only for the third ( 3rd ) time against XXXX XXXX XXXX, but also against ALL THREE ( 3 ) major Credit Reporting Agencies TransUnion XXXX XXXX, and XXXX for not only violating my rights as a consumer, and for also reporting false and inaccurate information on my consumer report. In accordance with the Fair Credit Reporting Act, EVERYTHING has to be 100 % accurate. After carefully reviewing my latest consumer report, I not only found several violations, but I also see that XXXX is continuing to report inaccurate information as well ALL 3 major CRA 'S. This fraudulent activity is still in progress even after me sending XXXX a certified letter on XX/XX/2022 ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a complaint with the cfpb on XX/XX/2022 ( still no response ), another certified letter on XX/XX/2022 ( tracking # XXXX XXXX XXXX XXXX XXXX ). Attached labeled as Exhibit A, is a screenshot of this fraudulent reported account, reported closed on XX/XX/2022 on TransUnion. Also attached labeled as Exhibit B is the final letter sent to XXXX on XX/XX/2022, informing them of how their company has violated my rights as a consumer deliberately, intentionally, and purposely and is willfully violating my rights as a consumer. Lastly, attached and labeled as Exhibit C, is a copy of this company and ALL three ( 3 ) Credit Reporting Agencies reporting inaccurate information ( ALL HIGHLIGHTED ). How can any of this information be accurate with so many inconsistencies? The account type is inaccurate, The account detail is inaccurate, Date opened is inaccurate, Balance is inaccurate, No. of months is inaccurate, Past due is inaccurate, payment status is inaccurate, Last reporting date is inaccurate, comments are inaccurate, date last active is inaccurate, date of last payment is inaccurate, along with the entire two ( 2 ) year payment history also reporting inaccurate. Not only has my rights to privacy been violated, ( according to 15 usc 1681 section 602 A ), but also 15 usc 1681 section 604 A section 2, which states that a consumer reporting agency CAN NOT furnish a account without my written instructions.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (PA)

In 2020 someone stole my identity and opened an account with XXXX XXXX and ran up a {$960.00} bill, which they didn't pay so XXXX turned it over to a collection agency. When I found out about the identity theft I reported the matter to the XXXX XXXX, XXXX XXXX, PA Police Dept. A copy of the XX/XX/2020 XXXX XXXX police report is attached. 

I gave the police report to XXXX XXXX and they told me the account was closed, but it appears they have given it to another collection agency because the {$960.00} bill has reappeared on my credit report at the request of Franklin Collections.
Consumer complaint received 2020-07-24
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MO)

I received a letter from Online Info Services stating I owe an alleged debt via XXXX. I sent OIS a letter asking for validation of debt. I have not received any validation of debt from OIS and they proceeded to place the debt to my XXXX  credit report.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I used to hold a BankAmericard credit card from Bank of America. In mid-XX/XX/XXXX while living in working in XXXX XXXX, I had an unexpected work-related accident which caused me to be hospitalized. Ultimately, I had to leave work on FMLA and return home to XXXX XXXX I was struggling to make payments with many lenders, especially due to the very high cost of COBRA and due to ongoing procedures needed from the accident. My other creditors agreed to either defer, lower or else alter the terms of repayment ; but, Bank of America refused and didnt care. I continued paying until I no longer could. In mid-fall XX/XX/XXXX, I called and spoke with a female representative, explaining my situation. Her direct order to me was to stop paying [ my bill ]. I questioned whether this would become charged-off, why she would advocate for that, and if she would kindly escalate the call. She simply repeated herself to not pay it, and she continued refusing any escalation, despite my ongoing requests. I finally advised her that I would likely not pay, per her instructions ; and she advised that I would be okay and that the bureau reporting would be OK. However, they did report it as late/delinquent, and it was indeed charged off. I am now unable to obtain credit, such as to support myself in XXXX school, because of this and similar situations. Bank of America was hostile, vindictive, manipulative, unfaithful and simply didnt provide customer service ( would NOT escalate the call ). This charge off is unfair. They have repeatedly refused to amend my various credit reports despite repeated attempts.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CA)

I opened a credit card on XX/XX/XXXX and am going to be charged XXXX dollars for a yearly fee. My question is why are they charging me up front and I will be charged again next XXXX. It's as if I'm getting charged twice for the first year. I didn't create an account or get my card until XX/XX/XXXX. I think they are doubling charging the fees for new customers and I'm probably not the first. Am I correct or wrong I'm just wondering. Thank you
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

I have received six phone calls in a couple of hours from five different numbers all claiming to be XXXX in regards to a {$720.00} dollar purchase in XXXX, Ohio that I have NOT made. I called the XXXX store and they claim NO calls have been made by them and they do NOT call. I never answered the calls for I figured they were fraud. 
The numbers are as follows : XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX And XXXX at XXXX XXXX
Consumer complaint received 2018-02-12
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: JPMORGAN CHASE & CO. (NC)

To whom it may concern on XX/XX/1017 we purchased a XXXX XXXX from XXXX XXXX in XXXX ny our loan is with XXXX XXXX XXXX  who has been a great place to do business with my complaint is not with them but it is with the dealer and all of the lenders who ran my wifes and my credit, we were under the assumption that the dealer ran our credit and submitted it to the lenders,1time, instead they submitted the application to them and they all ran the report I have spoke to the lenders to try to get them resolved and taken off our reports, they either refused or said they cant they put them on they can take them off, my wife and I now are going to try to purchase a home and all of these inquires are on the reports lowering our scores could you please HELP US
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Acceptance Co., LLC (FL)

The information XXXX XXXX XXXX is reporting is inaccurate and its invalid. They are showing account open account when it was closed as of XX/XX/2017. The car has been repossessed ... I have sent 3 letters for them send written validation of the debt ....
Consumer complaint received 2021-02-03
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. (CA)

On XX/XX/2020, I mailed a certified letter of dispute to Equifax. It's been XXXX days and I've yet to receive any verification or validation for the inaccurate accounts listed on my credit report. This lack of consideration is causing me to feel disregarded pertaining to this important matter.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

Company : NewRez Unreasonable time waiting for refinance to close. My original mortgage is with the same company so it appears they are slowing down the process on purpose so they don't lose money on the refinance. It has been a total of 4 months since this process began. The communication between me and the Company Mortgage consultant has been absolutely atrocious with little to no responses from anyone at the company. 



XX/XX/XXXX I spoke with XXXX XXXX at NewRez about refinancing my original loan I have with them. I agree to the refi and XXXX sends me list of required documents. 
XX/XX/XXXX I sent all required documents to XXXX XX/XX/XXXX XXXX says they need more documents. 
XX/XX/XXXX I send additional documents. 
XX/XX/XXXX Haven't received any updates. XXXX XXXX where we are at in process. No response XX/XX/XXXX Send another email asking for update. No response XX/XX/XXXX Send email to XXXX boss XXXX XXXX sayings XXXX is not responding, and can I get a response from her. No response XX/XX/XXXX XXXX replys that he's waiting on underwriting and will follow up with them now. He never follows up. 
XX/XX/XXXX Email XXXX again asking for some sort of eta XX/XX/XXXX XXXX responds " looking into it putting in a ticket with upper management '' XX/XX/XXXX I email XXXX asking for an update on the ticket. No response XX/XX/XXXX XXXX emails me saying they need more documentation. 
XX/XX/XXXX I send additional documents. 
XX/XX/XXXX New person XXXX XXXX assigned to my loan. asks for even more additional documents. Some documentation I've already sent in as well. 
XX/XX/XXXX I send additional documentation. 
XX/XX/XXXX I ask for confirmation of receipt of documents to XXXX. No response. 
XX/XX/XXXX I ask again for confirmation of receipt XX/XX/XXXX XXXX confirms receipt XX/XX/XXXX I ask XXXX an ETA for closing the refi, she responds that I will need to contact a XXXX XXXX about that. 
XX/XX/XXXX I email XXXX about ETA, no response.
Consumer complaint received 2022-01-12
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (IL)

i noticed an account on my credit report i immediately contacted all parties and the XXXX credit bureaus XXXX fixed the error but XXXX and XXXX did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed immediately.