davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I was given a loan for a car to which my first problem was the same day. Car was dead. Battery was replaced. Then I took the car in on numerous occasions and each time they said there was no problem. By the fourth or fifth month the whole transmission fell out the car. It was supposed to be covered but in a turn of events they said I will have to pay for the tear down which could have ran me up to {$5000.00}. Now that is not fair. I reported it immediately and told them to keep the car. Then later I found out there was a problem about a salvaged title which was another problem. Now I get called from them several times a day everyday. It has gotten so bad I put them on block and they still call from other numbers. The harrassment is out of control.
Consumer complaint received 2019-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX my Comcast phone stopped working. On XX/XX/XXXX I found out my phone number was stolen ( ported to different carrier ) and my Capital One MasterCard was stolen. Someone had managed to call them ( using stolen phone number ) and get them to send a new card to their address. This is a card that I have not used in over a year and sits in a locked box in my house ( it is still there ).

Capital One called me about attempted fraud, but will not fix the issue until I prove my idenity. The only acceptible way for them is for me to send them scanned copies of my drivers license. While I understand their need to verify my identity, I am not comfortable sending them copies of my document, since they already have a data breach by sending my card to someone other than me and I therefore do not trust their security. I attempted with many phone calls to negotiate any other way to prove my identity ( go to a physical Capital one branch and show my ID, go to the sherriff, federal agency or similar and do the same thing ) and they refuse.
Consumer complaint received 2020-12-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

There are several issues with my credit report that has taken in excess of 120 days way beyond the thirty days. It should only take 30 days to investigate the issues with my credit reports and request.
Consumer complaint received 2019-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received a alert that a hard inquiry had been made two credit bureaus without my knowledge ( authorization ) on XX/XX/2019. 

I was notified via email by XXXX XXXX on Friday, XX/XX/2019 at XXXX XXXXXXXXXXXX. ( CST ) of the unauthorized hard inquiry from Capitol One USA. 

I contacted XXXX and XXXX and was advised to contact Capitol One directly, since the inquiry was initiated from their office. I contacted Capitol One and spoke with a representative, XXXX ID # XXXX. XXXX apologized and advised me to mail in a letter requesting Capitol One to remove the inquiry. 

I sent Capitol One a certified " letter of deletion to have the possible fraudulent inquiry investigated and removed from the credit bureaus. 

I received a letter from Capitol One dated XX/XX/2019 ( Case # XXXX ). The letter didn't address my request regarding the " hard inquiry, '' but rather provided me with general information regarding three types of " soft '' inquiries. The letter further gave me instructions of what to do if I didn't want future prescreened inquires. 

Because the unauthorized " hard inquiry '' was not addressed in the response, I contacted Capitol One again and spoke with supervisor, XXXX ID # XXXX, in reference to my complaint. XXXX advised me my case ( # XXXX ) was reviewed, deemed as a valid inquiry and closed. I asked XXXX how could the hard inquiry be a valid inquiry without my consent. I further explained I'm aware soft inquiries happen, as their response already stated. 
XXXX further explained although she understood, Capitol One deemed the inquiry valid. XXXX stated I'd have to contact the credit bureaus separately if I wished to further dispute the hard inquiry. 

I shared with XXXX XXXX, as well as XXXX sent me correspondence stating I'd have to contact Capitol One regarding having the hard inquiry removed. 

XXXX kindly apologized, but advised me again Capitol One deemed the inquiry a valid request, and therefore wouldn't investigate the matter further. 

I asked XXXX was there anyone else I could speak with regarding this matter, as this hard inquiry did have a negative effect on my credit score. I also shared with her the XXXX  and XXXX   advised me to take this matter up with Capitol One. 

XXXX again apologized but stated the case was closed. 

I expressed to XXXX my disappointment in the entire process, and in the lack of integrity Capitol One has given this possibly fraudulent matter. 

My only request was to further investigate, and send a letter to request the " hard '' inquiry be removed. 

It seems as if the credit bureaus, and Capitol One forwarded a " general '' letter without consideration possible the fraudulent activity. 

There has to be a better way to direct consumers in such cases. I've been on this merry-go-round since XX/XX/2019, and no one can still give me a clear answer on who's to remove the inquiry. 

Please help ....
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIRST ADVANTAGE CORPORATION (AZ)

I sent myself a transfer to my XXXX checking account from my Current account for {$1500.00} on XX/XX/XXXX and the transfer was canceled and shortly after my account was placed Under review with and email requesting documents on since XX/XX/2020. I sent over my DL SSN XXXX  ACCOUNT STATEMENT AND MULTIPLE REQUEST.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened a claim for merchandize not received on XX/XX/year>, under the case number XXXX and the claim was denied without any answer or reason. 
I reopened the case on XX/XX/year> through customer service and since then I have not received any update or status of the claim reopened. 
I sent the information requested to have a second review to XXXX XXXX
Consumer complaint received 2020-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

We requested and received a mortgage forbearance due to the COVID crisis. After we were approved for the forbearance, we contacted PHH Mortgage ( our mortgage finance company ) to discuss repayment options for the forbearance amount. Despite of telling the company that we were unable to make a lump sum payment at the end of the forbearance, PHH has refused to offer any other options such as placing the forbearance amount on the end of the loan or allowing us to pay it back over the remaining mortgage payments ( approx. 180 payments ). Therefore, we are reaching out to CFPB to see what other  options are available.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (LA)

On XX/XX/XXXX my mortgage payment was process by Amerihome mortgage. There was two problems with this, first I did not include the nine in the written text on my check. The nine witch made the check read XXXX XXXX XXXX dollars and XXXX XXXX cents. Instead of XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. Someone altered my check to read XXXX in the numerical box on my check. The second thing was that the XXXX was never given credit to my mortgage account. But was withdrawn from my XXXX XXXX account. I have now spent over a dozen phone calls and hours on the phone on hold to try to resolve the matter. We even did a three way phone call with a Amerihome representative and my XXXX XXXX representative for over two hours trying to resolve this. I call a few days later to get an up date and was told by Amerihome that my customer service case was closed because my account was current and not behind. This is because I had to double a mortgage payment to catch up for XXXX. .All I am asking is to apply the XXXX to my mortgage account. As I type this I have now been on hole for over 45min. Unable to reach a customer service.
Consumer complaint received 2019-08-15
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. (IL)

XXXX ; Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the DPT EDXXXX ; XXXX and XXXX XXXX  partial account numbers : 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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates Inc is falsely reporting that I owe them and/or XXXX XXXX XXXX {$3600.00}. I have been and continue to be a customer of XXXX XXXX XXXXk for many years now. All my XXXX XXXXXXXX XXXX  accounts are current and in good standing. This {$3600.00} is bogus and XXXX should discontinue this malpractice. I challenge them to prove that I do not currently have 3 accounts with XXXX XXXXXXXX XXXX  that are in good standing to this date. I challenge them to present a recent statement confirming that this money is owed and that I do not currently have a banking relationship with XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (FL)

GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO EQUIFAX ( CREDIT REPORTING AGENCY ) : -XXXX -XXXX XXXX -DISCOVER FINANCIAL SERVICES  -XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX  WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX  THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.
Consumer complaint received 2020-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I am furious that this second mortgage was not forgiven after the whole predatory lending fiasco in the early to mid XXXX era. Most second motgages were forgiven as part of a settlement however this loan was sold and improperly and fraudulently switched to seem as if it were a first loan, avoiding the forgiveness process. 
I have paid over {$100000.00} on a {$65000.00} second mortgage and now they want the entire balance of {$51000.00} paid by XX/XX/XXXX. This has to be illegal! 
I don't want to pay them another dime and want this loan forgiven and all that I have paid to them refunded to me. 
The current company, which is probably the fifth, is XXXX XXXX ( PHH ) and the account number is XXXX. XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX. Tel - XXXX. 
I have made numerous attempts to deal directly with the bank however with all of the changes in the companies, who can keep explaining this to non caring individuals.
Consumer complaint received 2019-08-15
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. (IL)

XXXX ; XXXX and Transunion are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXX XXXX partial account numbers : ****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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AL)

I received an email from Chase Bank stating my account could possibly be closed due to a fraudulent deposit, stating the names did not match. On XX/XX/XXXX I spoke with XXXX in the XXXX XXXX XXXX Department and he informed me after verifying the deposit in question of {$13000.00} from XXXX XXXX XXXX on XX/XX/XXXX that my account would not be restricted or closed. On Wednesday XX/XX/XXXX I was scheduled to have more deposits from my XXXX XXXX XXXX and other banking partners, unfortunately they did not post to my account. I called chase once again and was transferred to several departments with no resolve, just that my account would be closed in 10 days as fraud. I was then instructed to go into a branch to get more information regarding the closure an hopefully resolution, as my account transaction is not fraud. I went into a Chase branch in XXXX XXXX Texas, ( I was visiting my daughter ). I was assisted by XXXX who was very helpful and also confused as to why my account was restricted and set to close. She contacted the back office and they to were also confused, but after researching they found that my prior last name of XXXX had popped up on the deposit and that caused a red flag. I was married in XX/XX/XXXX and my last name is now XXXX, which has been changed since XX/XX/XXXX. I updated my name with Chase provided them with my marriage certificate, drivers license and signed new signature cards, my name was also changed with XXXX XXXX XXXX to reflect XXXX. While looking at my profile they found the branch failed to upload and attach my documents to my profile. We then uploaded my marriage certificate and drivers license. The next day I received all deposits they had previously rejected due to the restriction. My account remained in a positive standing and now today after writing a check to one of my other accounts I noticed Chase had debited my account via a check. I called and was transferred to 6 different departments, with no resolve. I explained that I do not want this to reflect negative on my business, but all they would say is they have the right to close my account with no explanation. At this point I no longer want to do business with Chase I just don't want a negative impact on my business.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (GA)

I sent a letter to the credit bureaus and to the decbt company and no one sent me anything to verify this infomation. I have called the credit bureaus and they told me that I needed to contact the company which I did. I asked XXXX, XXXX and XXXX and they would not tell how how they verified the information nor would they give me any other information on the phone or threw the mail. I am confused on how you report items on a person credit and can not say how it was verifed.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I finish paying off the balance on a car, XX/XX/2019, through XXXX 's XXXX XXXX ... .Experian email me XX/XX/2019 saying that my Fico score had went up and my credit score had change for the better. Then I received another email two days later saying by credit score had decreased, so I called them to see what was going on, because I pay-off a car loan {$17000.00} The dealership already informed me that they report to two major credit agencies XXXX and Experian once I pay my car -off, So Experian is saying that a person credit score goes down, because once it shows my car loan account has closed, it reflects in a negative way I told the rep that I was speaking to that is Ludacris.. people pay -off their debts so that one 's credit score can  improve, not the opposite, but that is the explanation he gave me, as well as the supervisor I ask to speak to .The rep told me that were other things on there that decrease my credit score, which doesn't make any sense, because everything on there has already been on there ... XXXX XXXX XXXX XXXX ... has been on there for years. so my credit score should be up ..
Consumer complaint received 2019-08-15
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. (NC)

This complaint concerns Experian, with almost complete lack of ability to unfreeze a credit report in order to obtain a mortgage. This started about XX/XX/19 with " unfreezing '' such reports with both XXXX and XXXX  -- both were easy and correct the first time. It has taken me a week to figure out how to do this with Experian. I thought I had done it correctly, AND I received an email saying it had been temporarily unfrozen, so I told the mortgage lender ( XXXX XXXX XXXX XXXX  in North Carolina ) to try. He could never get into the account for that third credit report. So I tried again, and again, and it was never possible to reach a human being -- the telephone number ( s ) for consumer support ( a robot voice, apparently ) either just said ( a ) go to the website or ( b ) thank you and hung up. On one of these calls, where you are asked to press 2 or say " freeze, '' said said freeze. That was a mistake, because then Experian " refroze '' ( apparently ) my account. In the end, I had to request a new PIN, pay {$20.00} to get it XXXX to me ( great way for Experian to make money, apparently ), and try yet again. The telephone menu may have worked ( it is now XX/XX/19 ), but I am completely unconvinced that Experian can be trusted. The idea that one can not reach a human being except through really strange numbers ( not obviously ones that anybody would try, and not available on the web ), is infuriating. Whether Experian has done what I requested today is still unclear. I plan on writing my North Carolina Senators to ask whether either of them is in a position to look into Experian 's business practices and lack of adequate consumer service and protection.
Consumer complaint received 2022-01-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting a Balance of {$29000.00} Which is Inaccurate Experian also says it was charged off in XXXX which is Inaccurate And also Experian is still reporting accounts from XXXX XXXX & XXXX XXXX Also there are several Inquiries which I do not recognize
Consumer complaint received 2021-05-05
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. (SC)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (NC)

I had a 3 year contract with XXXX XXXX, the contract period was fulfilled XXXX. After the account was closed an additional two months of fees was billed. No new sensors or security measures were added to my home. The initial sensors were paid under the 3 year contract, no new materials were added. I had already started using a XXXX XXXX XXXX at the time of the additional charges. The charges added were around {$200.00}. I did not pay, I do not owe this company money. Zion Holdings took over the debt it is now showing as {$520.00} on my credit report. I do not owe this money.