davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (CA)

I have a loan with FRD MOTOR CR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and FRD MOTOR CR with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One credit card services have repeatedly charged me 23.99 % interest on balances that didn't exist. I have been making very large payments every few weeks and they are still charging me based on a higher monthly balance. I have called numerous times to ask for explanations, help, leniency, etc., and have been refused every time. I have even closed the three cards I have with them and asked for help with a small interest reduction. They have refused. I have paid so much money in interest penalties based on a balance they say exists and it doesn't. They are charging interest based on an average monthly balance of well OVER the actual account balance. Last month and this month in particular they have charged interest on a balance of {$1000.00} or more over the actual balance. Every agent I've spoken with has tried to help in any way they could and have been denied by the company. 
I need help, please!
Consumer complaint received 2020-07-17
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. (FL)

THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-07-17
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. (FL)

THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-20
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. (NY)

Dates : XXXX Amounts : {$180.00}, {$2300.00}, and {$38000.00}. XXXX Affidavits for all accounts were sent to the company and credit bureaus. 
Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Fraud Affidavits were sent to the company and credit bureaus and or pplication on file.
Consumer complaint received 2021-09-13
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. (MD)

I sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long to me.
Consumer complaint received 2022-08-07
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)

I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

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 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 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 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Denied credit card in error, CitiBank refusal to address concern, repeated denial over the years. Perfect credit ( above XXXX ) amongst all 3 major credit reporting bureaus, long credit history, and great debt to income ratio.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

LVNV - AKA Resurgent - Reporting XXXX  XXXX - XXXX I have spoken to XXXX XXXX - There is NO ACCOUNT in collections - I have 5 XXXX   XXXX Accounts all with perfect history LVNV - According to court records, This is not their name - They went Bankruptand have hundreds of complaints and lawsuits * They report NO acct number States acct opened in 2017 - I was hospitalized the entire year XXXX XXXX would not grant me credit if this was true * I asked LVNV to furnish me any and all documents IDS, SS Card or any other DOc - I would file ID THEFT if they provided This is NOT the 1st time they have reported fraudulent info on me and maybe someone inside their organization - Please delete this account from XXXX XXXX, XXXX immediatly
Consumer complaint received 2020-07-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dovenmuehle Mortgage, Inc. (VA)

1. A refund check in the amount of XXXX was sent from the city of XXXX, VA for my benefit to Dovenmuehle Mortgage Company to be disbursed to me approximately XX/XX/2020. 
2. As of XX/XX/2020 there is no check. Ive made over 75 phone calls regarding the status of my check. I spoke with numerous customer service representatives ; Ive discussed the matter further inherently speaking with at least three of the same supervisors twice. There were so many stories as to why I have not received my check : I was told it was sent out XX/XX/2020. The customer service rep said it will take 30 days before they could cut another check. Around XX/XX/2020 I called to check the status, customer service rep said they had to research it ( Not sure what they were doing for 30 days? ) I called several more times, they came up with these stories : It was sent out. Its processing. I dont know. I will call you back. I will expedite it. No one in that department has responded. We were out because of COVID-19. They are looking into it This mortgage company only recently began to use COVID_19 as an excuse.. 
3. This money was desperately needed to assist me with clearing up my debt for my security clearance and to obtain a hiring position. I told XXXX XXXX XXXX XXXX   I would have my outstanding debts paid down. Due to this companys lackadaisical attitude, incompetence, reckless and total disregard for me as XXXX veteran and that I care for a wheel-chair bound sibling ; I loss a position that I was being looked at for promotion ; Im now being looked at for demotion due to my financial responsibilities that were not completed due to my funds being withheld. Had this mortgage company return my refund check in a timely matter, I would have a promotion instead of being on the brink of being unemployed.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NC)

In XXXX of 2020 I started the process of refinancing my mortgage with NewRez LLC. On XX/XX/2020 the appraisal was ordered, which I paid. Since that day, I've heard from the mortgage company, maybe 2 times. I've called multiple times, left multiple messages, sent multiple emails to XXXX XXXX and XXXX XXXX with no response. Nothing, no call, no email. It's now XX/XX/2020 and still nothing. I have no idea what's going on with my refinance. They've already extended the lock in rate once, however, that was a month ago. I would like for someone to explain to me what's going on.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Borrower finalized her divorce from the primary borrower on the loan, on /or around XX/XX/XXXX. 
Since then the secondary borrower have been paying the monthly mortgage payments. The secondary borrower have tirelessly presented financials and the ability to pay the mortgage, but the lender have continually rejected removing the primary borrower from the loan. Although the settlement agreement, as well as the divorce decree, have been presented to the mortgage company. 
Again, I requested a modification on/or around XX/XX/XXXX, and was denied because XXXX XXXX XXXX XXXX, dba, Home Mortgage Company because they factored in the primary borrowers ' income although the primary borrower was no longer in the home. Also, effectual documents were submitted to the lender along with their representatives. 
Most recently as XX/XX/XXXX through XX/XX/XXXX the above documents were presented to XXXX XXXX XXXX XXXXXXXX, dba Home Mortgage Company both to the refinance department also  assumption department. Yet both applications were denied, based on the foreclosure on the primary borrower in XXXX. This is not feasible to continue to carry the other borrower on a loan that he has not paid for in over nine years.
Consumer complaint received 2024-03-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (CA)

I attempted to make payments ( in person ), but after they began taking money from my bank account, I contacted the XXXX XXXX office ( now closed down ) and they referred me to the main office in Texas. After speaking to the vice president and showing them my bank statements proving that they took the money from my account, he explained to me that they would take care of the issue and replace the money they took, but it never happened. I believe they cleared my account, but I still have a XXXX from Title Max on my pink slip that I need removed.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NH)

XXXX XXXX XX/XX/XXXX Fraud Accounts opened using my SSN TD Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - received notice from TD Bank that an account under my name was overdrawn. This is not my account, opened using my stolen SSN.
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I cancelled an automatic mortgage ( loan Care LLC ) payment due to issues with my bank account. I submitted a one time payment to cover my mortgage. Although my auto draft was cancelled the servicer still took the funds from my account. I called in the morning of XX/XX/2020 to let them know I need the funds returned immediately ( I mentioned that I needed the funds returned that same day multiple times and the representative did not say it was not possible ). I submitted the request per their instructions and received no update. I called back the same day for a status update and they told me it would take 10 to 15 days to process ( information that, if I had it before, could have made a difference as I could have wired money before the wire cut off time ). I asked to speak to the supervisor and she said it's not 10 to 15 days ( at this point I have been given 2 pieces of wrong information ), I asked what they are going to do to fix this and the supervisor kept repeating that their is a process but did not offer any other solutions. Access to the funds ( which I could have gone around had the first representative told me it was not going to happen same day ) was very crucial for me and now I am in a difficult position because I have bills due that I can not cover right away.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (MD)

I was declined for a credit card in spite of having a credit report with no adverse ( late payment ) information, a credit score near XXXX and 3 % utilization of available credit. After receiving the credit report, Citi requested additional information including copies of bank account statements and a copy of my federal tax return which I provided. Twice the reason given for turning down credit was " could n't verify the accuracy of ... information provided. '' I was given no opportunity to discuss this with anyone or provide further information. Lacking any reasonable reason for credit being declined I am left to conclude that the fact that I am XXXX years old is the real reason this credit was declined.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A previous complaint I submitted they sent notice saying it was paid back by retailor or the bank, they don't know which but they say it's resolved. 
It is not resolved, I want an itemized accounting of my account showing what comes out and what went in to match dollar amounts, not just " we take it off your statement when it's credited back '' prove to me the monies were put back in my account. 
Pretty scandalous you remove the transaction from my statement and claim it was settled. 
Show me
Consumer complaint received 2022-04-02
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. (FL)

For one account ( XXXX XXXX ) it is reporting that my last payment was made on XX/XX/XXXX and that the account was closed on XX/XX/XXXX. The card was closed XX/XX/XXXX. I asked for verification that this account is indeed mine and I asked for the method of verification. I have received no response from them. I reached out on XX/XX/XXXX. No response and nothing change. 

Next account ( XXXXXXXX ) I asked for validation and received no response. Acct is not mine
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CT)

I noticed I had several late payments with this company. I was asking the company to update my payments to XXXX or bring my account to good Standing due to law 15U.S 1681 section 604A section 2, 15 U.S 1681 section 602 states I have the right to privacy. 15 U.S 1666B
Consumer complaint received 2018-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

Upon much research and due diligence regarding my student loans, it was brought to my attention that the bank or agent is not the holder in due course of the promissory note. Several attempts were made to obtain information regarding bookkeeping entries, questions concerning this transaction and other relevant information, and requests for the actual and original promissory note of the transaction to be produced. These requests in writing were sent via certified mail with delivery confirmation to agents of the Pennsylvania Higher Education Assistance Agency ( PHEAA ). On the following dates, letters were sent to XXXX XXXX XXXX, DBA XXXX XXXX agent, to request such information : XX/XX/XXXX Notice of Adequate Assurance of Due Performance ; XX/XX/XXXX Notice of Default and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt ; XX/XX/XXXX a final notice regarding failure to comply with UCC Code 2-609 " Notice of Adequate Assurance and Performance '' ; XX/XX/XXXX Request for Original/Unaltered Front and Back Side of Promissory Note and Notice of Failure of XXXX XXXX to Respond to 2nd Questionnaire Regarding Creation of the Alleged Loans. 

Despite sending these letters, I have not received answers to my questions, nor the original and unaltered promissory note as requested. 

Lastly, on XX/XX/XXXX a Notice of Termination was sent to XXXX XXXX XXXX XXXX, XXXX, attorney for the agent XXXX Bank. Notice was given that the contract and any obligation it created was hereby terminated for failure to provide adequate assurance of due performance as outlined in international contract law UNIDROIT principles of international commercial contracts XX/XX/XXXX. 

Despite requests for full-disclosure, I have not received information from the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to assure of its performance and that I received proper consideration to support the contract. It's somewhat confusing that I can submit certain questions regarding this matter and the parties remain silent to my requests. My contention is that they have not satisfied themselves to the validity of the original agreement when becoming either agent or holder in due course and shows a profound failure in their due diligence and duty of care. It is also my understanding that they have an obligation to speak. Pursuant to the XXXX XXXX XXXX v. United States ( XXXX XXXX XXXX ) " An entity can not compel performance upon it's corporate statutes or corporate rules unless it, like any other corporation, is the ( holder in due course ) in some contract or commercial agreement between it and the one on whom it demands for performance are made, and is willing to produce said document and to place the same into evidence before trying to enforce it's demands. '' Since they have failed to respond and substantiate their capacity of holder in due course, I have no further duty or obligation to perform.
Consumer complaint received 2018-02-25
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: DISCOVER BANK (KY)

Unauthorized credit inquiry on XXXX  credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX  credit report.
Consumer complaint received 2024-03-16
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: Kikoff Inc. (FL)

I was trying to buy a new car I am a single mom and need transportaion I notice that my report has some damages according to the 15 u.s.c 1681 law there shouldn't be any damages on your report its a defamation to my character
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CO)

I have had this credit card for over 2 years now. It was originally a {$200.00} secure credit card. Citibank sent me back my {$200.00} after 6 mths, but In over 2 years they still refuse to increase my credit line with ZERO MISSED PAYMENTS AND never exceeded my credit line an ANND I have multiple accts with Shell and Home Depot that Citibank is contracted with but can not get credit line increase with Citibank card itself with credit rating of XXXX
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX and Transunion placed a collections XXXX XXXX on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this collections.