davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capitol one, restricted use of my secured line credit card without any reason or prior notice, after calling in and advising them that the card was not working they then said they were unable to provide me any information and transferred me to Fraud, after trying to get proof of the reasoning behind the restriction. 

I even advised that they are violating my rights according to FCRA. 

A consumer has a right to obtain all of the information in their own file. Consumers have a right to contest inaccurate information. 

I then advised them that I can verify every single transaction made and why was the card restricted they were unable to answer the question. I have spoken to almost 10 supervisors and who have provided me 1 simple reason and now my credit score is being affected due to them failing to accept payments and or mail me an updated statement as requested to completely close the secured lines they refuse and will not send me a bill but theres {$250.00} remaining on my credit report. This is unfair reporting allow me the opportunity to resolve my debt and cease all communication and update my report is all I asked or I will seek damages and reimbursement of all legal fees.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendKey Technologies, Inc. (WA)

Hello CFPB, I previously submitted a complaint to the CFPB regarding this issue. Supposedly the company responded to the CFPB, but I was unable to access anything b/c the CFPB didn't have my contact information correct to be able to match to the complaint and create an online CFPB account. I tried faxing my correct contact information to the CFPB but it appears that now the account/complaint has been closed. That complaint number was XXXX. The complaint to the CFPB was submitted on XX/XX/XXXX. 

My issue is with the credit reporting on a student loan I have with Lendkey Technologies. They have incorrectly reported to credit agencies that I have not made payments, when I have, and the balance is incorrect as well. I have been making on-time payments since XX/XX/XXXX and these- and the decreasing balance- have not been correctly reported to credit agencies. This has majorly affected my credit score- and that of my co-signor as well. I tried working with Lendkey Technologies directly but they were unable to fix it and asked me to officially dispute.

I sent my original complaint directly to Lendkey Technologies, via first class and certified mail, to three separate addresses supplied by Lendkey. One of the address was the address reported by them on my credit report. The other two addresses were off their website. I have yet to receive any sort of response directly from Lendkey and it has been almost two months.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NV)

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : 1XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX. CBNA XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (FL)

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 2021-07-14
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. (CA)

Company refuses to fix factual disputes, Charge off account showing currently showing past due, Collection accounts with a credit limit, Accounts that are incorrectly reported as late or delinquent, Open charge off accounts,
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (SC)

I was in the process of having my mortgage re-negotiated with XXXX XXXX when my home was lost in a fire. I owed at the time {$130000.00}, I received an insurance check for {$190000.00}. I had plans to rebuild. I learned that XXXX turned the mortgage over to Bayview Mortgage and the {$190000.00} disappeared and this has left me with out a home. I have made many attempts to find out where the money went because there was a second mortgage on the house and it was not paid, I'm paying it right now. The check was made out to XXXX, myself, XXXX XXXX., and I can't get an accounting of where the money went and why my home was not rebuilt. 

I did pay an attorney {$3000.00} to look into the matter but he has ripped me off also. He will not answer his phone. It was XXXX XXXX XXXX in XXXX, NJ. I'v tried reaching him many times. I just want someone to tell me where the money went. I'm retired after 34 years of XXXX XXXX. and my husband served over 20 years in the XXXX. I just want some answers.
Consumer complaint received 2021-02-26
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: AMERICAN EXPRESS COMPANY (MD)

I would like to made an addition to my complaint ID XXXX which was submitted earlier today, Friday XX/XX/2021. 
I would like to add that the customer service representative from American Express told me my credit score was XXXX according to XXXX, however I have attached a screenshot of today that my credit score is actually XXXX. A full XXXX points above their statement, and this screenshot is also directly from XXXX. Why did they lie to me about my credit score? The service rep was from a call center in XXXX which I also think had an impact on my resolution. 
I have also attached a few screenshots showing Excellent repayment history with AMEX ( through XXXX ) and proof that my current minimum payment has been met, to further emphasize the fact that this {$810.00} payment request from AMEX feels almost like extortion.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lost my house in the XXXX XXXX. Bank of America is holding over $ XXXX that I need to rebuild my house in an account. My property is worth well over {$3.00} XXXX. I have contacted Bank of America over a dozen times asking them to release the funds. The have sent out an inspector XXXX times to verify that the house is being built. They refuse to release any money except a small amount that was being held over the mortgage loan balance. My house is now XXXX finished and I need the balance they are holding to finish the house. We were underinsured and we have used the balance that the insurance company gave us all ready. Bank of America is acting in bad faith. At this point they should have released at least {$300.00} XXXX They refuse to release anything. The are too big and powerful. I can not afford to spend the money to hire an attorney. I can not fight this bank on my own. I would greatly appreciate your help in this matter.
Consumer complaint received 2019-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/2019 Paypal permanently limited my account with no warning.I have talked with several customer assistants and they can't give me any information on why, just that it shows a violation of the acceptable use policy.I think I have had the account for 18-19 years and never had the problem before.I have sent emails to the Paypal violations department and just get automated responses staing the same thing that the customer assistants tell me.Also they froze the money in my account ( {$15000.00} ) because they said they have to be able to reimburse people for chargebacks if they occur.I think I may have had one or two in the past 10 years.So I don't think full amount needs to be held.I sell on XXXX and this is only payment method accepted so as of now I can't sell on there.Also the money in my account was used for necessities and is not available for me to use.I understand if they don't want my business that is their decision but I don't think I should be held in the dark on what my violation was.My items are compliant through XXXX and nothing I sell is illegal.After this happened I have read a lot of stuff online where this has happened to many other customers.I would appreciate in any help in finding out what the problem is.Thanks.
Consumer complaint received 2020-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-14
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)

I have a fraudulent account from REGIONAL XXXX XXXX # XXXX. Someone was using my name to apply for credit/loan. I filed a police report due to my information being compromised.
Consumer complaint received 2020-07-14
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: SYNCHRONY FINANCIAL (GA)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2015-07-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (OH)

I got a loan with XXXXCash call. they take XXXX out the XXXX of the month. I have been paying on this for XXXX plus years. I for sure already paid this off but I cant find where to log in at to check. the numbers I am calling for Cash call ( XXXX ) goes to voicemail. I am beginning to get nervous as I have read on here lawsuits against them. I am an OHIO resident and believe they are still taking money when they should n't be. PLEASE HELP!!!!!!
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : 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 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I received a call from ( XXXX ) XXXX advising that there is a lawsuit pending for me from HSBC/XXXX  XXXX and I have not heard anything about this. They weren't able to provide any additional information. Is it not on my credit report and this is the FIRST time I'm hearing of this. I bank with XXXX XXXX and have two credit cards and no issues. 

I asked the lady to stop calling my job and they said they would continue to do so.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AZ)

I have a specialty Visa with Chase bank. A few months ago, I took advantage of a balance transfer offer that they gave me and transferred a $ XXXX balance to that card ( which previously had a {$0.00} balance ). A month later, I used that same card to take a vacation with my son. This particular specialty card provides XXXX XXXX discounts when used at the vacation destination that we were at. So it made sense for me to use that card in this instance as well. 

For the last couple of months, I have made payments of {$1000.00} or more each month expecting that those payments would be applied to the highest interest balance on the account ( what I charged on vacation ) as is required ( from my understanding ) by law rather than them being applied to the XXXX XXXX balance transfer balance. I noticed today however, that of the {$1300.00} I paid last month, {$890.00} of those payments were applied to the XXXX XXXX balance transfer and only {$400.00} was applied to the roughly {$6000.00} 19.49 % interest rate balance. 

I contacted Chase several times because the answers I was provided on a couple of the calls didn't add up to " math '' and what was on my statements. I finally spoke to an escalations person who informed me that " normally '' they would apply payments to the highest interest-bearing balance on the card but since I took advantage of a balance transfer, in the fine print of that offer, allowed them to only apply my monthly minimum payment to the higher interest balance and any overages I pay would go to the XXXX XXXX balance transfer. She also informed me that there was no way they had to allow the consumer to call or through their website to make any payments and designate which balance to apply that to. 

So basically, I will be unable to pay off the higher interest balance until I pay off the XXXX XXXX balance transfer. This allows them to continue to charge the 19.49 % interest on the other part of my balance. Which pretty much makes the balance transfer savings pointless. While I'm not sure if this is legal or not, if it is, it shouldn't be. Nowhere evident in the balance transfer process was I informed of this process or change to the standard payment application process on the card. There have been tons of laws requiring " truth in lending '' to consumers through credit card statements and loan applications so I can't imagine that this isn't borderline illegal. I am happy to provide any additional information needed.
Consumer complaint received 2020-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Scheer, Green & Burke L.P.A. (OH)

Today I received a call from a XXXX XXXX regarding some bills I allegedly owe. She was very rude, nasty and condescending. She went as far as to threaten me and state that I was being sued and a lien put on my house for medical bills that I don't owe. I have insurance and the hospital failed to bill my insurance. 
She also was trying to collect on red light tickets that I am not responsible for. Plus the red light tickets here in XXXX are no longer collectable or can be placed on credit trade lines.
Consumer complaint received 2020-07-14
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-01
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. (MI)

i have contacted these companies several time. Due to hard inquires on my credit report. i have sent my identification to the credit bureau and the companies. every company i have contacted has know knowledge or information about me. i request for them to remove the hard inquire
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

This involves Equifax credit bureau and the furnisher : XXXX XXXX XXXX who are providing knowingly incorrect information on my credit file and Equifax refuse to remove it even though proof was provided. XXXX XXXX claim that an amount is owed from a apartment company by the name of XXXX XXXX XXXX XXXX XXXX, TX in the sum of {$3300.00}. I have a court document stating otherwise. This court document states due to two defaults where the Plaintiff ( XXXX XXXX ), refused to attend the jury trial court proceedings. A ruling was made on the second trial of not only another default issued against XXXX XXXX, but a decision was made that no monies was owed from said Defendant ( XXXX XXXX ) to the said Plaintiff ( XXXX XXXX ). The supporting documents were faxed to XXXX XXXX XXXX XX/XX/2019, poof being provided by a fax confirmation. Having this evidence in possession, XXXX XXXX still refused to acknowledge the documents and continue to report the facts and stop reporting this inaccuracy. The acting manager on this file representing XXXX XXXX name is XXXX XXXX. The same documents were faxed to Equifax on XX/XX/2019, prior to 3 previous disputes that were filed on this same matter. XXXX and XXXX deleted the file immediately after proof was given, not Equifax!!!! Both are illegally falsifying the debt on my credit file.
Consumer complaint received 2020-05-09
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: ERC (NY)

This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : Enhance Recovery Company XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX