davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
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: EQUIFAX, INC. (MD)

I have sent out a letter to Equifax about one ( 1 ) account on my credit report ( XXXX XXXX  XXXX ). I have asked Equifax As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for that account. I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Equifax signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter ( 66 days to be exact ) and Equifax signed the receipt. I have never received the contract that contain my signature which I repeat is my right under the section 609 of the FCRA and Equifax keeps reporting that account ( XXXX XXXX XXXXXXXX ) to my credit report. I would like to notify you that the account has been removed on my XXXX and XXXX credit report. Why can't Equifax do the same? Does XXXX XXXX XXXXXXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately that account from my credit report. I have attached to this statement the USPS return receipt and the copy of the original letter that I have sent to Equifax. Please CFPB help me fix this issue. Equifax is getting money from big companies such as XXXX XXXX  XXXX to keep information of people credit report no matter what and that is a shame!
Consumer complaint received 2022-04-28
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: CREDIT ACCEPTANCE CORPORATION (FL)

The Credit Bureaus stated Account Name & Account #, was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate. and the date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

ON XX/XX/2019 I SENT BY EMAIL TO XXXX THE DOCUMENTATION REQUESTED TO MODIFY THE MORTGAGE. 

FOR FOURTH TIME NOW, THEY ARE SAYING THAT THE INTERNET PROVIDER DOCUMENTATION IS NOT GOOD AND I NEED TO CHANGE BANK STATEMENTS TO THE PHYSICAL ADDRESS. ALL DOCUMENTS MATCH WITH THE ELECTRIC, AND INTERNET BILL WHICH HAS THE PHYSICAL AND MAILING ADDRESS. 

THIS IS HAPPENING SINCE XX/XX/2019. I REPORTED THIS SITUATION ALREADY. 

THIS IS THE SECOND TIME. PLEASE XXXXNTERVENE./ LOOKS THAT THEY DONT WANT TO FINISH OR GRANT THE MODIFICATION THEY ARE REQUESTING AGAIN 2 UPDATED BANK STATEMENTS BECAUSE THE OTHER ONES ARE MORE THAN 90 DAYS OLD. THIS IS A JOKE FROM THEM. 

PLEASE SEND A RESPONDE TO XXXX XXXX XXXX XXXX FL XXXX.
Consumer complaint received 2017-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (ME)

I completed a loan application online today for {$12000.00}. I received an email stating the loan request was approved. I submitted my banking account information including a copy of one of my checks, as instructed. I then came to a screen that required me to complete electronic disclosure statements. At that point I decided I wanted to borrow a lower amount, {$8000.00}. There was no screen, tab, etc. that allowed me to change the loan amount, so I called XXXX and spoke with XXXX. She told me that she could not change the dollar amount on her end, but I could request a lower amount by completing a new application. XXXX said that the company would not need to run another full credit check as long as I submitted the new application today. When I applied for the lower amount ( less than an hour later ) I received an email stating it was not approved. I called XXXX and s/w a supervisor, XXXX. I reiterated the above information and XXXX would only tell me " a couple things changed in your application. '' I asked her how anything could change within one hour. XXXX said I probably should not have been approved the first time.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Yesterday ( XX/XX/XXXX ) a lady named XXXX called my parents who lived in another town ( XXXX ) asking about my whereabouts, saying they were trying to get a hold of me in order to serve me. I called XXXX using code XXXX and they said they were trying to collect a debt from Capitol One from XX/XX/XXXX. They said I have 48 business hours before in goes to court and that I owed {$1800.00}. I didn't recall this account and currently have an active account with Capital One. I told the, XXXX would do some research and call her back. I also asked for an email to be sent, which they did send. I called Capital One who directed me to another company which had the old account and they didn't see that the account was given to a law office. They also had never heard of the law office : Whitesonandassociates.com. This company sent me a letter to my email. The company information is as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, CA XXXX.
Consumer complaint received 2020-11-23
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: EQUIFAX, INC. (NJ)

I have tried to call XXXX  to dispute my Department of Education loans but won't work. I have also went to dispute on XXXX  and Equifax and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.
Consumer complaint received 2022-04-28
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: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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Consumer complaint received 2020-11-23
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. (NJ)

I have tried to call XXXX to dispute my Department of Education loans but won't work. I have also went to dispute on TransUnion and XXXX and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am divorced as of a year ago in XXXX, filed chapter XXXX bankruptcy which was filed on XX/XX/19, loans against house through XXXX and XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both XXXX and Transunion credit reports after having been removed from bankruptcy, talked with Transunion, not easy to get this task done, also emailed XXXX but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, XXXX XXXX XXXX has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.
Consumer complaint received 2017-12-21
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: JPMORGAN CHASE & CO. (OH)

JP Morgan Chase has made an egregious mistake on my credit card account billing me for unauthorized fraudulent activity perpetrated by criminals as a direct result of a loop hole in Chases banking system that erroneously allowed payments to be reversed on my credit card resulting in {$57000.00} in total charges including the original fraudulent amount and interest and fees that have accrued as a direct result of Chases incompetence in not more promptly resolving the matter and greed in wanting to profit from criminal activity while scapegoating the innocent customer into footing the bill. This is not only unlawful but deeply unethical leading to defamation as my credit score has declined resulting in lost employment  opportunities as Im currently unemployed and looking for work as a direct result of this incident and tremendous stress leading to declines in my mental health that have resulted in XXXX, XXXX and thoughts of XXXX. Instead of showing the slightest good will towards a loyal customer, Chase corroborates with the criminals in taking advantage of the innocent at my most vulnerable by providing a banking platform for criminals to carry out their scams while turning a blind eye to the scheme despite repeated notifications to the fraud department as far back as XXXX when I first discovered the scheme and notified police. Furthermore, the eventual tally resulted from not just a single reversal but multiple and after discovering the first one and notifying Chase, Chase did not at all correct the mistake or attempt to stop more from happening on my account. This is in direct violation of the Bank Secrecy Act of 1970.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: LDF Holdings, LLC (CA)

On XX/XX/2022, I wrote a letter to Lendumo, XXXX XXXX XXXX, and revoked authorization to my XXXX XXXXXXXX account, and I placed a stop payment with my bank on XX/XX/2022. Lendumo ignored the letter and went into my account under a different name, after I revoked Authorization. The payment posted to my account today and I have now filed a dispute with my bank. Thank you for your time.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, My capital one checking account, specifically my debit card was compromised and the account was fraudulently charged starting XX/XX/26 from various merchants out of XXXX. After reaching out to capital one several times to get updates I was told by a representative today that all my claims had been denied and the reason for that denial was that they did not follow a normal fraud pattern and I had access to the account. 

While it is correct that I had access to the account I disputed these charges as soon as I was allowed to by capital one, which was as soon as they posted. Capital one could not provide me with any more information as to why they denied the claims, what the charges were for or how they can possibly think that charges coming out of XXXX had anything to do with me. My account history clearly shows that in all my years with capital one there have not been any foreign transactions and what seems to be blatant fraud capital one took 5 days to deny the claims without properly researching the matter or gathering information from the merchants. 

My account has been completely wiped out and when I expected my bank to protect me they completely failed. 

Below are the claim numbers and amounts. 

XXXX CLAIM XXXX AMOUNT {$33000.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLAIM XXXX AMOUNT {$4900.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX CLAIM XXXX AMOUNT {$4700.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$6900.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never transacted or authorized any of these merchants from XXXX to charge my debit card. Capital one needs to fully investigate these charges and protect me as their customer from malicious activity. 

I look forward to a speedy resolution to this matter.
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (NJ)

On XX/XX/XXXX I paid off the remaining loan amount to the captive finance company of XXXX XXXX, BMW Financial Services doing business as XXXX XXXX XXXX. 
1 ) After 4 years of paying on time they had me wait two weeks to send the title for my check to clear 2 ) When I finally received the title on XX/XX/XXXX, they sent the wrong title 3 ) When talking to them over the phone on XX/XX/XXXX, they insisted on me first returning the wrong title that they sent before they can send me my title. 
4 ) When insisting that they should return my title even before I returned the wrongful one, they refused. They also refused escalating the call any further after talking with a Service Manager called XXXX. No last name. 

We see BMW Financial Services treating its customers as untrustworthy even when the customer has complied in every respect and they have not. 

A company like BMW should hold itself to higher standards, standards that respect and put the customer first as opposed to putting their company fist even when they make mistakes.
Consumer complaint received 2022-04-07
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. (NY)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX and XXXX XXXX showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal actions. Please delete the items as soon as possible. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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Consumer complaint received 2020-10-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have been harassed by this company for a while concerning a debt that I am not liable for. I have not signed a contract or given them the permission to obtain my place of residence or my contact information in which they continue to frequently harass me. They called repeatedly at inconvenient times in which I have told them numerous times to stop.To my understating as a consumer they have broken the consumer laws found in 15 USC 1692.
Consumer complaint received 2021-05-07
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: LEXISNEXIS (FL)

On XX/XX/2021 I applied for a home owners insurance policy for my investment property. My Broker, XXXX XXXX XXXX XXXX, XXXX, was successful in placing the policy through XXXX XXXX XXXX in XXXX, FL. Shortly there after I received a letter XXXX dated XX/XX/XXXX ) indicating that the rate I was charged was increased due to credit data received from LexixNexis. Letter listed four reasons : - Account with a reported delinquency Including bad debt - # accounts with a reported with 30 day late payments - # of accounts that have been established - # of acccounts with 30 day or worse late payments within the las 30 day. 

As my credit is essentially perfect ( current credit score XXXX XXXX, I immediately requested the data records from LexisNexis. On XX/XX/XXXX I received their response and after a comprehensive review, I found that ALL of the credit reported belonged to my son. The file correctly reflected his name ( same as mine with a different middle name ) and social security number and his address ( the investment property where he lives ). Today, XX/XX/XXXX I contacted LexisNexis and requested they correct the report and only report credit which has my Social Security number, home address, and DOB. I also requested they send the corrected copy to XXXX XXXX Insurance. I was advised that they couldn't do that as XXXX XXXX 's inquiry did not provide any social security or DOB information. Nor did it included a middle initial. The address they submitted was the investment property not my mailing address. Based on the vague/incomplete request they indicated that they had provided the information requested. Therefore, I would need to have XXXX Insurance re-submit the request with the correct parameters. 

Based on the feedback from LexisNexis I contacted XXXX Insurance who very quickly told me that they would not re-submit and that I needed to go to LexisNexis and have a consumer comment indicating an error in the file. They also indicated that this would not removed the surcharge on my insurance. After I insisted that this was not legal indicating that they can not charge me a surcharge due to their error, I was told there was nothing they could do and after I indicated that I would raise this to the regulators I was hung up on. 

Net, net. XXXX Insurance submitted an incomplete and erroneous credit request and refuses to correct their error which is resulting in an increased premium which they are not entitled to.
Consumer complaint received 2021-05-07
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. (VA)

The Experian Credit Report shows XXXX XXXX sent to collections from XX/XX/2018. This was related to an on the job injury covered under XXXX 's XXXX. I provided the collections agency with the Workmans Comp Account number, along with the Emergency Room Billing Department which show no more record of me personally owing anything. I have Disputed this threw they system, providing all necessary documentation, and they still do not remove it from my account.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I have a T.J. Max credit card. It was my first credit card and I had no idea they were charging me 28 % interest. So when I hurt my foot and could not work, I fell behind. The interest and late fees are astonomical. I called to ask if they could delay or set up a reasonable plan to help me catch up, but they won't do anything. I closed my account, but still have this huge bill. The interest and late fees are most likely more than any purchases I ever made. I feel they are double charging me interest, and it is so complicated, I can't figure out what is the correct interest. Companies like this should be outlawed to protect people like me who work hard, but do not have a substantial income.
Consumer complaint received 2022-04-28
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: CLGF Holdco 1, LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

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