davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-06
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: JPMORGAN CHASE & CO. (AZ)

OVERCHARGE on hotel bill. Probably due to not crediting deposit. Brought to attention of hotel and Tod would be credited. Never happened. Requested full accounting of all charges and credits from J P Morgan-CHASE. They refuse to do so and insist on honoring the incorrect charge. JP Morgan is enabling this larceny.
Consumer complaint received 2017-12-21
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: BBVA FINANCIAL CORPORATION (TX)

On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX Bank. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by Capital XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 
A complaint was also filed on XXXX XXXX, XXXX with the XXXX of XXXX XXXX commissioner. 

Please review attached
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX put a collection on my credit report on XX/XX/XXXX for {$120.00} due to XXXX. I never received internet services from XXXX as I was outside of there grid and cancelled the account within 5 days on XX/XX/XXXX. I have a letter from XXXX admitting fault that they should have never submitted my account to XXXX XXXX XXXX collection agency. XXXX  and XXXX have deleted the collection off of my credit report. However, I have disputed with Equifax 3 times and it won't get deleted. XXXX keeps telling me they have notify all 3 credit bureaus on XX/XX/XXXX. Equifax keeps telling me XXXX tells them the account belongs to me. The 2nd dispute with Equifax they updated the balance to XXXX  showing paid on XX/XX/XXXX. I never paid anything off. Equifax or XXXX is not helping me out. It shouldn't be this complicated to remove this off of my report since it was an ERROR. I am trying to apply for a loan this is making it difficult for me financially due to my FICO score.
Consumer complaint received 2021-11-30
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 filed a dispute with transunion showing proof that I am making current payments on my account with XXXX XXXX and they refuse to update my credit report ... they claim that they investigated and that they found the information correct which it is not and by the way I paid XXXX dollars on this account my current balance should say XXXX but it says XXXX on transunion
Consumer complaint received 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.
Consumer complaint received 2017-12-21
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: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX Bank. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 
A complaint was also filed on XXXX XXXX, XXXX with the XXXX of XXXX XXXX commissioner. 

Please review attached
Consumer complaint received 2021-05-05
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. (AL)

XXXX XXXX XXXXEFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX  TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX  IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. XXXX AND EQUIFAX HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH XXXX AND EQUIFAX STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX  AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. TGEN TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO XXXX XXXX  THAT HAS THE ACCOUNT TO XXXX XXXX  AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX. '' THIS Was SAID AFTER I ASKED XXXX XXXX HOW THEY VERIFIED MY DEBT TO EQUIFAX AND XXXX  NOW DUE TO XXXX XXXX  NOT VERIFYING DEBT AND XXXX XXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR XXXX  AND EQUIFAX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (TN)

I leased a XXXX XXXX XXXX from Honda Financial Services on XX/XX/XXXX. The lease had a XXXX term and was scheduled to end on XX/XX/XXXX. On XX/XX/XXXX, I sold the car to XXXX allowing XXXX to exercise the purchase option prior to the end of the lease term on my behalf. The attached lease agreement states that I " have the option to purchase the Vehicle at any time. The purchase option may only be exercised by the Lessee. If I purchase the vehicle prior to the end of the Lease Term, the purchase price will be the Adjusted Lease Balance plus any payments or other charges due and unpaid under the Lease and any taxes or fees required by law in connection with the purchase. '' The lease agreement states that a {$350.00} " Turn-In Fee '' will be assessed if " I do not purchase the vehicle. '' The only other mention of the Turn-In Fee is in the section regarding Scheduled End of Lease Liability, which describes what charges will be assessed at the time the vehicle is turned into Honda at the end of the lease. However, this section would not apply since I did not turn the vehicle into Honda at the end of the lease. 

XXXX obtained a payoff quote from HFS on XX/XX/XXXX, in the amount of {$12000.00}, which was {$370.00} higher than the payoff quote that HFS 's website provided me. HFS received the payoff from XXXX and credited my lease account on XX/XX/XXXX. The attached transaction history shows the payoff of {$12000.00} as well as the assessment of a " Turn In Fee '' of {$350.00} and {$28.00} in taxes on the fee. 

In this situation, I allowed XXXX to exercise the purchase option on my behalf. I signed a Power of Attorney transferring ownership to XXXX. As the contract states, " This purchase option may only be exercised by the Lessee. '' It should not matter whether I purchased the vehicle from HFS directly or whether a dealership purchased the vehicle from HFS on my behalf. The Turn-In Fee should not have been assessed. I would argue that this is a deceptive practice and the name of the fee itself is deceptive. One would think that a " turn-in '' fee would apply to turning a vehicle back in at the end of the lease, not buying the lease out early, paying HFS all remaining monthly payments, and the residual/purchase value of the vehicle as stated in the agreement. Further, the lease contract does not clearly disclose under what circumstances the Turn-In Fee may be charged.
Consumer complaint received 2021-02-05
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. (PA)

Please re-investigate the information that are NOT relating to any transaction by the me. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report.
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

On Monday XXXX XXXX, I received a call from Ditech, my mortgage company advising me I was late on my XXXX payment. I advised them that the payment was sent and received on XXXX XXXX and that they were mistaken. 
I was then told that the payment for XXXX XXXX had not been received and I advised them that the payment had cleared my bank on XXXX XXXX. 
The Rep then stated that " Ditech '' had inadvertently credited my account with 2 payments in XXXX XXXX, when it should actually should have been credited one payment. They stated that I needed to pay this payment to make the account current. 
At this time Ditech has started adding late fees and Im sure my Credit Score will soon reflect their mistake. 
It is beyond me why I should pay to correct their mistake. They could not provide me any answer as to why I 'm being forced to pay for their mistake. I am current on all payments.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$530.00}
Consumer complaint received 2021-02-05
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. (IL)

On XX/XX/2020. I requested XXXX  and Experian to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my XXXX and is inaccurate.
Consumer complaint received 2021-02-05
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. (IL)

On XX/XX/2020. I requested XXXX and XXXX  to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my Equifax and is inaccurate.
Consumer complaint received 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion the two accounts for XXXX and XXXX. These accounts were previously deleted from my credit report because they were reporting in error. XXXX ; XXXX and Transunion have recently started reporting these accounts again. This false reporting of these accounts is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.
Consumer complaint received 2021-02-05
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. (NY)

I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since USPS tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.
Consumer complaint received 2021-02-05
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: Credit Bureau Services Association (TX)

Hello I was a victim of fraud and several accounts were opened in my name. They just so happen to be medical bills, hospital bills and phone bills. I have submitted these documents to the collection agency and the credit bureaus. Both have continued reporting the fraud accounts on my reports. The collection agencies have refused to provide proof and continue to harass me by continue to report false information on my credit report. Please looking into this and I will provide documents and the list of collection agencies who continues to do this.
Consumer complaint received 2019-08-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America reported delinquent payments. I was a victim of identity theft in 2014. It was reported to the proper authorities but Bank of America won't remove this from my 3 credit reporting agencies.
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (GA)

Repeatedly calling same friends and relatives regarding my debt. Leaving messages on their phones that I am facing legal action. I called and spoke to a supervisor to request they stop calling friends and relatives but they do not stop. They have called multiple people more than 3 times. The supervisor told me that they do background checks online and they can call anyone who is listed in my background check report. I thought companies could only call third parties once and they couldnt leave messages stating I am facing legal action? The third parties did not ask them to call back, and actually asked them to never call again. But the calls keep happening. When I answer their calls their reps always threaten legal action and use intimidation tactics telling me that I have until XXXX to respond or legal action will commence immediately. This has been going on for many months. I am being harassed by a new agent every three days, as per their internal policy.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I moved in XXXX of XXXXI notified Care Credit that I had a new address. 
I paid my account to XXXX  before moving. 
You don't get a statement when you owe XXXX 
Today XX/XX/XXXX I called number on card to check on.I found out they ( Synchrony Bank closed XX/XX/XXXX ). 
They say they sent out a new card & was returned XX/XX/XXXX by post office. ( case/service request # XXXX ) complaint filed XX/XX/XXXX today with USPS. 
THEY SAID THEY CAN NOT ISSUE ANOTHER CARD.THEY NEVER INFORMED ME OF ACCOUNT BEING CLOSED THRU E-MAIL OR MAIL. 

XXXX XXXX
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (KY)

After declining to pursue a refinance with New American Funding, a representative sent an email requesting details why I chose not to pursue the loan, and included approximately 50 other customers on the same email, seeking the same information from them. It was a wildly inappropriate and cavalier way to treat customer data, with no concern for consumer protection even after the mistake was highlighted by another customer. Some customers shared their rationale with the entire group before the mistake was brought to light.
Consumer complaint received 2022-01-10
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. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates failed to provide proof of authority to validate the alleged debt, despite a written request I sent on XX/XX/2021, to produce for my inspection upon demand as required by law, the original ( wet signature ) contract and agreement as evidence that they are, in fact, the holder in due course of the purported debt obligation. I have never entered into any agreement with or had any consumer transactions with Portfolio ; therefore, they are illegally trying to collect money I do not owe them because I am the original creditor. They also willfully committed fraud and identity theft by obtaining ( 8 ) credit card statements to show as proof of a consumer contract eight times. According to 18 USC 1028 ( a ) ) ( 1 ) Identity theft means a fraud was committed or attempted using the identifying information of another person without authority. I never gave Portfolio Recovery Associates, or it is affiliates permission or authority to obtain any IDENTIFYING INFORMATION regarding myself.

Pursuant to 15 USC 1692 ( e ) ) ( 10 ) a debt collector may not use any false, deceptive, or
misleading representation or means in connection with the collection of any debt. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Portfolio Recovery Associates on XX/XX/2021, sent a written correspondence to me trying to obtain my identifying information, which is a violation by law. I believe there is no proof to the contrary.

Pursuant to 15 USC 1692 ( d ) ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is a violation.

Pursuant to 15 USC 6801 ( b ) ) ( 3 ) protection of nonpublic personal information by Portfolio Recovery Associates was violated when they shared my location information with a third-party company. 

On XX/XX/2021, I sent a cease & desist letter, an affidavit of truth and an invoice to Portfolio Recovery headquarters. Unfortunately, they have yet to resolve this issue or compensate me for all the violations noted above.
Consumer complaint received 2020-09-06
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. (FL)

Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my XXXX report 3 times.
Consumer complaint received 2019-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

I have had this on my debt collection it shows for awhile but I have never received bills or been called about it which leads me to believe that its a false debt that I actually don't owe. I would like this to be removed as I feel I was wrongly charged with this debt.