davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

For EXPERIAN 1. How is this collection/charged off account still show a balance amount on my report? It should be XXXX balanced. 
XXXX XXXX XXXX Account Number : 68 DELETE THIS FOR FCRA VIOLATION. 
2. Why am I looking at totally different amounts under high credit or original amount for this account? There even is a bureau reporting this at {$0.00}. That is not making any sense at all! 
XXXX/XXXX XXXX XXXX Account Number : XXXX Delete this obviously unverifed and unvalidate account. 
3. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

For TRANSUNION 1. How is this collection/charged off account still show a balance amount on my report? It should be XXXX balanced. 
XXXX XXXX XXXX Account Number : 68 DELETE THIS FOR FCRA VIOLATION. 
2. Why am I looking at totally different amounts under high credit or original amount for this account? There even is a bureau reporting this at {$0.00}. That is not making any sense at all! 
XXXX/XXXX XXXX XXXX Account Number : XXXX Delete this obviously unverifed and unvalidate account. 
3. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.
Consumer complaint received 2020-12-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Prime Choice Funding Inc. (AZ)

While trying to close on our VA refinance loan the loan process was taking what seemed like an inordinate amount of time. After reaching out to both our loan processor and loan officer we were assured that we were close to a closing date. However, after some additional weeks had passed with no communication from the lended I became concerned. I had gone through my emails at that time and found a communication from the lender stating that they would close in 21 days of less. With that said, we had signed our loan estimate documents and intent to proceed document two months prior. 60 days had passed since document to process the loan were signed yet we had still not received closing disclosure or final lending documents. I then contacted the lender to inform them of what I believed to be inaccurate and false statements in regards to their closing timelines and that I intended to proceed with filling formal complaints if this issue was not immediately rectified. A phone conversation with our loan officer followed in which they stated they had never stated a closing date of 21 days or less. I informed the lending officer of the email in which he had stated a 21 day or less closing time line, to which he stated that he did not sent the email and that an automated system had. I did inform the lender that his name was on the email and that it had come from the lending company. We had further discussion about if I wanted to close the loan application, which I did not. The subject of closing the application seamed to be a threat of retaliation, if you file a claim against us then I will close your loan. I informed the lender a second time that I did not intend to close the loan process and that if the process was closed I would look at filing a retaliation claim. The lender then stated that I had been the one that was making threats. When asked what threat that was the lender stated the treat of filing a complaint. I did tell the lending officer that this was a threat to preform the action the lender had already committed to. The phone call ended at that time. In addition, I wanted to state that the lender had also made previous claims that we would be able to " skip '' two month payment on our mortgage when we refinanced. I'm not sure of this claim is legal or not but wanted to add that information incase it was a deceptive lending practice.
Consumer complaint received 2020-12-02
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)

TODAYS DATEXXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXXXX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX
Consumer complaint received 2021-10-12
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 (GA)

I applied for an account with XXXX  XXXX XXXX XXXX and will be denied if I'm unable to have this information from XXXX XXXX. I was told there was account reported on XXXX XXXX with my name, address but the wrong social security number. This account was reported by Bank of America for suspected fraud. I have been unable to get in contact with Bank of America because the phone system doesn't allow you to speak with Customer Service without a valid account number or social security number. 
I also tried to contact a local Bank of America with no response. I submitted a dispute with XXXX XXXX and I am waiting for a response.
Consumer complaint received 2021-04-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

XX/XX/1996 my husband and I completed paperwork to refinance our home with XXXX XXXX XXXX previously located in New Jersey for {$33000.00}. Within 72 hours we decided to cancel the loan and drive to the mortgage company to complete the cancellation process. I recently found out that the mortgage is still opened when I tried to sell my home and realized the company never canceled the loan. I have never paid on the loan or received any late payment notices because the loan was canceled. I tried to explain this to the title company but was unsuccessful. Unfortunately, I can't find the cancellation letter from over 20 years ago. I conducted some research and found that XXXX XXXX XXXX. of New Jersey was once a subsidiary of XXXX XXXX XXXX XXXX  and later acquired by XXXX XXXX and now Santander Bank. I was never notified of a change of ownership or payment notice for the mortgage.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experien was showing on my credit report an open loan from XXXX, with past due balances. That account was paid in full and always on time and that account was closed upon completion of all payments back in 2018. 
Ive spoken to XXXX about this and Experien. XXXX verifies it was closed and paid in full and never showed any late payments. 
I have asked Experien to remove this income and they havent. This erroneous information is affecting my credit score.
Consumer complaint received 2021-04-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$390.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2017 with a balance of {$390.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$25000.00} -This is not my account.
Consumer complaint received 2020-12-02
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$340.00} Date Opened XX/XX/XXXX < -- - NONE OF ALL THESE ACCOUNTS ARE MINE, HOW IS THIS VERIFIED AS ACCURATE? NO WRITTEN, ORAL, OR MAILED NOTICE TO ME. HOW ARE THESE COMPANIES LISTED NOT GETTING SUED? SHOULD I SUE?
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (NY)

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven
years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to an
y delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Consumer complaint received 2017-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am trying to pay off my last Auto Loan payment through Citizens bank. Since this past XXXX i have been trying to log on to their website, like i have done for the last 4 years to make a final payment, and i keep getting a message saying there is " no billing account associated with this profile ''. Which is preventing me to pay off my loan since i do n't have access to any statements. I used the " Contact us '' link and called the number and its fully automated and all i get after entering my account info is to " refer back to your last statement '' So i went to a local Citizens Branch and they told me that branches ca n't process auto loans, but they did look up my account and tell me it was still active. 

So i have been trying every number of Citizens Bank i could to try and get this resolved and i have yet to speak to someone.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (TN)

This is a closed account that Has been closed since XX/XX/XXXX. XXXX XXXX. XXXX was a co card holder on this account, and XXXX XXXX XXXX was the primary account holder. 

As of today XX/XX/XXXX, Sams club synchrony bank reported the month of XXXX as NA which is not legal and following the fair credit reporting act. Payments are made on time even though this is a closed account. 

This needs to be reported as paid. 

Attached are screen shots of XXXX XXXX XXXX, experian report showing this unlawful NA under samsclub synchrony bank. 

Also attached is payment history showing on time payments. 

We object to this NA as its required to say paid We, XXXX XXXX XXXX and XXXX XXXX XXXX, reserve all rights. This complaint does no require any phone calls as this account is closed with a current balance and paid as agreed. This is a credit reporting issue. 

By law they are required to say paid for all months for on time payments ... until balance is paid in full. This is a unlawful reporting by samsclub synchrony bank
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

I went to XXXX XXXX XXXX  on XX/XX/XXXX and traded my XXXX XXXX XXXX for a new XXXX XXXX XXXX. I completed all paperwork and left the dealership. I then recieved a call from XXXX XXXX on XX/XX/XXXX that I was behind on my lease and that I needed to bring the car into the dealership. I then advised XXXX that I had traded the vehicle on XX/XX/XXXX. They explained that there was still a balance on their end and they needed the car paid off or returned. I then proceeded to call XXXX XXXX XXXX who said that XXXX XXXX has not funded my deal and it was rejected. They told me that I would have to come in and sign new paperwork. I spoke with their assistant GM XXXX and he assured me that they would rectify the delay and also report back to the credit bureau. I was also promised that if there were any extra late charges or overages that XXXX XXXX XXXX  would cover. This is still not complete. I received another call from XXXX on XX/XX/XXXX about the payment to payoff the old lease still.
Consumer complaint received 2021-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I traded in XXXX XXXX XXXX  XXXX car to XXXX XX/XX/XXXX. Please update credit report and credit score showing CAR IS PAID IN FULL for CREDIT ACCEPTANCE. Total amount paid was {$20000.00}
Consumer complaint received 2020-11-04
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. (GA)

Equifax has not been updating my credit score and giving me proper credit I deserve. My score does not increase if I pay balance off or anything. My score has been the same since XX/XX/XXXX an I have paid accounts off. Im not getting proper credit score rating an feel discriminated against by equifax. Equifax has paid XXXX balance accounts under negative accounts when balance was paid before contract ended. I have a paid for car loan that I never paid late on in 5 years and my paid off car says closed account an under negative accounts. Equifax is allowing a collection account to keep changing names just to keep a current date. The date updates as if I opened collection account in XXXX XXXX. That collection account is from XXXX an has been sold numerous of times. All the creditors that collection account been sold to is on my credit report in closed accounts or collection. The collection account went from {$250.00} dollar balance to XXXX something over the years an keep updating in different names and newer dates. Please make equifax fix my credit report and place positive and negative accounts where they should be. Also equifax does soft credit checks on my credit report from equifax without my permission.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My complaint is with the following companies. 

1. XXXX XXXX 2.Capital One 3. Mastercaed I booked an XXXX XXXX on XX/XX/XXXX - XXXX. The XXXX XXXX property was not as advertised. Due to the timing of the wedding, food preparation, location, and mutliple travelers arrival upon check in- the unit was less than satisifactory. This information was brought to the host via messenger prior to check out and I was met with a unprofessional response that me and my guest threw a large party and I am not getting a refund - so there is no need to send pictures of the property taken upon check in. I notified XXXX XXXX and was given the run around and ultimately deferred back to the host. To avoid combative arguing - I notified XXXX XXXX that I would dispute the charges with capital one. 

Capital one provided a provisional credit during the dispute, removed the credit, and sent a letter that took 10 days to arrive to my home denying my claim. Within this letter, I was given the option to request for my claim to be re-opened and the option was then given to me to submit the respective support which includes video and images of the property compared to what was advertised. My claim was denied stating " insufficient support :. 

I was also told that mastercared does not accept images for review. I was also referred back to the merchant in which I have decided to pursue this all the way into taking legal action to recover costs and damages for what I feel is discriminatoruy practices. I am requesting a full refund and preparing to file a legal complaint against all parties.