davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have never filed Bankruptcy! 

Account Name : BANKRUPTCY CHAPTER XXXXDISCHARGED Account Number : XXXX AMOUNT : $ NA Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$3600.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$6300.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$8500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$26000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3900.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5400.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5600.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXXXXXXXXXXXXXX AMOUNT : {$7500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$760.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect. You even failed to legally verified this pursuant to Section 609 of FCRA.
Consumer complaint received 2020-08-12
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. (CA)

Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

We had filed forbearance on XX/XX/2020 for COVID-19 coronavirus relief. It was approved by Flagstar and mortgage company. Now we are receiving letters that we should pay immediately back to back amount estimated XXXX Dollars. My business was directly affected by this virus and I would like to use this forbearance until coronavirus subsides and business restores fully.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I opened a bank account at Bank of America in XXXX and 2 legal orders withdrew all my balance, no information was obtained since XX/XX/XXXX. 

Legal order on XXXX XXXX XXXX took all the balance of XXXX USD Legal order on XXXX XXXX XXXX took all the balance of XXXX USD First contacts with Bank of America by calling XXXX, they gave me an email address related that is XXXX and I emailed twice on XXXX and twice on XXXX but never receive a response. 
Second contacts with Bank of America by calling XXXX, they explained there was a court order against me so the money was gone but they refused to send me a copy of such court order. 
Recent contacts with Bank of America, a specialist claimed that I should go to California Tax Centre. Again no information was found related to these two legal orders and they said I am not supposed to pay tax since I am non resident alien who don't live in U.S. and no income inside U.S. ever. 

I am tired of this kind of invalid process and the failed explanation of Bank of America, so I want to complain.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MA)

opened a new Lowes home improvement store card with Lowes.  purchased a stove and found out employee range up wrong stove on same day XX/XX/XXXX. lowes changed policy so can not make a refund on a new credit card until receive the card. can not even make a payment on the card as lowes employees tried to do to solve in the same store in XXXX MA. sent to corporate HQ after posting on XXXX and they say nothing can be done on refunds or payments. can only make purchases on this temporary account. so wrong stove rang up and still can not cancel order even though the store employees want to because of new policy set by either Synchrony Bank or the new Lowes CEO. would like the sale credited as should be done.
Consumer complaint received 2020-08-12
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. (CA)

I recently tried to dispute some accounts that were on my credit report with XXXX XXXX, XXXX, and Equifax. I did so because there are collections on my report which I do not owe or are not mine. I still haven't heard anything from any of the credit bureaus. I read how you have taken a relaxed stance on the credit bureaus from doing their job. I placed the link below even though I know you are the ones who issued it so are ware of it. 

https : XXXX All I want is for the credit bureaus to do their job. They need to delete accounts that do not belong to me immediately and they need to do so without me having to  file complaints against them. Thank you.
Consumer complaint received 2021-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 7th dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NM)

i applied for amazon chase credit card so i could get a discount on large amazon purchase. they approved me however they never sent me a card ( i didnt really want it anyway ) and i have never used if for purchase of any kind. they then call me onXX/XX/XXXXand say i am 30 days past due. after spending half hour calling them back and getting to someone who could help i explained my situation. i told them i never got a card nor used it for anything. they told me that it was a fraudulent purchase and that they would cancel the card send me a new one and nothing would be reported to credit bureaus. they in fact did report to credit bureaus
Consumer complaint received 2021-07-12
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. (GA)

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$770.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2020-08-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Refinance my home loan with a new mortgage company XX/XX/XXXX. First payment due to the new mortgage company was XX/XX/XXXX for the amount of {$2.00}, XXXX. XX/XX/XXXX, my monthly payment changed to {$2000.00}. My mortgage payments are set to be paid automatically through my bank, so when I checked the account on the mortgage company website and saw the change, I paid the difference of {$7.00} difference to make sure I paid the full amount. I called the mortgage to inquire why the increase, and they informed me my my home owners insurance increased that's the reason why. The escrow account will be below that threshold. I asked if I pay the difference outright will my monthly payments go back to {$2000.00} they told me yes, so I paid {$46.00} shortage. 

Now I adjusted my autopay through my bank for the XX/XX/XXXX mortgage payment, just in case, and I was right it did not go back to {$2000.00}, it stayed at {$2000.00}. Thinking it may take longer to correct, I changed my autopay for XX/XX/XXXX, back to {$2000.00} ... well it didn't. Called the mortgage company again and they said it will not change, so they lied initially. 

Time for XX/XX/XXXX payment, {$2000.00}. was paid by my bank. I checked the mortgage company website and my payment changed again, it's now {$2000.00}. Called again and the reason this time was, they paid the taxes in XXXX and the escrow account was short again, so I paid an additional {$210.00}. 

Received a letter from the mortgage company dated XX/XX/XXXX, the annual escrow statement, it had my NEW MONTHLY MORTGAGE PAYMENT SET FOR {$2600.00}. 
Ridiculous! My mortgage payment before I refinanced with this company was a little over {$2200.00}. The idea for a refinance is to lower your mortgage payment, not to pay an additional {$490.00}. When I called the mortgage and ask commented that the calculation for the escrow was to be done in the beginning to avoid this, he stated they made a mistake with the calculation. They will take no action. I am not paying for their mistake. Please help. I have all documents needed. Thank you.
Consumer complaint received 2017-07-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Elite Financial Services, Inc (MA) (MA)

I called a company Elite Financial Services Inc. to consolidate my credit cards they send me a paper to sign, they amount they charging me is crazy. they are taking advantage of innocent people like me who are desparate going through financial problems, i hope they do n't do to other people
Consumer complaint received 2020-08-12
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: SYNCHRONY FINANCIAL (PA)

My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Consumer complaint received 2021-07-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CA)

I brought my first car they westlake financial under a dealer I thought I can trust. They sold me a XXXX  XXXX XXXX XXXX. It was smooth for only 4 months and I had to take it to the manufacture dealership. Dealership told me the car wasnt fully 100 % and was sold to you almost run down. I lost the warranty n the car by the miles already put in it. I couldnt afford repair and monthly payments. I was between jobs and I couldnt travel since my cars wasnt working properly. I only had the car for a year and only drove it for half that year. Im very disappointed that I fell for the old take your money and trust deal. I need to get the settled and charge off my credit in a great way. My dad is now sick and needs help back home. My mom been taking care of him but I need transportation to help them around. Please contact me.
Consumer complaint received 2020-08-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED AUTO ACCEPTANCE (GA)

Whereas after continuously investigating my issue, Ive learned of a few more items that these people have falsely and intentionally damaged my personal life ( Credit ). by what theyve done, stating that Ive missed several payments on this account,. Whereas when I accepted this account I knew and did the math on this, mainly because I could manage it to build my CREDIT up, those months that were wrongfully submitted that payments were missed, Im providing information to verify my truthfulness, Ive never missed a payment to these evil individuals, Ive tried to contact them and, have a sit down to discuss my information, I was only placed on hold and No one ever communicated with me, Ive even paid this company late fews for when I was never really late, a late few is charged to consumers even before a due date
Consumer complaint received 2020-08-12
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: CL Holdings LLC (GA)

Disputed information with XXXX  in reference to XXXX XXXX XXXX. Account was sold to JCS. 
JCS repoed my vehicle on XX/XX/20, auctioned on XX/XX/20. I explained to XXXX  JCS ( Jefferson Capital Services ) had my new address and repoed the truck, as well JCS intentionally sent the redemption letter to my address, through regular mail ( Not certified- per GA Law ). As well XXXX XXXX is reporting the repo ands showing I never made any payments and reporting the full amount of the contract. I reported the same information to XXXX  ( who has deleted the file ) as well to XXXX  ( no response yet ). I sent XXXX  screen shots of payments, which showed the original amount of the contract and they still updated the information as Accurate. I personally believe they did no investigation and just updated it without reviewing.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I have a citibank card that had no balance. I turned off the autopay during the COVID19. I used the card and forgot the autopay was off. I made a payment after the date when I logged in and saw there was no payment made. Then I was charged a late fee of {$29.00}.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (LA)

I had a credit card with the XXXX XXXX ( XXXX ) before my husband was laid off. We never missed a payment before his layoff. When we was notified about his layoff last year. I call XXXX XXXX ( XXXX ) and let them know what was happening and ask if their was a way to suspended the account. They told me no and that we would have to figure out a way to make the payments on the {$500.00} limit credit card. When we had to stop making payments we only owed around {$300.00}. Fast forward to XX/XX/2020, I called XXXX XXXX ( XXXX ) to try to arrange a pay to delete on the account that now has gone up to {$700.00}. I am told that the account was sold 3 days previously to GC Services and that I must call them. I have never received any validation from them on this debt. But because this is destroying my credit in the middle of my husband and I trying to buy a house I wanted it off of my report fast. I called GC Services on XX/XX/2020 and spoke to XXXX and asked to do a pay to delete and offered {$400.00}. She spoke to her mangers and asked if I could pay {$490.00}. I agreed if she agreed that this would make it paid in full and and not a charge off and she said that it would and I would receive a letter in the mail stating that. Again this was only a {$500.00} limit credit card. I received 2 letters in the mail from GC Services, The first saying they received my payment and my account is settled. The next is stating the date of XX/XX/2020 and the amount of {$490.00} I paid to settle my account. Neither one stating what she agreed to. After the payment cleared they still have the account as a charge off and change the amount from {$700.00} to {$210.00}. I have the whole conversation recorded because I had a feeling they might do something like this.
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (MN)

The following credit inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report are all fraudulent and unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (GA)

I have a loan with XXXX ( 07 NATIONAL COLLEGIATE TRUST ). I have always made my payments on time. For some reason I realised that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and XXXX ( 07 NATIONAL COLLEGIATE TRUST ) with no successful resolution. XXXX, XXXX  and XXXX  only reporting me late. There was definitely an error on their part.