davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX my payment for XXXX did not go through when it was on XXXX 
I reached out to the company and they said that they saw the payment come out of the bank but it was rejected. They never notified me of this rejection and gave me this late payment. I now can not get a mortgage because of the mark on my credit and this company will not help me with this unfair solution. This had also happened On XX/XX/2019 payment Capital one had assured me that there would be no late payment reported and my account would be reported to all 3 credit bureaus as being current. 

Then On XX/XX/XXXX this same thing happaned just like what had occured in XXXX. 
and now I have a 60 day late payment on my credit reports.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

Lienholder wo n't release vehicle title. 
Lienholder : Toyota Financial Phone : XXXX Acct # XXXX XX/XX/XXXX Vehicle discharged with bankruptcy chapter XXXX ( case # XXXX ) XX/XX/XXXX Toyota Financial states title was sent to attorney. ( It was mailed to his old address. Lawyer states all of my creditors were notified of the chanprge XX/XX/XXXX. 
XX/XX/XXXX : Representative XXXX promises to mail me a lien release document to complete and present to the XXXX to get a duplicate title. 
XX/XX/XXXX : Form not received. According to XXXX the form request was denied by XXXX, who states the attorney must give verbal authorization. I 'm told by XXXX that XXXX does not have a direct line for my attorney to. XXXX had no comment when I asked why authorization was needed now when it was n't initially? But she did tell me he could fax them his authorization to XXXX ( XXXX ) Attorney : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (TX)

XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute all ftc violations sent over 45 days ago
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (NC)

For the past few years I have been working on repairing my credit. I have sent three or four disputes to equifax in order to have these accounts removed for incorrect reporting of payment information and their inability to comply with the North carolins statute of limitations for debt which is now 3 year not the standard 7-10 years. Every dispute has been denied stating that the financer in reporting information correctly and that equifax is operating under all guidelines of the FCRA when they are not. I am trying to purchase a home soon and their negligence is hindering my process.
Consumer complaint received 2020-07-07
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: EQUIFAX, INC. (NC)

The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (FL)

XX/XX/2020 {$4300.00} United Collection Bureau , Inc . 
Current Creditor XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX THE ACTIONS THAT WERE TAKEN THE ACCOUNT HAS BEEN PLACED TO UNITED COLLECTION BUREAU FOR COLLECTION AND AUTHORIZED TO OFFER A SETTLEMENT IN THE AMOUNT OF XXXX.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

A merchant refunded my purchase back to Citi Cards on XX/XX/XXXX in the amount of {$7400.00}. I requested that credit be deposited in my checking account. Citi has verified the sum, does not deny the validity of the credit, yet will NOT transfer this back to me. Numerous requests, status requests, and even closing my account has NOT resulted in an actual transfer to my checking account. They have promised transfer numerous times in 'three days ', in '10 days ', 'tomorrow '. None of their promises have been met, causing me problems.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (WI)

3 years ago and again this year I have had difficulty with cmg financial mortgage company. 
Both times the same exact story I asked to recast my loan by paying a large amount of money I send them the check They cash it A month goes by and I dont hear from them of receive paperwork to sign Money is cleared from my account I call them and get told many things like theyve sent me paperwork of I need to send them copy of check but they dont have proof my check cleared This year, I sent a check XXXX, it was cashed XX/XX/XXXX, for {$150000.00}. 
Its been well over a month, I continue to pay my mortgage, they continue to collect interest on me paying money on my loan but they have my money ... double interest? The only form of communication they allow is email which is when they decide to respond and its always Im sorry, we dont have your money. 
Its the same exact thing they did to me : years ago ... my loan was not originally thru them, they bought out my loan
Consumer complaint received 2020-05-17
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)

on or about XX/XX/2020 synchrony bank closed all of my accounts with them. i had 28 accounts, all in good standings and paid as agreed, never 1 minute late, paid more than the minimum payment due and had paid off all accounts except 9 accounts. they closed these accounts without notice! in fact i was going to use my chevron gas card and it didn't work at the pump. the screen asked me to see the cashier to process the credit card payment and was told by the cashier the account was closed. 
synchrony bank had raised my credit limit on all accounts on or about XX/XX/2020, then they closed all my accounts. the first chance i got i went online to check my credit profile and noticed all synchrony accounts closed. i started calling the synchrony accounts. i was not given any information as to why they closed these accounts. also, when paying my accounts online i was always asked if my ability to make the monthly payments had been affected by the covid 19 situation and i always responded " no ''.
Consumer complaint received 2022-10-18
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-02-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following items are reporting on my credit file incorrectly and there are some items that do not belong to me : The following that is incorrect are : 1. XXXX - This account is showing inaccurate late for XX/XX/XXXX - XX/XX/XXXX ; please provide me with proof of these inaccurate reportings are correct. 

2. XXXX  XXXX - This account is showing inaccurate late for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

3. XXXX - This account is showing inaccurate late for XXXX & XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

4. Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts does not belong to me. This is not my accounts : 1. XXXX  - This is not my account ; I never opened this account. 

2. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$0.00} 3. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$4200.00}
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit Reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2016-09-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CO)

Purchased XXXX ford truck from dealer called XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX on XX/XX/2016. Financed XXXX through Westlake Financial XXXX XXXX XXXX XXXX XXXX, Ca XXXX. Less than XXXX miles after leaving the dealership, my truck broke down and would not re-start. Dealer was notified immediately. I paid for tow to the dealership took the truck back. XXXX at the dealer said they would repair it and they had possession for two months. I drove it away and the next day ( XX/XX/2016 ) it would not start while at a job site. Two hours later it started with no problems and I drove it to XXXX XXXX XXXX. They determined XXXX in repairs needed. On top of all this, no emissions testing was ever completed by the dealer and now with these repairs needed it will not make it to the emission testing station. The dealer has agreed to work on it again but we do not trust the dealer and ask that the authorized XXXX company work on it. I purchased this as a work truck and to this date have been unable to use it at all. The finance company is aware of this problem but they say they can not do anything about it. I request that the dealer buy back this truck and refund me the expenses up to date.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (KY)

I have along history of credit excellence with an excellent credit score and no missed payments over 34 years. 
I applied for a Chase XXXX card in XXXX, a Chase XXXX Business Card in XXXX and an XXXX Rewards card in XXXX. All XXXX applications were rejected. When I called to inquire about the rejections, Chase stated that the rejection was based on having more than XXXX cards opened over a 24 month period. I pulled my credit report that showed I had XXXX cards open over two years. If I would have known this information, I would not have applied for the credit cards. In fact, all XXXX cards had offers on the for bonuses if you spend a certain amount within a stated time period. Of course, my credit score decreased because Chase pulled my credit report three times. 
Because the XXXX rule was never stated or some kind of warning as the possibility of rejection with more than XXXX cards open over two years, I believe Chase has harmed my credit score my requesting the " hard pulls '' on my credit report. If I would have know beforehand that rejections are common for XXXX cards or over, I would have not applied. The consumer is being harmed by Chase because of their unstated rules. I would like Chase to remove the XXXX hard pulls from my credit report.
Consumer complaint received 2016-08-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hi, I just opened an account with bank of america about one month ago. I had my first direct deposit come in two weeks ago. My second one just posted yesterday XX/XX/2016. I went to use my debit card and it said unauthorized usage. I called in to check and they said my account was in the process of being closed. Without any notice or anything. I had no money to pay bills or provide for my kids because I was looking forward to my money. They told me my money would be on hold until the account is closed. I do not see how can they hold my money and I 'm showing a balance of XXXX.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (AR)

I would like to state that XXXX, Experian, and XXXX is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, Experian, or XXXX written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, Experian, and XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, Experian, or XXXX wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.
Consumer complaint received 2020-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

XXXX and XXXX has not removed IQ Data Financial from my credit report. XXXX has deleted the file completely. IQ Data financial is being abusive and continually calling my phone and job, saying they were going to make my life miserable and they were going to sue me. I have show XXXX I never lived there my son did. He has contacted them also to let them know the apartment was unsafe for him and his son. I just want this case closed on my credit report. I am being harrassed constantly by IQ Data Financial. I have submitted to XXXX and XXXX to have this removed from my credit report. My son is also following the same procedures to have this removed. I have proven time and again I have never lived there.
Consumer complaint received 2020-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-17
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. (CA)

I have been disputing XXXX XXXX XXXX on my credit reports since XXXX. Each time I dispute them with Transunion, XXXX, and XXXX, they send me results that say verified. XXXX sent me results that said contact the company ( see dispute results ) and that has not done me any good in the past 2 years. As you can see that the date of status before and after says XX/XX/XXXX. In the account history on both accounts on XXXX. And under the comment section on XXXX, It shows that I have been disputing since XX/XX/XXXX. Nothing has been updated ever. Under both accounts, the Account History on XXXX, the DBR ( Date Payment received ), says XX/XX/XXXX At the bottom it shows the original amount as {$1200.00}, and the other account {$1000.00}. I have never received anything from this company before they reported this to my credit report. I don't even know the company XXXX XXXX. I have tried speaking with XXXX XXXX and they keep saying that the debt is mine and have not sent me paperwork on this debt that isn't mine. On my credit report from XXXX ( see attached ), they claim that I made payments to them on XX/XX/XXXX, in the amounts of {$120.00} and {$61.00}, and I have never sent them anything. If they reported the account in XX/XX/XXXX, how can they report a false payment on XX/XX/XXXX? Both account numbers are the same on XXXX, and it shows that I have payments of {$120.00} and {$61.00}. However, on XXXX in the account 's history, the SPA and AAP ( Scheduled payment amount and actual amount paid ) say no amount. The remarks say Placed for Collection but they are a collection agency. Payment status says in a collection as well. My Transunion is the same as well. ( see attached ) I also have attached my FICO credit report so you can see the accounts. They don't have any account numbers.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX, I agreed to a loan modification with BAC that required both trial payments and a long term 40 years mortgage. As part of the loan modification, I agreed to a balloon payment in excess of {$100000.00} that created a negative equity at my owner occupied residence. Another serious issue is that my credit is adversely affected by the negative equity caused by a 40 year mortgage with a $ XXXX balloon payment. 
I was recently denied assistance by Keep Your Home California program on the basis of a recent denial by BAC that I believe to be random, punitive and arbitrary. 
My complaints are as follows : 1. I was never provided any disclosure prior to executing a loan modification with BAC that a 40 year mortgage with a $ XXXX balloon payment would severely damage my credit for 40 years on the basis that I am ( and will continue to be ) underwater with negative equity. 
2. I was randomly denied a second loan modification and principal loan reduction after I provided my account representative, XXXX XXXX ( Customer Service MGR XXXX ) with an updated Profit and Loss that met the criteria by both BAC and California 3. On XXXX XXXX, XXXX I was instructed by XXXX XXXX to remove a cease and desist letter from my file and after I informed her that no such letter existed, she became rude, unprofessional and closed my file. 
4. After XXXX XXXX at BAC closed my file for mortgage assistance, including, but not limited to loan modification file, I was immediately informed by XXXX XXXX from Keep Your Home California " bad news that BAC had closed my file, refused to participate in her program to lower the loan principal '' and that XXXX XXXX could not give a reason and that she was also surprised, she also indicated that most of the time she has good news but not in this instance ''. 
5. On the basis of my negative equity I am being harassed by short sale agents.