davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

Bank of the West has advertised a promotion that if you open a new checking acct. and have a qualifying direct deposit and also monthly transfer to savings acct., you will get a bonus of {$100.00} and if you make 10 additional transactions within the next 2 months, you will get additional {$50.00}. I hurriedly open the acct.on XX/XX/XXXX before the XX/XX/XXXX deadline made {$250.00} direct deposits to my acct.by XX/XX/XXXX however after 1 week of acct. opening. They issued another promo stating that if you make {$250.00} deposits for 4 rolling months you will get additional {$250.00} I called up branch and they said I am no longer qualified as I am now an existing customer. 
Isn't this deceiving? Shall I close my new acct. and re-open again. 
I would like to take the {$250.00} promo instead of the {$100.00} promo as advertised.
Consumer complaint received 2020-05-14
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-07-31
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. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over XXXX  days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Due to covid I had been on a forebearance with XXXXXXXX XXXX. This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX  XXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. XXXX came and destroyed the little guy and the big mortgage company XXXX came to finish us off.
Consumer complaint received 2020-05-21
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)

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$460.00} XXXX  XXXX  XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$15.00} XXXX  XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00}
Consumer complaint received 2020-05-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A. (PA)

I am trying to get my {$250.00} loan I have been receiving and paying off for months via XXXX, but PNC is changed the verification process and now the app is not operational with PNC. However, PNC was certainly able to take the money out for the app without issue ...
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Throughout the week of XX/XX/2019 I contacted XXXX, XXXX and TransUnion about adding my phone number to my fraud alert. They all refused and further demanded I mail in my photo ID in order to accomodate my request. 

The major issue here is that the bureaus can ask consumers all sorts of personal questions to verify exactly who they are only to tell them thats not good enough, mail in more of your personal information ... ... 

All I attempted to do was add my phone number, which was removed by each bureau, so that any creditor attempting to run my credit could call my number to verify it's me!!! 

The bureaus each state just to get my photo ID into the system would take as long as 10 to 14 days. In the meantime, I'm suffering the embarrassment of two creditors placing red flags on my pending accounts as if I did something wrong because all the Bureaus demand I mail in my photo ID in order to verify who I am to simply add my phone number to the fraud alert! Really!!!!! 

Most credit bureaus have been hacked into recently with no fines to pay for allowing strangers into their platforms who now have all of my personal information. But yet they are here giving me a hard time!!! Why??? 

Fix this issue please! 


Secondly, I have previously complained of the abuses of all three bureaus, XXXX, XXXX  and TransUnion reporting a Bankruptcy on my report and demanded it be removed more than 10 times at each bureau as it does not belong to me and actually reports inaccurate information. 

In XX/XX/2019 I added a personal note stating that I have contacted XXXX to have that report frozen where no one has access to that information. However, as of XX/XX/2019 TransUnion and XXXX refuse to remove the bankruptcy item form the report and so states that it is " verified as accurate ''. 

I have previously written to each bureau and demanded their procedures for verification as well as the names of any person who walked into the bankruptcy court and requested information regarding XXXX XXXX XXXX and a Clerk, any clerk, then and there gave over any form of verification to that person to report as verified as accurate. The Clerk at the XXXX XXXX XXXX XXXX states " this court will never verify any information to any credit bureau ''!!! This information is currently reporting as a personal note on my report and still causing loss and damages to my person XXXX XXXX XXXX!!!
Consumer complaint received 2019-04-16
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: SYNCHRONY FINANCIAL (MD)

Synchrony Bank/XXXX closed my account for my credit card for no reason, reasons I believe are predatory and unfair for all consumers. I have had this credit card for only 5 months. I paid it on time each month IN FULL. I have never held a balance. I went to XXXX XXXX and come to find out my card was closed for no reason. I had recently bought a car because I was in a severe accident. I can not believe my account was closed without warrant. What makes the matter worse is there was no communication, either by phone ; email or USPS advising me of my cards status. 

I am beyond disappointed that someone can make payments on time and use the card responsibly and a company can be so predatory in its lending practices that they close the account because my score dropped a few points. I understand they can probably close an account at any time, however, why do so if the open account does not harm your bottom line and there is no negative information on the established account to otherwise warrant a closing of an account? It makes you wonder what kickback is Synchrony Bank getting out of the initial account opening, that they would close an account only 3-4 months later? An account that has established positive everything? WITHOUT even considering the positive account history and on time payments. Not only does this affect ones utilization ratio, which influences my score, Synchrony Bank has now closed a newly established account causing even more of a negative impact to my credit rating. In addition, after they closed the account after 3 months, they are still reporting information to all credit bureaus on my behalf and have a derogatory remark, Closed by grantor I want my account restored and credit repaired. Any corporation, who misuses consumers trust to maintain its business, shouldnt be allowed to operate and continue to practice predatory lending. They too should be held to the same fair lending practices as any other bank.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NJ)

Good afternoon, my account was blocked at first. Never had the chance to use. Ive been trying to reach the bank for over two weeks. On the phone for hours. Today finally I got to talk to someone in maintenance team. She and her supervisor took a half hour to review the account. Once she got back she told me they couldnt service me anymore because of the check they had voided which is not % 100 my fault. Now the account as a positive balance they went ahead and close with the only balance I have to get something to eat and gas. It was XXXX from my dad and my brother straight to the account. They werent being nice and theyre no help whatsoever. Im very dissatisfied with there service. Maintenance team was really telling me there are no money in the account that I was looking at. Thats why I was on the phone for an XX/XX/12 for this treatment.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

I have a loan with XXXX XXXX, BRNDSRC/CBNA and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, BRNDSRC/CBNA and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MI)

When I had to do some electrical work at my house, the electrician I worked with offered a no interest loan/credit card for 18 months. I use both descriptors because I'm not sure what it was and it's reporting all different information on my credit report. 

Originally I was told it was a line of credit for $ 12000+. The purchase was only $ 9,000+. The payment due each month was originally {$270.00}. This has been very confusing for the following reasons : 1 ) I  originally thought this was a home improvement line of credit, however, I never received a card from Synchrony. When I requested a card, about 9 months after opening the account, I discovered I could not use the credit card anywhere because it was actually a store credit card. This was never disclosed nor would I have known until I received the card. 

2 ) My payment due has changed from {$270.00} to {$230.00} without any explanation. 

3 ) I have late payments showing on my account. There was a time I had lost my job and stopped making payments HOWEVER at this point I had made {$6000.00} in payments whereas just using making the normal payment I would have owed {$2700.00} so I have far out paid what I agreed to this point. 

4 ) Even though I have over paid, I still had to pay late payment fees on the card amounting to over {$100.00}.
Consumer complaint received 2019-04-16
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XX/XX/2018, Capital One sold my mortgage and my HELOC to two different loan servicing companies. In XXXX, I received 1098 tax forms from both loan servicing companies. However, these only reflect one month 's worth of interest payments. Capital One has not provided XXXX forms for the 11 months that they were my  loan service provider. I looked online for my tax forms and they were not available. I called Capital One customer service and they said that " Capital One has chosen to exit the mortgage loan servicing business '' ( yes, I knew that already ). They said that I could write to the former address to which my loan payments were sent but they expressed doubt that they were required to send me any tax forms. I can not seem to find a human at Capital One who thinks it is their job to send me the tax forms that are required..
Consumer complaint received 2019-03-25
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. (TX)

Equifax thank you for responding to the CFPB response case XXXX by stating you will not respond because I never get a written response when you state you will mail one to CFPB. I give you permission, any way you and Experian still report this alleged account accounts resolution serv. on my credit report and I have contacted all parties Accounts resolution, XXXX of TX, even the alleged hospital XXXX XXXX NO one will respond to my request not one company this is fraud even the balance changed enclosed are documents that accounts resolution XXXX of tx, XXXX XXXX all have faulted on the information sent through the CFPB as a matter of record remove this alleged account. AND NO IM not a Credit repair person. be advised that one of these companies as or is under investigation for fraud by Attny GEN Office for billing { fraud } example alleged billing went from XXXX dollars to around 250 dollars now over 1500 dollars all documented in case file just what ATTNY GEN is after PLUS the HIPP violation Account Resolution has committed<alleged debt bal increase out of the blue>
Consumer complaint received 2019-12-19
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. (GA)

I have been trying to dispute these items on my own with the companies but i havent had any success.Please delete and block these two accounts for my credit report : XXXX XXXX XXXX {$3400.00} XXXX XXXX {$1200.00}
Consumer complaint received 2020-05-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

Contacted by Rocket Mortgage about refinancing my home for a lower interest rate. So i agreed, it started to become a nightmare because they kept checking my credit and my score went down 47 points. I cancelled the refinance and indicated the reason why and asked them to stop checking my credit due to the issue it was causing, they ignored my request and continued to check my credit driving the score even lower. I've emailed them asking them to remove the inquires and was ignored. 

XXXX
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ARVEST BANK GROUP, INC. (DE)

I have a loan with XXXX and ARVCNTRLMTG. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and ARVCNTRLMTG with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union allowed an account to be opened in my name without my permission by someone who stole my information. The account was opened using my Access number and my correct personal information that was obtained as a result of identity theft. I have personally gone into a Navy Federal branch multiple times and explained that the account they are reporting against me and have now sent to a 3rd party collection agency was as a result of identity theft. I have also provided Navy Federal a written notification that I disputed the debt as fraud and told them that the account they are reporting against me is fraudulent, and I also provided them a recent police report. Even after dealing directly with Navy Federal they not only refused to remove the fraudulent account out of my name, they took the account and immediately sent it to a 3rd party collection agency when they plainly were told the account was fraud. This is not my account and I did not open the account and I did not provide my information to anyone else to open an account in my name, however Navy Federal refuses to act in a reasonable manner and have violated the FCRA by sending an account disputed directly with them as fraud to a 3rd party collection agency.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing because I would like your help in enforcing my request to the 3 credit bureaus who have refused, despite my multiple requests, to remove inaccurate names and inaccurate addresses from my credit report. I have specifically stated that they put me at risk for ID theft as a result of these multiple entries on my credit report and yet they failed in honoring my request and hence maintaining the integrity of my credit file.
Consumer complaint received 2019-01-02
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2018, I sent a request for verification of late payments being reported on my credit report. On XX/XX/2018, they sent back a letter saying that they verified the account as accurate BUT did not sent any verification documents. They also did not mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.