davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: MECHANICS BANK (CA)

In accordance with the fair credit reporting act mechanics mechanic bank has violated my rights as a consumer account number is XXXX  15 U.S.C. 1681 SECTION 602 A. States I have a right to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-19
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

On XX/XX/XXXX I called MyXXXX  card to report that my card had been damaged. I specifically stated that my card was NOT lost and had never been out of my possession and I needed a duplicate card sent. I made sure to let the representative know before that my direct deposit would be coming there and I did not want to cancel the card if that is what they had to do because it would leave me without access to my money for 14 business days. She assured me it wouldn't and that a replacement would be sent out. I followed up on XX/XX/XXXX because I had not received the duplicate card and I was informed that the card was reported LOST not damaged and I would now have to wait for a new card with no access. I asked to speak to a supervisor and was transferred. The supervisor advised that he could send out a card overnight to me that day. I asked specifically if the card would go out the next day because now I have no gas and no way to get to work. He advised that it would. He lied because I chatted by the app this morning and the representative lied and said the card wasn't even processed to go out until tomorrow. I called and requested a supervisor and He said that the card had been processed today and would go out in 1-2 business days, which is not overnight. They had repeatedly given wrong information when had I known the correct timeframes, I could have done an ACH transfer of my funds to another card to at least have gas money and food. They have done this deliberately by giving knowingly false information. The first supervisor neglected to tell me that I had called past the cutoff time of XXXX XXXX for the card to go out that day. Had he given me the correct information I could have initiated an ACH transfer out and I would have had money in my credit union account at least by Friday morning and only miss one day of work. As it stands, I will miss four days of work.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as Im trying to start a new job that these issues are making more difficult than it should be.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as Im trying to start a new job that these issues are making more difficult than it should be.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (IL)

I disputed items off my credit report with no response over 60days ago. Iwas XXXX when these things occured on my credit report. i sent letter stating that. 


XXXX XXXXXXXX XXXX  XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was in XXXX XXXX  in XX/XX/XXXX for a trip. During this time I lost my Cellphone in a XXXX. 

I had 4 fraud charges on my bank account that I did not recognize. These were XXXX XXXX payments that I did not authorize. They were also sent to two random numbers that I have no association with. 

I filed a claim on XX/XX/XXXX with capital one with the total amount of {$1000.00}. I was told they would get back to me asap. 45 days later with no response from text, email, or mail. 

I called back in today XX/XX/XXXX. They told me the fraud charges were denied and that theres nothing they could do. 

I have a been a capital one banking customer for over 10 years and I was never notified about my claim being denied. 

I lost my phone and I did not authorize any of these transactions! This is truly ridiculous and I need help to get my Money back. 

Please help!
Consumer complaint received 2023-01-19
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: BARCLAYS BANK DELAWARE (RI)

XXXX - XXXX XXXX- {$6000.00} The above charge was found on my credit card after an audit. I reported this charge to XXXX XXXX XXXX XXXX as soon as I found it. I've reached out to the merchant, and have not received any response. After reporting this charge I received a letter from XXXX declining my claim for fraud, stating that I had made payments on my credit card with my debit card, so it was not fraud. I don't understand how I am being penalized for paying my credit card on time, as I always do. I called back to explain to the representative that this is unacceptable and I need a resolution. I noticed this charge after I had an audit, which is why I continued to pay my credit card on time, they claimed to understand where I was coming from. I re-opened the fraud investigation, only to receive the same letter denying my claim, due to me paying. I spent hours on the phone, not on one occasion, but two and nothing has been resolved.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (MD)

Lender illegally threatening to repo vehicle during COVID-19 Pandemic ( I live in the state of MD and we are still under a State of Emergency. I lost my job on XX/XX/2020 and have explained this to the Lender multiple times. I am familiar with their scheme. When you don't answer at least three of their phone calls they send the repo letter. However, as indicated, we are still under a State of Emergency and at the time the Lender sent the letter I was only 35-45 days late and had been in FULL communication with them of my situatuion. I am currently only receiving {$170.00} in unemployment per week with a mortgage of {$1600.00} and other utilities. I am doing the best that I can with the meager savings that I did have prior to the pandemic ).
Consumer complaint received 2020-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (TX)

I have constantly been in communication with the company about what day I would be making my payment but they keep calling me and my job harassing me stating that they will not be able to hold the loan. For my XX/XX/2020 payment, I explained to several of the reps that I would be making the payment on XX/XX/XXXX. However, each rudely told me that that was not acceptable and they could not notate my acct unless I came in person and sought out other avenues. The reps continued to call harassing me and my job up until Thursday, XX/XX/XXXX. I told the rep on that day that since they could not respect and honor my commitment to make my payment on the XXXX, that I will not be making the payment on the XXXX due to the harassment. I even spoke with the manager XXXX and the same rude unprofessional comment ensued. She states that they do not accept and honor scheduled payment dates over the phone. I told her that I will make the past due payment on XX/XX/XXXX and if they continued to harass me up until that point, I will continue to withhold payment. This is a ruthless, unprofessional group of sharks that are out for blood and is not willing to respect their customers and the dates that they are able to pay. They continue to call and harass, which is unacceptable. I do not ignore their calls and when I say I'm going to pay. I want the constant harassment to STOP!!!!
Consumer complaint received 2020-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OH)

I have been a victim of ID theft. On XXXX I contacted CITIBANK that someone fraudulently took out {$1500.00} from my savings account and opened a checking account and requested an ATM. We notified the bank and they said that account is now frozen and that money is safe. We learned that this was NOT true. It appears thief processed an unauthorized ACH which was not done by me. I told bank to close the fraudulently open checking account and put funds back into savings account and to close account and to send me a check for all my funds. To date they keep opening and closing cases, I have 4 so far, and they have NOT sent me my money for the full amount I am owed.Please help in getting my money. I have at least 100 hours of phone calls to date. I keep getting transferred to XXXX and then request US rep but they do nothing or hang up.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-07-03
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: BARCLAYS BANK DELAWARE (CA)

My identity was stolen and several accounts were opened fraudulently under my name. My checking account was compromised and money was taken. Ive had to close and open new bank accounts. Ive requested that these accounts be removed from my credit report and I have been unable to have this request fulfilled. 

For example Barclays of Delaware is reporting a account that is not mine on all 3 of my credit reports. 

For example I have disputed this with the credit reporting agencies and they advise that the creditor states the information is verified but neither the credit reporting agency or the creditor will provide any information other than saying they have verified the account. 

I have disputed this several times with the credit reporting agencies and have received no actual data to verify this or other accounts that were opened without my knowledge. Every dispute is closed stating the creditor verified the information but I receive absolutely no documents to prove this is my account. I will be suing soon.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have received a letter from XXXX XXXX saying that a credit card for {$3000.00} was opened in my name and home address. The email and phone number linked to the account did not belong to me. I tried to call their customer support, but only a robot would respond and ask me to provide a phone number linked to the account I did not know which phone they used to open the account. In the end, I found a wrong phone number added to my credit report, and called XXXX XXXX again, and asked the robot to close the account. The robot told me that someone has already purchased something for more than {$2900.00} via XXXX transactions. I still can not get any representative from XXXX XXXX to answer my call. I have frozen all my credit reports on the XXXX credit bureaus, filed a police report and a report with FTC.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Purchased a new vehicle thru XXXX XXXX XXXX. Agreed to finance thru XXXX XXXX. Approved by XXXX and took delivery. 

Four days later, received a letter from Capital One saying we were turned down for loan. We never asked to apply to Capital One. Dealer never mentioned Capital One or that they were going to apply. Never signed a credit application for Capital One. 

This hard inquiry will negitively impact my credit score. I never requested a loan from Capital One.
Consumer complaint received 2023-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

On or around XX/XX/XXXX I spoke to XXXX in the Mortgage Customer Services ( she refused to give her last name and i.d . ) and learned that the payments were not processed from my joint checking account, upon checking the account I learned due to processing fee for NSF the account was short. I gave my second bank account number along with the routing number after making the missed payment to XXXX. After, giving her my XXXX XXXX 's account number I changed my payment of HELOC to take out auto pay from XXXX XXXX Bank 's account. I explained this situation to the representative and told her that I changed my payment information on XX/XX/XXXX to move forward with processing from XXXX XXXX account and the representative said they don't have any information then I told her that check the recorded records of the conversation she then transferred me to another department and when I asked their names they refused to give me. I then informed the supervisor that I gave them my XXXX XXXX Banks information he said the recording does not have that information and I am wondering when the user calls the Bank it says your voice and conversation is being recorded and how come they don't have that information. 

In the month of XX/XX/XXXX I came across a missed payment letter along with penalties interest and fines and this resulted in the credit rating and again on XX/XX/XXXX I processed my HELOC payment with fines. 

The Bank of the West ignored and overlooked with their negligence the payment information and kept charging me multiple fines on my personal joint checking account and again on my HELOC account.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

Aidvantage, a subsidiary of XXXX  continues to send me bills and payment reminders for federal student loans that were consolidated and now serviced by XXXX. When I try to close the Aidvantage account, change email settings, alter my account information, I cant find any way to do soeven logging into the Aidvantage account, it says {$0.00} balance due because of consolidationbut the emails I keep getting are saying that I should still owe Aidvantage a XXXX  XXXX payment monthly and have a big pay now link for me to enter credit card or bank information and submit money. I believe this is a scam to take advantage of borrowers now that the payments have resumed, as I am no longer a customer of XXXX  or Aidvantage.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was attacked by an ex brother and his friend. During the attack the stole my wallet and cell phone.On XX/XX/XXXX I was XXXX and had my sister call the bank to lock my card they wouldnt let her. On XX/XX/XXXX we called Capital one again to file a dispute after seeing multiple purchases on the account. The bank declined the dispute without asking for any documentation. However I reopened the dispute and sent in my XXXX XXXX letter and a copy of the police report. They made me wait over 3 weeks just to come back with the same decision, stating declined. The charges on the account they said are regular purchases however I provided proof I was XXXX on the dates the purchases were made and a police report proving I was attacked. I am now homeless not being able to have visitation with my kids due to the negligence of Capital one. If they wouldve allowed my sister to lock my account while I was unconscious, having multiple ct scans and mris then none of this fraud wouldve happened.
Consumer complaint received 2020-08-25
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: Bread Financial Holdings, Inc. (CT)

An item arrived late and damaged, purchased from XXXX XXXX, card issued by Comenity Bank, complaints filed directly against the merchant in regard to late arrival and damage, remains unresolved. I have copied below the complaint filed against XXXX XXXX XXXXor Comenity Bank reference. Images of damage were attached via secure message through XXXX XXXX  website, their rep requested more photos which I do not have. I would like to dispute the purchase due to late arrival and damage, if possible.. The purchase was made on XX/XX/XXXX in the amount of {$850.00}, a XXXXXXXX XXXX XXXX. The damages include scratches and while they are cosmetic in nature, may lead to the unit later cracking and loss of use. I informed their rep of late arrival, did not seem to care my time was wasted when I was not moved into the address at the time, did not care to address it ... Complaint is copied below.. 
Order XXXX showed scheduled to arrive between XXXX and XXXX XXXX on XX/XX/XXXX I believe, do not have tacking number or information available to me at this time. As I explained to several reps on XX/XX/XXXX as well as on XX/XX/XXXX, XX/XX/XXXX, I was in the process of moving to my address currently, not fully living there. Needless to say, I had to make a trip back to the address on XX/XX/XXXX at XXXX, waited until XXXX and no one showed up or called me.. I called the following day, on XX/XX/XXXX, was given the number to the driver whom I had trouble reaching, had to call several times and sent several texts before reaching him, only to be told delivery would be later between XXXX and XXXX XXXX ... Needless to say, I had to make another trip to address for delivery around XXXX at night.. After moving in on XX/XX/XXXX, I discovered the glass burner has several scratches on it, I called in same day and rep would not address late delivery/poor service issue ... She supposedly opened a claim for damage and emailed me claim number to upload pictures of damage, no email received as of yet ... As you can see, the service with this company is very poor to say the least and their XXXX score of 3.8 shows it, they seem to have a decent number of negative reviews.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I requested TD to removed the forbearance status of my mortgage loan. I brought my account up to date on middle of XXXX. Account was placed in forbearance status because the hardship I was facing becase of Covid-19. 
On same day XX/XX/XXXX, I was informed by a TD Bank representative the account would be removed from the forbearance status after I make the first payment on XXXX. I did it. 

Arbitrarily TD Bank place my account in forbearance until XX/XX/XXXX. Let 's be clear the account is up to date. 

I decide to reach out to XXXX XXXX  since they are the ones who has the mortgage. I was assigned a case number and they are escalating the case to XXXX because TD Bank can not refuse to remove the forbearance of my account, when I am up to date with my payments. 

Account was placed in Forbearance on XXXX paid in full on middle of XXXX. On XX/XX/XXXX request was made to be removed from the forbearance status. Still, TD Bank is refusing to change the status. 

I have emails to prove it, but I couldn't up loaded because of the size allowed.
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (OK)

My ex husband opened and charged a phone plan through XXXX in my name-this was around XX/XX/XXXX. I was not notified, or didnt receive notification that this account was charged off until after divorcing him, around XX/XX/XXXX. I had disputed this with XXXX and cited the above statement, but didnt hear anything further regarding the matter, negative or positive. 

2 weeks ago, I opened a new credit line. As a result, I received a letter from a 3rd party ( Convergent ) today stating that the debt still hasnt been paid but theyd settle for {$1000.00} This debt is 8+ years old and shouldve been removed already, much less the debt was created illegally anyway.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Two accounts are still on my credit history after contacting the credit bureau. They have the incorrect status and account balances. 

XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX