davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (FL)

RECIEVED A PROMOTIONAL OFFER OF 0 % ON PURCHASES OVER {$490.00} ON FIRST BANKCARD - XXXX CREDIT CARD FOR 6 MONTHS ( I AM AN EXISTING CARD MEMBER FOR MANY YEARS ). WHEN MAKING A PAYMENT THEY WILL NOT PUT ANY EXCESS TO THE PROMOTION THEY WILL ONLY PAY THE INTEREST BEARING CHARGES FIRST AND WHEN THE STATEMENT COMES OUT TO PAY OFF THEY WILL NOT ALLOCATE THE PAYMENT TO PAY IT OFF IF THERE ARE CHARGES APPLIED AFTER THE STATEMENT CUTOFF DATE. A CONSUMER WILL NEVER PAY OFF THE PROMOTION BEFORE THE EXPIRATION DATE AND THEREFORE THE INTEREST WILL BE CHARGED. IT IS A BAIT AND SWITCH PROMTION ON THE CARD. I WILL BE PAYING THE ACCOUNT OFF BEFORE THE PROMOTION EXPIRES AND CANCELLING THE CARD. FOR OTHER CONSUMERS THEY WILL HAVE A HARD TIME PAYING THIS CARD OFF AND MAKING USE OF THE 0 % PROMOTIONS THEY OFFER. THIS IS EXTREMELY BAD BUSINESS AND A FRAUD ON THEIR PROMOTIONS.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have tried to submit numerous disputes with XXXXXX/XX/XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit, Inc (CA)

I have contacted Volkswagen Credit Multiple times via phone and written correspondence. VW Credit has failed to acknowledge my dispute and failed to forward a response to my dispute. However when I dispute the account directly with the credit bureaus VW Credit seems to always respond within the 30 day window to keep the negative information on my credit report. 

at this time I would like VW Credit to respond to tell me why this information must remain or remove all the negative information as i have requested.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I had an account with " MOR furniture for less '' that was paid off in full in XXXX. The payment posted to the account on XX/XX/XX/XX/XXXX and the account now has aXX/XX/XXXX balance. As of XX/XX/ MOR is still reporting a balance of {$3200.00} owed to all three credit bureaus. The account is PAID OFF, and has a {$0.00} balance. I have attempted to contact them to get them to report the accurate account balance to all three bureaus but have been unsuccessful.
Consumer complaint received 2022-06-15
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

XX/XX/XXXX I noticed a hold on my account for {$1800.00} I contacted XXXX SUNTRUST asking why was this taken out of my account. I was informed it was due to a returned check on my daughters account. I informed them that she was not on my account why are you debiting my account for her debt on a different account. I informed them that account was opened SIX years ago when she was a minor. She is now XXXX and they should contact her to collect the amount owed as they always had done. Fast forward to XX/XX/XXXX. My account was again debited this time for {$1700.00} I contacted XXXX SUNTRUST again asking why was there a hold on my account again. I was told it was for my daughters closed account. I informed them I would be filing a formal complaint because you are taking money I don't even owe you this is not my debt. They then placed another hold on my account for another {$1700.00} on XX/XX/XXXX. XX/XX/XXXX I went to the SUNTRUST branch bank located at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and spoke to the bank manger Mr. XX/XX/XXXX. He contacted the Recovery Team they released the third hold just to turn around an place another hold on my account today for {$470.00}. At this point my account has had been debited {$5900.00} for an account and a check I had absolutely NOTHING to do with.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (PA)

Initially started beginning of XXXX after I finally received my replacement card. After a few days it was locked and I cant withdraw or pay any Bill 's. It's now XXXX and things are only getting harder please unlock my reliacard it's my money. Sent countless faxes that abide the requirements. This is outrageous! Even signed up to twitter in order to speak with a rep there and they told me if I upload my docs and a selfie through a link it would be resolved in 48hrs it's going on 4 days now since.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint due to erroneous and conflicting reporting of my XXXX funding account and citizen XXXX account on XXXX separate credit bureau reports, which impacts my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX is stated as closed on XXXX, yet opened on trans union and experian and citizens XXXX account is stated as closed on XXXX but opened on trans union and XXXX. This inconsistency not only confuses creditors but also adversely impacts my credit score, resulting in financial harm. Attached is documentation of these disputes and the differing reports. 

Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Case law, including Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), underscores the duty of credit reporting agencies to verify disputed information with a higher level of care. Failure to correct discrepancies after notice constitutes a breach of this duty. Furthermore, Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), highlights the adverse effects that inaccurate information can have on an individuals creditworthiness and underscores the necessity of accurate reporting. 

This discrepancy amounts to a violation of my rights under the FCRA and causes me undue financial harm. In addition to conflicting reports, the persistence of inaccurate information could mislead prospective creditors and damage my credit profile.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (MA)

Dear Madam or SIr, I did not ask US BANK credit card. I never had any account or business with US Bank I did not receive any credit card in my address XXXX XXXX XXXX XXXX MA XXXX I have been charged in my bank account at XXXX XXXX XXXX in $ {$36.00} for 3 months I asked my manager to block it I have been trying to talk with US BANK, but I am XXXX XXXX XXXX, and I am in XXXX due to pandemia I can not go now to the US I need to know who is using my identity and asking a credit card in my name and XXXX XXXX XXXX is charging me - ID XXXX My email is XXXX Att XXXX XXXX
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (LA)

This company stating they were American Express has repeatedly called me 4 to 5 time a day after numerous times I have asked them to stop. It continues to get worse as now they have been calling me where it appears that it is coming from my old home phone number ( which is a disconnected number ) XXXX. These calls were made on the following date XX/XX/XXXX at XXXX ( there may have been more but this is the one I have record of ) Additionally, I have repeatedly told the company I can not pay as my husband is sick ( with XXXX ) and has to repeatedly check in with me throughout the day and I have to pay his medical bills. After I shared that information they called me and made it look like it was coming from his cell phone. I had to leave work in the middle of teaching a class and answer thinking something was wrong and it turned out to be the debt collector. This was done several times on the following dates : XX/XX/XXXX at XXXX I was so shocked I asked them how in the world could they make it look like they were calling me from my XXXX XXXX XXXX  number and they told me that the " computer did it '' I told them to NEVER do this again explaining the XXXX it puts on me and I thought something was wrong with my husband. They then called me again on XX/XX/XXXX at XXXX XXXX. I asked again to please stop calling as my husband. Then they called again but I can't remember the exact date but should be in their system. 

Turns out the company name is not American Express but it is XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX. 

These repeated harassing and deceptive calls from the company should not be allowed and are causing me and my family a lot of XXXX which I do not need with my XXXX XXXX XXXX XXXX. We are trying to make ends meet and I have shared that numerous times while asking them to please stop calling but it only got worse and more deceptive. I have a phone recording of this if needed.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (MN)

XXXX XXXX XXXX were transferred in XXXX to Commenity Bank. I had the wrong address on the payment that I sent in for XXXX, and it was returned. I re-issued a new payment, and it cleared my account on XX/XX/XXXX for {$200.00}. That was more than my minimum balance for XXXX, XXXX, and XXXX. Then I issued another check in XXXX, and that cleared on the XXXX for {$240.00}. This was also more than enough for the monthly balance. I have sent at least seven letters, and spoken to multiple people at Commenity Bank and XXXX stating that due to the large payments that they are not reporting these as late payments. I haven't had late payments, and my credit report history is great. In XXXX, when I purchased a vehicle it was XXXX. Now with this, we are unable to refinance our home, because it is showing negative payments on my credit report history. I need this taken off of my credit report immediately, because with everything going on we are worried we are going to lose our jobs. We have to refinance so the payments are more affordable, even if one of us lose our jobs. I need help, and have been waiting for months. 
XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX. XXXX XXXX XXXX, DE. XXXX
Consumer complaint received 2021-02-28
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. ()

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XX/XX/XXXX XXXX, XX/XX/, XXXX & XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XX/XX/XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XX/XX/XX/XX/XXXX XXXX XXXXXX/XX/XXXX All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WA)

We were financed thru loan depot, then we refinanced thru XXXX XXXX they paid off our home loan at loan depot on XX/XX/2020. Then loan depot put a late payment in XXXX on our credit report for XXXX. Now We have that on our credit report for late payment witch never happened. Then we also bought a car which in turn made us have to have a higher interest rate.. They need to take that off our credit report and give us a letter to take to our bank to fix the interest rate on the car. Please contact me Because they never will several times tried left on hold for 30 to 45 mins then disconnects Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (KY)

To whom it may concern : I have tried to work with my mortgage company and after failing to respond they denied my request for help because they placed a foreclosure sale date. I offered them a down payment for over half of what I was due after I file bk to stop the foreclosure sale date. Now they are refusing to give any updates. I don't have an attorney and I am trying to do everything I can to work with them. My counselor XXXX XXXX has also reached out to the current single point of contact XXXX XXXX. She has denied to communicate. We have advised them several times that there is no foreclosure attorney.
Consumer complaint received 2020-11-24
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: U.S. BANCORP (FL)

My name is XXXX XXXX XXXX and I am trying to purchase a home. 
On my credit is showing a collection open reported on XX/XX/XXXX in the amount of {$73.00} from US Bank that was a car lease that ended and I took another car with the same institution. It seems that calculating the pay-off it was a balance due of {$73.00} Dollars that I was not told or even advise in writing. I have another car finance with US Bank since XX/XX/XXXX and never have miss a payment to this date. 
I intend to correct this problem with them but to no avail. 
Account number reported # XXXX. I have requested a letter that this account reported on my credit report as a derogatory account on XX/XX/XXXX is wrong and that has been paid but no help from this institution. 
I am trying to purchase a home and XXXX XXXX keep declining my file for the wrong information entered. This is an abuse of power and also discrimination. I need this to be deleted from my credit history since I also have tried with the three credit bureaus and also to no avail. So I pray and hope that this complaint will be my solution to this empty road.
Consumer complaint received 2021-02-24
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2020-11-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX  XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. 
Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. 

Also, There was an incorrect charge of {$3100.00} added to my Wells Fargo account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( XXXX ) XXXX.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc. (HI)

I keep receiving calls from Access Receivables Management in regards to a cable bill debt that is not mine. I have tried talking to them but they do not seem to want to hear it nor will they remove me from their robocall list. 
The acct # they are after XXXX The phone number they leave XXXX XXXX XXXX XXXX The phone number they call from XXXX XXXX XXXX XXXX Thank you for your time.