davidheineman/consumer-finance-complaints-large huggingface dataset:
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: U.S. BANCORP (NV)

Dear US Bank : I am contacting you regarding a 30-day derogatory mark from XX/XX/2020 that appears on my three credit bureaus. 
I dispute these 30 day lates and demand a full removal of the 30-day late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. 
Prior to the missed payments I attempted to contact US Bank regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F  ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... 
It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. 
..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. 
The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 )  outbreak
Consumer complaint received 2021-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LEXISNEXIS (IN)

Debt was discharged in bankruptcy and is still impacting my consumer report negatively. I wrote the U.S. Bankruptcy courts in Illinois and Indiana and both informed me that they DO NOT provide any information to ANY reporting agency. I've also contacted Lexis/Nexis informing them of the violations under 15 USC 1681 . Please remove and/or delete these bankruptcies from my consumer report for they are a defamation to my character and preventing me to live life as a consumer of the United States XXXX
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MI)

In XX/XX/2020 I made my usual payment to US Bank with my first bank account, using auto pay, which went through. At the same time I also made an extra payment from my second bank account when went through. At that time I switched my auto pay to my second bank account. In XX/XX/2020, I made my normal payment through my first account since, I had changed the accounts during the billing period. When my payment changed to my second account, the credit company 's system added XXXX zeros to the front of my account which caused my back to reject the payment. I was charged a late fee which was reversed after the error was discovered. Because of this XXXX missed payment, the credit company reduced my credit limit from {$2000.00} to {$700.00}. This, as stated in their letter, was because of my " payment history ''. I have been with this company for several years and have never had a late payment. I always pay more than my minimum payment and make extra payments above my normal payments. The credit company verified that it was a mistake on their part but says I have to request a credit increase to possibly have my limit restored. I spoke with the underwriters who told me that because I don't carry a full balance on my card, pay above my minimum payments, and make extra payments that my payment history makes them feel " uncomfortable '' with my credit worthiness. So because of the credit limit reduction, which impacted my credit score, and my only option to regain my credit limit would require a hard inquiry on my credit, again impacting my credit score, and the refusal of the credit company to correct their error, I have been has penalized XXXX times for their error. Is there anything I can do to have this corrected?
Consumer complaint received 2021-03-19
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (NJ)

I have filed a complaint on ALLY AUTO twice they are repeatedly flagging my credit file with already reported information which is basically on record renewing a previously reported event Also I have a voluntary surrender on file and they are reporting me late as a new event I would think this safe to assume they want to ensure that my credit REMAINS tarnished
Consumer complaint received 2022-09-20
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. (MD)

This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. 

In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. 

Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 

On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the three credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused XXXX report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold CitibankXXXX accountable. 

I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Consumer complaint received 2021-03-30
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. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the XXXX you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2020 XX/XX/2020 I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I've made over 20 calls to their customer service and I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. Especially during the pandemic, I can not afford to have my Stimulus check sitting in an account for 180 days because PayPal says so, and no other reason. My email linked to my PayPal is XXXX.
Consumer complaint received 2020-07-04
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 (UT)

I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Cap1/wmt XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

I recently filed for verification of a debt to a Company by the name of Hunter Warfield , INC . The Company did not proved valid information that a debt was owed on my behalf. The company sent me copy of a lease with itemized charges, and the Company did not have any validating signatures from the creditor. I do not have any signed contracts or agreements with this company for a debt they claim that I owe. This account is effecting me negatively on all credit reporting agencies.
Consumer complaint received 2021-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

A loss was incurred through the occurrence of a minor accident on XXXX which caused the damage of a rea fender of a XXXX XXXX XXXX ( XXXX XXXX  ). As at the time of the accident, the damaged fender was still attached to the rear of the car, and this was the singular damage to the car. At the point of the accident, the car was drivable, and the fender was reasonably intact. I agreed to pay for the repairs, but my overture was severely rebuffed. 
Subsequently, I received a letter from the other parties insurance- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX making a claim in the total sum of $ XXXX enable a response from an informed point of view, I took the initiative of finding out the cost of a brand new fender and was shocked to know that it costs less than {$200.00}. 
Upon this astounding discovery, I requested for details of the invoice, the body shop telephone number and other details to verify this claim in my response dated XXXX XXXX XXXX, but rather than providing me with all the crucial details, I received a phone call from AFNI ( A Collection Agency ) Subrogation Officer threatening me that I have no right or privilege to ask for these details and informing me that I could lose my driving privileges and that my alleged debt would go on my credit report. 
I disputed this claim and insisted that I needed more details of this expenses to enable me verify. But to my shock, I received another letter dated XXXX, XXXX, increasing the alleged claim from AFNI to the sum of {$2.00}, XXXX, which is contradictory to the first letter from the insurance company. 
Subsequently, I received several phone calls during which several threats were issued by AFNI personnel and a letter stating outrageous estimates, without phone numbers, addresses or invoices of the amount incurred which in effect prevented me from checking the validity of any claim whatsoever. In the same call, they agreed to accept {$2400.00} only if I made the payment over the phone, if not, that they would come after me for {$2900.00}. This is proof that the added {$500.00} is wrongful.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

Applied for a Chase co-branded card ( Chase Marriott XXXX Card ) and received a confirmation email on XX/XX/XXXX stating the signup offer was 3 nights, each up to XXXX point plus platinum status through XX/XX/XXXX. Upon meeting the spending requirement, the bonus received was 3 nights, each up to XXXX points. After five months of communication with Chase, they finally agreed to honor the free nights at XXXX points/night but refused to honor the platinum status at Marriott. These difficulties have set travel plans back and taken lots of time and energy on numerous phone calls.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Out of all the three Credit Bureau Equifax continues to report incorrect information on my credit report and lowers my credit score by 100 points from the other reporting bureau. 
Example as of XX/XX/2021 I had a credit score of XXXX and 8 months later that have drop my credit score down to a XXXX. 
I have excellent payment history with all of my active creditors with no late Payments. I have dispute several times accounts thats does not belong to me or should not be on my credit report. They have on my account address and states on my account that I have never lived at in my life. They also us a thirty party company by the name of XXXX XXXX to verify and report information on your credit report. 
Neither of these company actually verify your dispute by contacting the creditor by phone or email and have a full name, Position title and date time they spoke with someone to verify the dispute. They use a computer data base to determine if the debit belongs to you. They report wrong balances and late payments and old accounts that should be on your credit report. 
Equifax has had their data hacked by hackers and stole personal information which means their data base is not protected by the black-web and hackers. With the country highest crime on the web-site with hackers Equifax is not a creditable reporting agency.
Consumer complaint received 2021-10-31
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. (CA)

This is a complaint against the rip off companies Equifax, XXXX and XXXX. It is ridiculous that I have sent 2 letters on XX/XX/21 and XX/XX/21 and still have not received notice that a investigation has even started nor have I gotten any resolution! In my letters it details my disputes about the falsely inaccurate accounts on my Credit report that have been reported by these companies. The negligence I have experienced as a consumer isn't right and I just want to be treated fairly as the FCRA laws permit me to, I come to the CFPB as I need help to be properly addressed in my dispute and not ignored for almost 6 months. 

I want original documentation to be provided by these companies to support their claim to be supposedly reporting accurate Information. Failure to do so should result in deletion of the accounts and false late payments found on my report. Failure to mark these accounts " in dispute '' on my credit report is a FCRA violation along with not responding after 30 - 45 days is ground to have these accounts removed alone! I will sue if I am taking Advantage of further!
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of XXXX. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have tried to resolve with merchant in regards to a reduction in XXXX from my balance from one day to the next with absolutely no transaction occurring or document. The end of the XX/XX/2021 shows a balance of XXXX In XX/XX/XXXX, the first transaction is a deposit via transfer from my sisters venmo  account if XXXX, and does a balance after a XXXX, filters by another XXXX deposit, with XXXX result balance. From XX/XX/XXXX and the final transacting of XXXX leaving XXXX balance to the infatuated next transaction XXXX the balance result at XXXX, there is a disappearance of XXXX in the balance. After contacting venmo, the response was it was from transactions that occurred earlier. They were unable to provide the line items of any such transactions that if occurred XXXX, would have been documented but show no balance change as a result. There was absolutely no reported transactions that would account for the missing XXXX and the balance reported after each transacting for the 60 days prior had neve dropped below XXXX, so the money was present up to that day and didn't account for any transaction of XXXX they claimed occurred. Venmo has been unable to provide any proof or reason for the error nor record to correlate. And the refuse to correct. It's as if they took it and though ti wouldn't notice. They will not cooperate and I reported now to the consumer protection agency
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (LA)

Filed a dispute on a debit cart transaction on XX/XX/21 with PNC Bank for {$440.00}. 
Returned a mattress to XXXX 's furniture on XX/XX/21. {$440.00} XX/XX/21, PNC refused to credit my acct. 
XX/XX/21, spoke with XXXX from PNC Bank. Acct still not credited XX/XX/21 spoke with XXXX, then XXXX, acct still not credited XXXX, acct still not credited, XXXX 's still has mattress. 
XX/XX/21, no credit posted XX/XX/21 no credit posted XX/XX/21, claim closed, no credit poste, no explanation of reason??