davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below :??? XX/XX/2019 for 30 days??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

After reviewing my free annual credit report I noticed a fraudulent account that does not belong to me from Portfolio Recovery after contacting them they still refused to send any verification of this account and still are reporting this fraudulent account to all credit bureaus.
Consumer complaint received 2019-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (MD)

I am delinquent on my student loans. The original amount was {$65000.00} and the total amount is XXXX. I checked with two websites online both of them federal govt student loan information sites. My loans were direct federal loans. My servicer is a collection agency that deals with delinquent loans. My guarantor was the Dept of Ed. Nowhere on these sites is there a mention of Wells Fargo Bank or their Direct Loan Program. In addition, I would never take additional loans from this dishonest, fraudulent, shady lender. Yet I am receiving bills for $ XXXX and a demand for payment in full on this loan with Wells Fargo being the original lender. Hmmm .... Im confused, did I consolidate? Refinance? Please provide all paperwork and terms and signatures on this debt for {$95000.00}. Please disclose in writing all necessary paperwork and proof of being the lender for my school loans. I have no knowledge of such a loan, I need my memory to be refreshed. I have a mortgage with you and {$110.00} in equity, therefore I have enough to cover said loan. But as far as payment, Im going to pay Dept of Education the XXXX unless you can prove your case. Kindly remove derogatory information from the 3 credit bureaus regarding this loan until you provide verification of being the lender. I am applying for my home equity line of credit this week and I already have a fraudulent credit card that you opened and kept opened for two years destroying my credit. I dont need another fraudulent item on my reports due to Wells Fargos history of scamming customers Thank you
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 — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX  and XXXX XXXX continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.
Consumer complaint received 2019-09-26
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. (TX)

XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had a credit card account open with Huntington bank. I opened the account a little under 3 years ago as my first line of credit outside of student loans. With this they provided me with a {$4000.00} line of credit. This happened to be before i frequently checked my credit score so I am unsure what it was at this time. Considering I had not other credit line except for student loan debt I assume it was not that high. A few months after having the card my credit line was raised to {$8000.00} without a notification from them which was good with me. At this time I had a car loan and just got a full time job and was still in school. Through some time in work I had to take off time in classes and my student loans started needing paid. Since it was in multiple loans I decided to have them consolidated to make things easier. During this time I was advised to wait until the consolidation was finished. During this time my credit did take a hit but went back up higher then it was previously. Around the time my credit went back to its normal amount they lowered my credit limit to {$1600.00} due to me being a " risk. '' I was a little upset by this, but they let me know I could call to have it raised in a 6 month span. During all of this time I had never missed a payment on my credit card and other then the student loan issue had not blemishes on my record for unpaid bills. As of XX/XX/XXXX when I had last used the card they ran another report which showed my credit limit was very different from multiple other credit agencies. They did not notify me until XX/XX/2019 that my account was closed in XX/XX/XXXX. Due to this I was unable to redeem the 90,000+ points I had saved up which in their system every XXXX points is ~ {$1.00}. When I called their support their reasoning was that I am to much of a risk to leave it open and there is nothing they can do. I re-ran my credit score and it had went up. They said there is no way for me to reopen the card or redeem the points. Even after speaking to a supervisor they said that I would have to reapply in 6 months. I let them know I would be closing my checking account that I had also had with them for almost 10 years to make sure the bank nearest to me was ready for me close my account. Not understanding at all she said she would file a complaint on my behalf.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NV)

Citibank keeps calling 2-3 times a day, invading my privacy. Im currently out of a job, and they keep harassing me, even on a Sunday morning. Im always waiting for employers to call me for an interview, but never knowing if I could miss this opportunity because of a citi bank. They keep charging interest and late fees ; so fat it being {$180.00} on top of what I owe. They refuse to remove it, and keep increasing my debt.
Consumer complaint received 2019-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got my credit ran today XX/XX/19 at the XXXX dealership because I am trying to but a new car but when they looked at my credit report they told me that I did not qualify to get a car loan due to having accounts in negative standing on my credit history. I looked over the accounts and right away I noticed that these accounts were not mine. I did not open any of these accounts and I have never allowed anyone to open an account on my behalf. I don't know why these accounts are on my credit or who opened them in my name but I have already filed a police report. I never got anything out of these accounts such as money, services or any other benefit nor did I participate in any purchases, payments or transactions in regards to any of those accounts
Consumer complaint received 2019-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc. (TX)

My name is XXXX XXXX. I received a BLOCKED call from a XXXX XXXX on my cell phone on XX/XX/XXXX @ XXXX and i still have the saved recording. On the message, He stated that there was a Legal Case ( XXXX ) against XXXX XXXX and i was listed as an associate to the address XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I called the number that was left to call, XXXX. When i called, i blocked my cell number just as they did, but they would not disclose what company they were and what company they collecting for. The last cal to them, i was advised that they had spoken with XXXX XXXX and it was taking care of and they couldn't discuss her case without her approval. I hung up and called my daughter and she said they had called with the same LEGAL threat. My daughter took out the ONLINE PAYDAY LOAN with MONEYKEY in XXXX. I called them and apparently they are unaware that they can be held responsible for the actions of the their THIRD PARTY DEBT COLLECTOR for consumers.
Consumer complaint received 2019-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (GA)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson Capital Systems is a debt collection agency. They do not have the right to report or collect a debt from me. I do not owe this company any money. They have reported on my credit report I owe them money. I have repeatedly asked them and XXXX XXXX/XXXX to delete from my credit report as it is meets FCRA requirements. They will not remove from my credit report.
Consumer complaint received 2021-04-29
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. (IN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 60 days and I have not received a response yet.I feel like I am being blatantly ignored by the bureau. Section 611 ( a ) of the FCRA says that a failure to investigate these items within 30 days is a sufficient reason to remove to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted or I will file for litigation due to the emotional stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have disputed a collection account ( XXXX XXXX ) on my credit file with XXXX and Equifax telling them that this collection account was dismissed in court. They have stated that the account is " closed ''. The problem is that the account should not have been reported to begin with. 

The reason it was dismissed is because the plaintiff knew they had no evidence that the account belongs to me. I am trying to secure a new car lease and am unable because of this problem. 

I have asked them to verify, then validate ( they said the account was validated ) when I pressed them for methods of validation. There was either no answer or the same " verified '' comment on correspondence.
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

We have been struggling to make our payments for quite some time now. The CFBP was instrumental in helping to stop the sale of our Home in XX/XX/XXXX due to errors by the lender resulting in raising our payment substantially. We have not been able to recover from all the extra time and expense since that error. We made the decision to sell our home. It's been listed for several weeks now. We are confident it will sell as is our realtor. We have kept in touch with Mr. Cooper reps however they were non-responsive to our latest request dated XX/XX/XXXX in writing asking for a loan forbearance while our house is being marketed. We made a good faith partial payment with this letter however the payment was returned with no mention of the forbearance request.
Consumer complaint received 2019-10-02
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. (FL)

I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (UT)

Us Bank # XXXX is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed XXXX/XXXX account on my report for several years. This account had a verbal agreement since XX/XX/XXXX. I paid {$100.00} per month for 9 months as a settlement on this account. I sent over the documents to the credit bureau several times but they said it is being reported as accurate. They say I still owe money and they did not report the {$900.00} settlement. I dispute this every month. XXXX has deleted this account from my report but Transunion did not. I made my last {$100.00} payment in XX/XX/XXXX and XXXX did not report this. I sent the statements from XXXX XXXX to prove I paid this and Transunion did not remove this.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I was in the process of taking the correct steps to improve my credit score from the mid 600 's to over 700. One thing they tell you to do to improve the score is to make sure you balance on all cards are less than 50 % of the credit limit. In XX/XX/2019 I took these steps to pay down a couple of my Citi cards. After payment my balance would be about 40 % of my credit limit. Right after I made these payments, Citi card sent me a letter lowering my credit limit. Once they lowered my limit I was right back to being over 90 % used of my credit balance. With this being done it is like swimming upstream and I would never get anywhere unless I paid the balance in full. 
This seems like it is very unfair to the consumer. I am never late and was trying to better my score, only to be made worse.
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (GA)

Equifax and XXXX  are reporting incorrectly a charge-off of {$7400.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX  which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this account however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. This account is up-to-date and should not be reporting any derogatory information on my credit report. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (MN)

I transferred {$1000.00} to a company on the east coast using US banks wire service. They then transferred {$10000.00} out of my account. I have been able to recover {$4500.00} but the bank will not refund the difference even after admitting there mistake. The case number for US bank is : XXXX.
Consumer complaint received 2019-10-02
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: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Closed my accounts with HSBC in XX/XX/XXXX or XX/XX/XXXX Received notice that there was a charge on my credit card in XX/XX/XXXX. Disputed and explained that these accounts were closed. Was told they would close my account Got a credit card statement again from them Called again and explained that accounts were closed. 
HSBC opened up a NEW credit card for me without my authorization Called again and was notified that they closed my account. Received a letter stating the same. 
Received yet another credit card statement from them in XX/XX/XXXX. 
Called again to have them close the account.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

Obtained credit under XXXX FInancing for Unlimited Upgrades for mobile equipment. 

Ordered equipment through XXXX XXXX ( XXXX ) # XXXX a XXXX  XXXX on XXXX XXXX. Was on back order. Shipped XX/XX/18 and arrived XX/XX/18. Purchased device under XXXX UNLIMITED UPGRADE ( UPGRADE EVERY 12 MONTHS NO QUESTIONS ASKED, ACCOUNT IN GOOD STANDING, HANDSET IN GOOD STANDING, ETC ) which REQUIRES one to use their XXXX FINANCING. 

I considered returning it when it arrived. Requested return shipping label. Decided to keep device, and did not return it. Account is in good standing, meets criteria for upgrading, and even received an upgrade email from XXXX telling me it was eligible for upgrade. 

I have attempted to upgrade the device from XXXX order under the UNLIMITED FINANCING TERMS AND CONDITIONS but since the returm was initiated and never completed, the order department is incapable of fulfilling the request " due to software issues. '' Specifically, their system ' can not fulfil the request because a return was initiated but you kept phone and even though you fulfilled the terms of the program and received an upgrade letter, we can not upgrade you because the system is not programmed /capable of addressing this. '' This is downright sales and credit fraud. 

Please address this. I can only use XXXX and have called 4 times and spent over 1.25 hours today on the phone trying to get a resolution, but they are unable to help, and I am stuck with a phone that I expected to be able to upgrade using their financing program. 

There is an incident # XXXX. 

Please help.
Consumer complaint received 2019-01-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (ME)

# XXXX response from Ally Bank on this complaint should not be accepted by me or by cfpb. 

For the bank to hold my money for another 60 days after already holding it for over t 30 can't be allowed. This is a significant amount that is needed by me to pay bills and college tuition. 

What right do they have to hold onto my funds for up to three months depriving me of interest and access.