davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RICHLAND HOLDINGS, INC. (CA)

I've never owed this credit collection company, nor the original creditor, any of the unwarranted debt they claim that I owe, nor do I owe the additional unwarranted debt accrued since originally making me a victim of their illegal, debt-accruing, crime operation in early 2018. Note : this company is known for accruing false debt and subsequently purchasing more debt on top of what they initially, unjustly, and illegally accrued ; just check their XXXX reviews [ Account Corporation of Southern Nevada ], in order to slander one 's financial reputation for their company 's own personal gain/debt reconsolidating purposes, I presume. Another note : I don't have any other history or slew of derogatory accounts except for this and if I do they are well under XXXX $ and are also in the process of being disputed/litigated, as I've never had an instance where I haven't paid an amount on the correct date it was owed. Hence, my credit report shows a mostly accurate depiction of my financial history, in which this unwarranted derogatory account [ Account Corp of Southern Nevada ] does not support and is tremendously out of the ordinary/ doesn't following my usual financial patterns. XXXX has already removed the report as a result of inaccuracy. Currently in the process of disputing the inaccurate information/ relaying the removal to the rest of the credit bureaus. Again, this account is an error/unauthorized and should not be on my credit report.
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (NV)

Ford credit, XX/XX/2020 Was harassed 10 calls today. Explained that my position was eliminated due to covid 19. I have a payment set for XX/XX/XXXX. 

Threats and treated unfairly and did not get employee id, no transfer to supervisor and call sounded from another country. 

Was hung up on and was never resolved
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I recently sent letters over 60 days ago to this bureau Equifax and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.
Consumer complaint received 2019-01-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (WV)

I paid off my mortgage with an insurance check due to a house fire, Ditech received my check as of XX/XX/XXXX. They have paid off my mortgage but I made my last payment on XXXX XXXX the regular payment due. On the payoff details they charged me {$11.00} late fee, nothing was late, and they charged me an additional {$250.00} interest charge though I just made a payment on XXXX XXXX and paid {$260.00} interest. it was like they took my payoff and paid it like it was the XXXX payment that I have already made. I am disputing the {$11.00} late fee and also the {$250.00} interest fee. They also told me my refund could take up to 30 days after payoff even though they have received their money and I am paid in full.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX, XXXX and XXXX of XXXX, I filed a dispute with the Equifax about the unverified account : XXXX collection account # XXXX {$150.00} and {$130.00}. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of todayXXXX. Thank you
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (IN)

On XXXX XX/XX/2019 I ended my account with PNC Bank. The credit card I had was a prepaid credit card for {$300.00}. I made a payment of {$290.00} as a final payment to close the account. I received a reimbursement check and cashed the check in XX/XX/XXXX around the fourteenth. There were overdraft charges that I challenged because the bank had taken the payment, then returned the payment, then took it again. I have spoken with multiple representatives. The bank has also changed the amount that they claim I owe. It has gone from {$300.00} to {$290.00} and now it is claimed to be {$100.00}. So even the bank can't figure out what is right.
Consumer complaint received 2020-01-30
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-30
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. (NY)

PLEASE REMOVE THE DISPUTED ACCOUNT AND INQUIRIES OF FMY CREDIT REPORT FOR THEY HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT. THE ACCOUNT DISPUTED WAS NOT AUTHORIZED BY ME. PLEASE HAVE IT OF FMY CREDIT.
Consumer complaint received 2020-01-30
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. (NY)

PLEASE REMOVE THE DISPUTED ACCOUNT AND INQUIRIES OF FMY CREDIT REPORT FOR THEY HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT. THE ACCOUNT DISPUTED WAS NOT AUTHORIZED BY ME. PLEASE HAVE IT OF FMY CREDIT.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MN)

I received a letter dated XX/XX/XXXX from US Bank. The letter begins with " Important information about your US Bank Platinum Visa Card account. It goes on to inform me that my credit limit is being decreased by {$500.00} based on the information that the 'account is currently inactive. ' US Bank 's decision was based on information from XXXX  consumer credit reporting agency. The letter goes on with the usual boilerplate data indicating that US Bank obtained my credit score from XXXX  and US Bank 's credit decision was made using XXXX  's data. '' I DO NOT have a credit card with US Bank! In XX/XX/XXXXI had a mortgage with US Bank which was sold to another lender. I also had a checking account with US Bank that was associated with the mortgage. To make a long story short, the checking account was set up by US Bank specifically for this mortgage ; I did not have to pay any monthly fees because of the associated mortgage, yet each month I was charged a fee and each month a banker would reverse the fee. It turned out that the banker who reversed the monthly fee always used the reason that I was a military widow. Although I am a widow, my spouse was NEVER in the military. I decided that US Bank was unethical in it's practices and wanted nothing to do with them. 

I took the checking account checks as well as the debit card associated with the checking account into the bank and sat there as the banker closed everything. I hate doing any sort of business with these dishonest people so you can appreciate why this upsets me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (FL)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) XXXX XXXX XXXX ( b ). 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2020-01-30
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: AMERICAN EXPRESS COMPANY (NY)

I have been a loyal customer of American Express for about 5 years. I applied and got approved for a Delta SkyMiles Platinum Credit Card from American Express on XX/XX/2020 ( reference # : XXXX ). When I applied for the card, the welcome offer was getting XXXX Delta miles after XXXX USD purchase, but within 2 days ( XX/XX/2020 ) I saw that the welcome offer was increased to XXXX Delta miles with the same spending requirement ( XXXX USD ).  I called American Express several times to match my welcome offer given that the change was made only within 2 days. However, they refused to do so. Other credit card companies such as XXXX XXXX XXXX have a 30-day offer match policy, but American Express here is being totally unreasonable. One of the customer service member from American Express was very rude and unhelpful, but a supervisor suggested that I make a complaint to CFPB to see if a higher-level office from American Express could do something about it.
Consumer complaint received 2020-01-30
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 (FL)

I had a car loan with TD Bank that was paid in full in 2010. TD Bank has the car loan listed as a Credit Card which I did NOT ever have with them. I have only had a car loan which was paid in full and closed in 2010. This is a closed account that has been paid in full continues to pop up and is renewed on my credit report. It needs to be gone
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The bank of America closed down my credit card by receiving a miscommnication received by XXXX  and other credit unions. 

credit card : XXXX I am here to certify this credit card account was mine and I had already sent y ID proof and the Letter to bank of america and thinking issue will be sorted down. 

But later bank of america says that they cant open the account bank because it was closed down for invalid reasons. 

No bank of america lowered my credit score from XXXX to XXXX from XX/XX/XXXX  and now by closing this credit account they took back all my credit history. 

I request bank of america to reopen my account as it a valid account and i had been using this card account from XX/XX/2017
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (GA)

XX/XX/XXXX. 
Opened an account at SunTrust Bank in XXXX, XXXX. using a {$5000.00} cashier check written on XX/XX/XXXX from our XXXX XXXX XXXX   account in XXXX, XXXX. Was told the account was opened and given over the counter checks, ordered checks and ATM debit cards. 

Week of XX/XX/XXXX Went to the drive through window at bank to deposit checks into the newly opened SunTrust account. Was told to park the car and come inside bank due to a red flag! Once inside bank was told that there was a legal problem and was being sent to the fraud department and that the account had been closed. No explanation was given about why the account ended up in fraud department but we would receive a letter of explanation within 15 days. 

Weeks of XX/XX/XXXX to XX/XX/XXXX Many trips to Suntrust Bank to talk to management about an explanation for closed account, where our {$5000.00} was and when the money would be returned. NO ONE in the bank could answer any questions nor could they get any answers by calling the fraud department themselves. We were told it was in PROCESS with no date of money being returned. 

XX/XX/XXXX Received 1st letter from SunTrust bank with no explanation and only stated that we would have to make alternative arrangements for banking needs. We were given a number to call to get more answers. 1-800-suntrust. After numerous calls over the last 2 months all we are told is it is in process. 

XX/XX/XXXX Second letter from SunTrust stating fraud department reviewed the status of the funds and they were still trying to determine if the funds should be returned and a check would be received in 15 days. 

XX/XX/XXXX XXXX XXXX XXXX sent letter of reclamation and copy of cleared cashiers check, per SunTrust request. 

Week of XX/XX/XXXX SunTrust confirmed they received the necessary documents. And again we get its in process XX/XX/XXXX It has now been two months and we still have no answers nor have we been refunded our {$5000.00}. We have contacted management at XXXX XXXX XXXX in XXXX and were told the cashier check had cleared through SunTrust and we were sent a copy of the cleared check. 

We are in our late XXXX  and live on a small fixed income. We have moved to XXXX to live with our daughter and this has been an absolute nightmare!
Consumer complaint received 2020-01-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.
Consumer complaint received 2020-08-25
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2020-01-30
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CO)

I currently have a loan with GM Financial, and had noticed that my credit report was not reflecting a payment made since XX/XX/2018. I had contacted GM Financial and was informed that it was a system error and this would be resolved by the end of XX/XX/2018. The problem was resolved for a few months, but now shows that a payment has not been paid to my account since XX/XX/2018. I have asked GM Financial, on several separate occasions, to look into this and get it resolved, as I am unable to refinance my vehicle or even utilize my credit because this is affecting not only my credit score, but also my payment history reported to the credit bureaus. Almost a year and a half later, GM Financial is still not reporting any payments that I have made to my account.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

CitiBank NA continues to report my account as not current or charge off affecting my credit score and ability to get credit cards. The account was closed and settled back in XXXX. It was a Best Buy card, which I currently have another Best Buy card, oddly enough through citibank, which is current and in good standing. So why this one continues to show negatively on my report is beyond me. The last reported not Current was back in XX/XX/XXXX. Luckily the madness seems to have stopped, but from XX/XX/XXXX to XX/XX/XXXX it was reported as not current/charge off which is incorrect. I disputed it with XXXX and they said it is correct information. IT IS NOT CORRECT!!
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received a letter from Capital One today informing me of the permanent restriction of my son XXXX XXXX as an authorized user. When I called to inquire as to why he was flagged, I was told by the executive department representative that 1 ) the letter was all the information that they had to offer me. 2 ) That there was no way to contact the office or people that made that decision. 3 ) that the decision was final and I had no other recourse. 

Now, I obviously have a recourse ... I can cancel my card and go to another bank that will hopefully be more forthcoming with information about a decision the impacts by business. 
My son XXXX is my XXXX XXXX   and does all the office ordering. Restricting his ability to do his job affects my entire XXXX XXXX. My simple question as to why they restricted him should be answered by someone. If the reason is legitimate then that is fine, but if it is a mistake ... .it should be reversed. To send me a letter like this and then say I can't speak to the people who made this decision is hard to understand. 

I look forward to your response and I hope that I can get an answer that will allow me to continue to remain a Capital One customer.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kovo (GA)

Company is a scam. They claim to help your credit but they cost me XXXX points. I am on autopay and was never notified my autopay failed. They claim they sent emails to my email and i never received them. They reported me late for XXXX dollars and my credit dropped XXXX points. They refuse to remove the late payment. I asked to cancel and they are trying to make me pay XXXX dollars when i never recalled signing any contract with them saying i had to pay for 24 months a d couldnt cancel anytime. They have several bad reviews for these similar issues and I hate I ever got involved with this company.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX {$5500.00}