davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX  days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX  days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX  days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable XXXX. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I applied for the Bank of America Alaska XXXX XXXX credit card but did not receive this card. Instead, I received the PLATINUM credit card WHICH I NEVER APPLIED FOR! Now I am stuck with this credit card with an annual fee I was never informed about. I researched this issue online and many other customers have fallen for the same scam by Bank of America. I have never had this issue with other banks or credit card companies. Bank of America needs to be punished for misleading customers and ruining their credit scores.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AES/PHEAA (PA)

I called to speak with someone today ( XXXX ) about late payments in regards to my student loans for last year. When I mention to the individual I was speaking with that I never received anything in the mail or an email in regards to making payments once I graduated college in XXXX of XXXX ( however I was allowed to walk but had to complete a class for 3 credits which I never recieved ). The fact that these late payments are on my credit history are having a very negative impact on my score.
Consumer complaint received 2017-10-10
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: ProCollect, Inc. (FL)

I submitted dispute letters to XXXX, XXXX, and XXXX on XXXX/XXXX/XXXX regarding a collections acct that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items that I disputed.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act Convergent Account name XXXX XXXX XXXX, Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-10-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BBVA FINANCIAL CORPORATION (AL)

We incorrectly received a delinquent notice dated XXXX/XXXX/XXXX for our line of credit acct for past due amt {$150.00}. We had made 2 prev pmts of {$500.00} on XXXX/XXXX/XXXX and {$500.00} on XXXX/XXXX/XXXX. Both pmts were made via paper check ( mail ) through the same bank XXXX XXXX XXXX that our LOC acct is at and both cleared our checking acct. Upon online investigation the 1st XXXX pmt was reversed on XXXX and {$340.00} of the 2nd {$500.00} pmt was reversed on XXXX/XXXX/XXXX. The local XXXX branch where loan was opened stated they could not help as they only open the accts and I was given a number to call. XXXX contact that same day XXXX XXXX/XXXX/XXXX XXXX to XXXX rep was no help- no explanation of delinquent notice or pmt reversals. I was promised a return call next day-never happened. 2nd phone call on XXXX/XXXX/XXXX also brought no answers. There was again a promise of a return call which did not happen. We have also sent an online message through our bank and no one has responded. We would like to know our rights as XXXX Bank is illegally charging us interest, refusing to post our pmts, keeping the funds from reversed pmts on this account XXXX our checking accts were not reimbursed for the reversal of either pmt ) and ruining our credit with false delinquent notices on a timely account. Please advise.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (GA)

I was never late 30, 60, or 90 days late. I am not sure how this happened. I believe that I had made my payments to the companies when I received my statements. My only thought is there was a billing error with my statement because I have always made my payments on time. 

I contacted the companies in regards to this matter but they never responded. Also during the time the late payments took place My Identity was stolen. I have sent them letters, made calls but not response these accounts is hurting me and I need the matter resolved.
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BB&T CORPORATION (TX)

I purchased a vehicle from XXXX XXXX in XXXX, TX on XX/XX/XXXX. On XX/XX/XXXX I had XXXX XXXX XXXX XXXX and was on XXXX XXXX. The bank called to do a welcome call which I barely remember and says that I told them that I had a recent repo, which I didnt. On XX/XX/XXXX about XXXX XXXX I get a call and text from the salesman saying that the bank decided not to do the loan because I said that I had a recent repo. In my mind it was a done deal, contract and everything signed, more than 72 hours and I hadnt heard anything from the bank or the dealership. I was waiting to get the information for my first note. Now I have to return the vehicle to the dealership today the say or they will repo it and Ive done nothing wrong to my knowledge. The name of this bank is XXXX XXXX XXXX. in XXXX XXXX, TX XXXX.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MD)

When the news broke about Equifax I decided to check the website they gave to see if my information had been compromised. According to the website it said that my information probably was not impacted. Probably, is not that reassuring! I let it go until a couple weeks later there was something else in the news about Equifax so I decided to check the website again and this time it said my information may have been impacted. May, is even less reassuring than probably!! So I decided to follow through with the next steps to get the free credit monitoring service through the website they gave. What a convoluted mess!! I have talked to so many people at different numbers and have received zero satisfaction. First of all, since they caused the mess why do I have to jump through all these hoops in an attempt to get the free credit monitoring service when they are responsible for the problem, if anything they should get in touch with me and tell me they are giving me this service. All the different numbers I ended up calling started from the number on the website, then in a couple of instances I was automatically transferred to a different number, which made me uneasy. In all cases I was asked for my private information ; only one time did the person on the other end ever ask for my entire social security number. I was uneasy about giving it to them but since the number I started with was from the original website I was given to follow up on this matter I did and also one of the other one people that I spoke with said that they occasionally do ask for the full social security number. My reservation about give any private information to Equifax is that they did not do such I great job safe guarding it in the first place so why should I trust them with it this time. I even filled out the information form twice on their website and still absolutely no satisfaction. On one of the last calls I made I asked the gentleman on the other end where was I talking to him from and his reply was XXXX, my thought was XXXX!! Why am I giving my private information to someone in XXXX!! I could not believe it that Equifax had the unmitigated gall to out sourced this problem to a foreign country. I am absolutely thoroughly and totally discussed with the whole mess and am in a quandary as to what my next move is?? I hold Equifax completely responsible for any issues with my credit for the foreseeable future. What really takes the cake is that Equifax will probably walk away with absolutely no penalty what so ever and the consumer again is the one who will be left holding the bag.
Consumer complaint received 2017-10-10
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: General Motors Financial Company, Inc. (AL)

On XXXX XXXX, 2017 visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
Consumer complaint received 2017-10-10
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. (KY)

On XXXX XXXX, 2017, a sales clerk ran my credit to open a XXXX XXXX line of credit without my permission. I have since contacted XXXX XXXX and they have closed this account as being opened fraudulently. I would like TransUnion to remove the " hard inquiry '' on my credit report. TransUnion 's initial response to my request to remove this inquiry was that I contact the lender, which I have since done.
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

On a cold XX/XX/XXXX, the most dreaded thing that could happen when it comes to heating happened, the furnace malfunctioned, failed, and set off the carbon monoxide detector. Being right after the holiday funds were low and I contacted many different companies for help. The only company open was XXXX XXXX XXXX ( local ) and the well known XXXX XXXX. XXXX XXXX actually outsourced their work to XXXX XXXX XXXX as they have no actual furnace repair team that works at XXXX XXXX. I know this now but this is where the confusion began. I had been paying about {$100.00} a month since then however recently something went wrong and it has taken me months to unravel. When I purchased the furnace from XXXX XXXX XXXX they opened a credit line separate from my already established XXXX XXXX credit line. I know this now nearly 2.5 years later. That credit line did not say XXXX XXXX  XXXX but XXXX XXXX XXXX which made me think that is was just a major HVAC purchase under my XXXX XXXX account. When the balance increased I knew something was n't right and I realize this has nothing to do with XXXX XXXX  or XXXX XXXX XXXX for that matter but a credit line with Synchrony Bank that was used to pay XXXX XXXX XXXX. Initially when I realized this was a completely different credit line I immediately reached out to a law office thinking someone opened a credit line in my name, with investigation I unraveled the truth. In the meantime I have been slammed with over {$900.00} in deferred interest and late charges. Some suggested that even that in itself seems predatory but I am writing as a thankful customer, appreciative because without this I could very well be homeless or worse so I thank you Synchrony Bank but please consider waiving the deferred interest and fees and I will pay this off as soon as possible.
Consumer complaint received 2018-01-17
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: HW Holding, Inc (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX They put a collection item on my credit report and it is not my item!
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I sent a wire transfer from XXXX XXXX to Coinbase on XX/XX/XXXX through XXXX XXXX XXXX. 

Amount : {$5000.00} USD I have talked to both my bank ( XXXX XXXX ) and XXXX XXXX XXXX ( Coinbases bank ) and they have both confirmed the transfer as complete at XXXX on XXXX/XXXX/XXXX. These confirmation calls and visits occured on XX/XX/XXXX. 

IMAD # : XXXX I put in a service request for this issue on XX/XX/XXXX through Coinbase.com. 

I have called their support line and responded to canned emails on multiple occasions and they just keep replying that they are " raising the priority of my case '' without actually providing any solution or ETA for when my fund will be available. 

It is currently XX/XX/XXXX, nearly a month after my wire transfer has been cleared, and Coinbase has still not posted my funds to my account or returned my money after asking explicitly multiple times.
Consumer complaint received 2018-01-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (MD)

I owed {$590.00} was not behind in payments and they charged me {$88.00} in fees on top of the XXXX. So I ended up paying XXXX. 

Why am I paying XXXX in fees and the next payment was not due until XX/XX/18. 

I would never borrow or recommend this company with all the hidden fees.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

OnXX/XX/XXXX I made a payment through XXXX XXXX for the amount of {$2600.00} to my TJX Rewards Credit Card. InXX/XX/XXXXmy TJX Credit Card was declined when I was trying to make a purchase. I called TJX Rewards Credit Card customer service onXX/XX/XXXXto inquire about that. When I spoke with a representative I was informed that payment was not received and ; therefore I made another payment of {$2800.00} that was the balance at that moment. That day I did not check my bank account because I was traveling. On XX/XX/XXXX when I returned, I called XXXX XXXX and I was informed that in fact payment ( {$2600.00} ) was sent and received by TJX. SinceXX/XX/XXXX I have sent proof of payment and also contacted TJX more than 15 times. I have spoken with supervisors who stated that payment was received and I will get a refund check. In XX/XX/XXXX I spoke with one of the supervisors who stated I will get credit within 2 weeks and when I called inXX/XX/XXXX another supervisor stated that a request to investigate claim has to be filed because he could not see any response to the claim. Up to today I have no received credit. Every time I have called, I have to speak with a different supervisor and all they say is that they have to make the report and I have to wait another 30 days for a response. It has been 5 months since I started this claim and I feel every month they just made an excuse and I have to wait another 30 days. Attached you will find copy of proof of tranfer from XXXX XXXX to TJX.

TJX Customer Service XXXX Fax XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Trying to recast mortgage. Was told to go to local branch and write check for specific amount in order to reduce principal to {$180000.00}. Wrote check at local branch in XXXX VA on XX/XX/XXXXfor {$210000.00}. Told bank teller to apply 100 % of funds to principal. I was assured that all funds were applied to principal. Two days later, I found out that account was not properly credited and {$1100.00} was directed to interest as opposed to entire amount to principal. Therefore, principal not reduced as directed and desired. Recast payment will be higher due to error by Wells Fargo. Wells informed of error on XX/XX/XXXXand on XX/XX/XXXX. Wells refuses to admit mistake and refuses to correct. No contact from recast department despite beyond told that I would receive recast documents overnight after payment was made on XX/XX/XXXX
Consumer complaint received 2024-11-16
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Fraudulent charges were made on my Home Depot credit card account on ( XXXX ) XXXX at XXXX XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, and ( XXXX ) XXXX at XXXX, NY for XXXX. The fraudulent charges total XXXX. I disputed these charges with Home Depot and advised that I have never shopped at their XXXX XXXX or XXXX, NY locations, and most importantly I was in XXXX on XXXX, XXXX and XXXX. Notwithstanding my dispute, Home Depot has determined that I am responsible for these charges and continues to send me bills and threats to report my account to the credit bureaus. I am over XXXX XXXX XXXX and in poor health having recently had major XXXX XXXX. This situation is extremely stressful and exacerbating my health issues. I have always paid my bills through my long life and dont understand why Home Depot is treating me this way. I would greatly appreciate any assistance from the CFPB.