davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I purchased an officer chair in XXXX the company kept saying it will be there in another 2 weeks every two weeks. So to ensure I did not lose the opportunity to file a dispute, before the 60 or 90 days I cant remember what the limit is at this time, I filed a dispute for my money back in XXXX. They have been " resolving this case for 7 months without ever issuing me credit. So I am out {$700.00} even after complying with their requests and send tons of documents. That they will only accept by fax of course to make things more difficult for people. Why they are unable to accept scanned images viz email is beyond aside from the likelihood they just want to make it more difficult to complete disputes. But XXXX has gotten so big they either aren't monitoring these branches run by banks or they just don't care. But whoever is in charge of XXXX  XXXX XXXX XXXX  of America credit card disputes needs to get your department under control. So meanwhile I have been out {$700.00} for 9 months with the same script statement every time I call. We are waiting for their side to do the research. How does that make sense, I bought a product I don't have a product, the tracking number I gave you showed the item wasn't delivered to me. What is the hold up in issuing my money back to me! How do you not need to reimburse me for the time value of my money being gone for this long! This is so unfair and I am sure that they will not receive any type of punishment for allowing this company to steal my money. If you check the reviews there are hundreds of other people who never received their merchandise from the retailer either. XXXX are thieves and Bank of America is complicit because they refuse to honor my dispute and return my money.
Consumer complaint received 2019-03-04
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. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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. (MI)

I asked Equifax to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Equifax has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide to resolve the inaccuracies in my credit report.
Consumer complaint received 2019-03-04
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: TD BANK US HOLDING COMPANY (CA)

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Consumer complaint received 2019-03-05
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. (MO)

I have disputed these accounts many of times but the credit reporting agencies XXXX in particular tend to follow their own rules as oppose to the consumer laws set forth within the FCRA rule of laws. And if this problem remains un fixed then I will then take this matter up with FTC inwhom backs up the FCRA and/ or file suite . Once again I'm disputing the following accounts. # 1, XXXX  XXXX XXXX XXXX, # 2 XXXX XXXX, # 3 XXXX XXXX, on a few accounts now, for one they do not belong to me, nor do I have any contract with the above companies. However, the credit reporting agencies investigation into this matter results were " Verified As Accurate ". As my consumer right I'm requesting the Method Of Verification used in your companies coming to such an conclusion. I would like to know the name and title of your company 's representative inwhom handle my case. I would like to know inwhom did they speak with, text, email, write, fax, etc, what day and time did this communication take place. And more importantly what physical contract or any documentation that was reviewed and copied by your reporting company. Please up date my file correctly and if you nor your companies can not provide me with all the requested info above then as written in the FCRA them disputed accounts shall be removed immediately, blocked from reporting false information that is hindering me from my rightful and true credit report.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service ()

I had a XXXX XXXX card which I always paid on time. In XXXX I deployed to XXXX and asked for my payments to be deferred which was done at a later date by AAFES. However, they still reported negative information on my account. In XXXX while stationed in XXXX my AAFES card was fraudulently used to purchase a computer notebook. I did not make the purchase and didn't know that a purchase had been made on my charge card until after negative information started appearing on my credit report. AAFES confirmed that the purchase was made but failed to send me the dispute documents. They said the purchase was made online and shipped stateside even though I was still in XXXX. I made some payments and then felt that I should have to pay for something I didn't purchase. AAFES then took the remaining balance from my Tax Refund. I did not want to continue to argue with AAFES so I called and asked if the account was paid in full and they confirmed the account showed a XXXX balance in XXXX. In XXXX negative information started showing on my credit report. The negative information showed {$1.00} was owed and placed for collections. 

In XXXX AAFES also agreed to remove all negative information from my credit report due to several situations arising while servicing the account. 

I am a XXXX XXXX XXXX  veteran and AAFES mistakes is making it difficult for me to find adequate housing. Due to my XXXX i have limited options where I can live.
Consumer complaint received 2024-10-30
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 




XXXX. Unpaid balance reported as a loss by XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account XXXX : XXXX Update to Open/Never late
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NE XXXX Complaint Description : I paid off my student loan in full that is from 2004! Well past the 7 year minimum for reporting on my credit. When I call XXXX or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from 2004 ( 15 years ago!! ) I have called XXXX countless times and have sent letters asking XXXX to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. XXXX just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!
Consumer complaint received 2019-03-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (AL)

On XX/XX/2014 someone went online & received a payday loan in my name. Not sure of the amount of the loan, but I am responsible for {$380.00} on my credit report. I am in the process of purchasing a home and this shows up. I have not gotten a loan from Speedy Cash and dont think I should be held responsible. I need it remove off of my credit because it was not me. Please!!!
Consumer complaint received 2023-07-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I tried to speak with Capital One directly, i sent them a letter, they sent me an auto response, so i sent them another letter and they just sent me the same response. I would just like a different response in response to my hardship forgiveness plea. 

I paid off my Capital One Auto loan in XX/XX/2022. I had some issues with paying on time at the end due to a XXXX XXXX XXXX and a death in the family due to XXXX. I ended up paying off my loan with Capital One and moving forward in life, well trying to. The last late payment that I received in XX/XX/2022 really messed with my credit profile. I had no idea what to do, I tried a XXXX XXXX dispute, not because I was disputing the account but because I did not know that I could be forgiveness, which is what I am doing now. 


I know that the credit bureaus will report whatever information you give them and that they regularly go back and allow creditors to forgive late payments. I am not asking Capital one to forgive ALL my mistakes. However, if Captial One can find it in their heart to forgive just one, XXXX of 2022, it would mean the world to my family and I. We are trying to purchase a home and that late payment is keeping me from doing it. Two other creditors were so kind and already forgave late payments from that month. I am begging Capital One to do the same.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MO)

LVNV FUNDING has been non-compliant with removing the unverified account information. I sent letters because I have no knowledge of this account I sent them several letters no response. I sent an 611 letter to the credit report agencies to see if they would've had better luck one of the reporting agencies closed the account and reopened it and the others came back verified and I have yet to see and paper work with an signature or anything to show proof several laws are being broken and I have rights.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (NJ)

I applied for Sears Store Credit card at XXXX or XXXX of 2017. 

I never get their credit card or any of their balance statements to my mail address. 

During XXXX, XXXX and XXXX of 2017, I controlled my card balances at their store with my SSN, if there is any balance, I paid. 

I went overseas, when I turned back to US and I was sure that there should not be any balance, but when I checked Sears balances, there was XXXX USD or so. These were 60 days late. I paid down all the balance. 

I have no idea how this balance happened, it may be either someone got the Credit Card from my mailbox instead of me or Sears charged some kind of monthly fee, that I have no idea.

The 60 days late payment for this small amount is seen as " Serious Delinquency '' in my credit scores and affects my life very badly.

If I had any chance to get their credit card, I would know the card number and register their online system to eliminate it, but I never got that card.

I reached Sears about the issue multiple times, they refused to give me my card number by phone, they refused to delete late payment from my credit reports.

Once they told me that they can send my statement to my mail address, so I would have a chance to learn my card number, but that statement never reach to me also. I closed my account with them.

Several times I tried to dispute for that late payment, but they refuse to delete it on my records.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Several fraudulent transactions were charged against my account totaling over {$2000.00}. The fraud occurred between XX/XX/XXXX and XX/XX/XXXX. I filed a claim on XX/XX/XXXX and another one on XX/XX/XXXX. Citizens Bank refunded me {$480.00} on XX/XX/XXXX, which was for the second claim. Later I found out they denied my first claim but without an explanation. I made multiple calls to Citizen 's claim department only to be told they could not provide any details but would have someone from the fraud department call me back. After three attempts and no response, I went to my local Citizens branch and was told the same thing.
Consumer complaint received 2019-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (DE)

XXXX XXXX XXXX wont take my payment of XXXX I already paid this to a company called XXXX which is a company who pays off loans to pay day companies. I paid XXXX XXXX to have Speedy Cash be paid XX/XX/XXXX The XXXX is a consolidation company to cover each month pay day loans Ive tried many times to ask XXXX XXXX which is collection company for Speedy Cash to take my XXXX is they have no record of XXXX paying them They wont take money unles I pay them XXXX which includes interest on Speedy Cash loan. I only have record of XXXX that I paid XXXX info is email XXXX ( XXXX ) They wont call me back either. XXXX was taking XXXX monthly out of my checking debit card ... XXXX for 30 months I signed XX/XX/2017 address is XXXX XXXX XXXX XXXX # XXXX XXXX, KS XXXX
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX, I made a bulk appliance purchase from Lowe 's and used there Fixed Payment -- 60 month option. My first minimum payment of {$150.00} was due on XX/XX/XXXX and I made a {$200.00} payment prior to the due date. Every month since then, I have made a {$200.00} payment without fail and my minimum due has always been {$150.00}. XX/XX/XXXX, I accidentally made my payment 1 or 2 day too early and they are now charging me late fees and penalizing me saying that I missed a payment. I never missed a payment. I have record of a {$200.00} payment every month. My only mistake was paying one month a day or 2 too early. I spent an hour on the phone with 4 different transfers, asked for a supervisor, got a manager for maybe 5 minutes and transferred again. They all kept saying I missed a payment and that I owed {$300.00} to make it right. So, I am being penalized and my credit is going to be affected because I made my one payment too early ... not late. They finally said they would lower the payment to {$190.00}. When I asked why it was more than the {$150.00} minimum due, she said because of the late fee. I just can't understand why they couldn't go back, see my entire payment history like I can, realize I never missed and make the needed correction to fix this problem.
Consumer complaint received 2019-02-27
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)

Hello my name is XXXX XXXX. I am having a huge problem with having several fraudulent accounts deleted from my Transunion Credit File. File Number XXXX. I have recently contacted the FTC to file a complaint as well, I have provided Transunion with a copy of my police report that list the fraudulent entries and after 4 months my situation remains the same. 

I have list the 6 FRAUDULENT COLLECTION ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX   XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (GA)

I filed a fraud claim with Suntrust Sunday on XX/XX/XXXX for a XXXX transfer I had initiated using the Suntrust app but suspected was fraudulent. Since the amount of the transfer was above the daily limit, the app gave a message that it would not be processed immediately. The recipient also informed me that they had not received the money, so I called Suntrust and asked them to put a stop on the payment which is how the claim was opened. 

On XX/XX/XXXX Suntrust issued a temporary credit for {$1500.00} to my account. 

On XX/XX/XXXX I received the email from Suntrust copied below stating that the transfer had not reached the destination and that the XXXX service had been cancelled on my account. 

On XX/XX/XXXX I received a call from Ms. XXXX XXXX from the Fraud department. I forwarded her the email I received on XX/XX/XXXX to her after answering a few questions about the claim. On XX/XX/XXXX I received an email saying that the claim was being denied and the {$1500.00} was going to be taken from my account on XX/XX/XXXX. 

Today I have spent 3 hours on the phone with both the Customer Service and Fraud department ( note that XXXX XXXX has not returned my calls ) trying to figure out where the money from the XXXX transaction that, per their email to me did not reach its destination is, was and when it would be returned to me. Not a single person could tell me where the money is. The only answer I got was that the claim had been denied. 

Email : SunTrust Bank XXXX logo Dear XXXX, We couldn't complete your payment to Key Key ( XXXX ). This money won't reach its destination. 

As a security precaution, we have suspended your XXXX account. This means you can't send or receive money with XXXX. Contact us at XXXX or XXXX to resolve the problem. 

Payment Details Confirmation Number : XXXX Amount {$1500.00} From SunTrust Bank, Checking, XXXX  To Key Key ( XXXX ) We apologize for any inconvenience this may have caused you. 

Sincerely, Customer Service This email was sent to XXXX