davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
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. (NJ)

Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from XXXX  and 4 from equifax i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, XXXX  and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC (TX)

This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. XXXX was provided with a letter I received from Greensky stating the loan was paid. I also have proof showing Greensky was who deducted the FULL payment from my bank account.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (GA)

Citi offered transferring cashback into thankyou points to shop at XXXX. I transfer XXXX XXXX into XXXX thank you points. I log into XXXX and I find that my XXXX points are now worth XXXX to purchase. The fact that Citi is advertising that I can use citi points at XXXX without disclosing that i'd lose 20 % of the value is theft. If they stand by their offer as being fair, they should also allow for reversal of my thank you points into cash rewards, which they do not allow and declined when i called to ask for this.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC (TX)

I first learned about this when it showed up on my credit report. I disputed the debt in question through the credit reporting agencies to have it investigated. Both XXXX  and XXXX  investigated and removed the error off my credit report. But the collection still remain on XXXX. I reached out to the fitness company in question but they were uncooperative only saying " they didn't have a record and that is perhaps because it went to collections ''.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BAY VALLEY MORTGAGE GROUP (CA)

I contacted Pacbay Lending Group who is helping me refinance my home in which process started on XX/XX/2020. I called in to ask for update on my loan closing. I was advised only to leave a message for XXXX XXXX and left number and never received a call back. They advised me to connect with my referring broker and the broker said they haven't received any updates from this lender for several weeks already. I was advised by broker that i would be responsible for extension fees in which delays were all lender delays. I was also advised i would be charged a .5 % fee for loan not closing before XXXX. This is unfair and deceptive to charge additonal fees to borrower when it is clearly lenders fault for being unprepared and non compliant. My wife works at a bank and credit usually needs to be decisioned in 30 days not 45-50 days per this lender.
Consumer complaint received 2020-10-14
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. (TN)

I have payed off my XXXX XXXX account since XX/XX/2020. There has not been any report from XXXX for 2 months reflecting the account has XXXX balance. It shows on my Equifax credit report last reported payment was XX/XX/2020 balance is {$180.00}. This is an incorrect report. I made a my last payment with my XXXX checking account on XX/XX/XXXX for {$85.00}.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, My issue started when I opened a Checking Account via a promo offer through Bank of America. I had a credit card with BOFA before I opened the new Checking account, where I could make payments using a third party checking account ( ach debit ). The day I opened the BOFA checking, the third party account was instantly removed from my payment account options in my online banking/bill pay. This was extremely frustrating. Recently, I made a payment to my credit card without thinking that it was going to come from my BOFA account because I don't use that account for much. I keep a low balance in the checking as it is. I'm deeply concerned about the practices at BOFA where they don't allow their customers to use an external account to make payments. On top of this, the manager I spoke with ( XXXX XXXX at the call center refuted what I was saying when I told him that the account was removed. He didn't believe that the systems at BOFA would act that way. 

I simply believe to my core that this is a bigger issue than what it appears to be. Because of this issue, I was assessed an OD fee of {$35.00} to a checking account I barely use. To say this is frustrating wouldn't begin to describe how I feel about this scenario. Had my external account never been removed, we wouldn't be here. 

You can retrieve the calls from when I spoke with customer service ( Checking & Credit Card ).
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I printed a letter to XXXX, Equifax XXXX XXXX, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that responded were XXXX. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from XXXX  and Equifax. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from XXXX  and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, XXXX  states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for XXXX, XXXX XXXX & Equifax its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the  unauthorized inquires. 

XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX -- XX/XX/XXXX XX/XX/XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX COMENITYBANK/VICTORIA -- XX/XX/XXXX COMENITYBANK/VICTORIA -- XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX-- XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX -- XX/XX/XXXX
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

I believe that I was Sued in supreme court of a judgement against me from ( Pressler. Felt & Warshaw, LLP ) for the amount of ( {$1000.00} ) claiming to collect the debt of ( XXXX XXXX XXXX  ). but after trying to confirmed the information, which can't confirm not a single thing. I believe this is a act of Forgery on the primises of Falsifying Documents.

Reasons of Forgery 1st. Docket Number ( XXXX ) does not exist in court records, indicating there were no law sued file and won by Pressler, ( Felt & Warshaw, LLP ) of  any kind 2nd In my credit report and public records there are no mention of ( Pressler , Felt & Warshaw , LLP ) Judgement of any kind.

3rd The certified mail tracking numbers only indicted that it's were delivered, that's it.

no sender, or history of any kind.
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I notice some negative items on my credit report and sent a dispute to the 3 CRA ( XXXX equifax, and XXXX ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.
Consumer complaint received 2020-10-20
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: Conn's, Inc. (TX)

Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX   and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Earlier this year I received a computer generated form letter from JP Morgan Chase dated XX/XX/XXXX ( please review attachment 1 ). As of the letter 's date, I was out of town & returned outside of their 15 day window. 

I responded via e-mail to their executive team ( please review attachment 2 ) Received a call today from 1 XXXX at their Executive office ( XXXX XXXX ). She was obtuse & obnoxious. She refused to have the card reinstated even though I explained to her that due to the pandemic quarantine & travel restrictions, being out of town, I was physically not in receipt of their letter during that 15 day window to effect usage of the card. This is outrageous and unacceptable.
Consumer complaint received 2020-10-15
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: CITIBANK, N.A. (CA)

RE : Inability to receive issued Credit on my visa credit card for 2 air travel tickets XXXX and XXXX, credit card # ending in XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX XX/XX/XXXX I filed disputes with my Visa credit card for 2 airline tickets of {$170.00} each, against the travel agency/XXXX XXXX for not refunding my tickets. One of the charges was reversed XX/XX/XXXX, the second charge remained I contacted the travel agency and was told that I need remove the dispute in order for vender to issue a credit for both tickets. 
XX/XX/XXXX I removed the dispute XXXX 2 charges appeared back on my credit card. 

Since then I and the vender have been dealing with my credit card in order to help me credit back my account, but have been unsuccessful due to lack of cooperation from my credit card. 

I have a copy of XXXX- Refund exchange notice, dated XX/XX/XXXX, which indicates a refund for {$170.00} which was never issued as a credit on my credit card. 
On XX/XX/XXXX I received a letter from my bank that {$170.00} charge was reversed, but my account was never credited. 

Despite my multiple attempts, the credit card is not cooperating to resolve my issue. 

This information was provided to me by the vendor ( XXXX XXXX XXXX XXXX  ) Here 's the timeline of the chargebacks sent to XXXX polish by my bank : XX/XX/XXXX chargeback received XX/XX/XXXX chargeback reversed, credit for XXXX  XX/XX/XXXX - pre arbitration received XX/XX/XXXX pre arb accepted by XXXX  as a full refund for ticket, debit posted. 
CASE CLOSED in ccholder favor. 

As far as the airline is concerned : one ticket resulted in dispute in my favor and the 2nd ticket they refunded, but I did not receive credit amount on my credit card statement for either ticket.
Consumer complaint received 2020-10-14
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: Harvard Collections, LLC (NY)

There is a fraudulent collection account reporting on my credit. Despite attempts to contact the collection company ( harvard collection ) and informing them that this is NOT MY ACCOUNT, they continue to report on XXXX. Please suspend any further reporting and collections on this account
Consumer complaint received 2020-10-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patriot Finance, LLC (GA)

XXXX  XXXX  XXXX  is illegally trying to collect on a debt I originally had with Patriots Finance. This debt was in collection with Patriots in XXXX. I received a call from XXXX XXXX around XXXX of XXXX saying they were working with Patriots Finance to collect the debt. I offered them a settlement at that time not knowing they had purchased the debt from PF. A month letter, I get a credit update saying I owned XXXX XXXX a loan balance from XX/XX/XXXX. XXXX XXXX is claiming I have an open loan with their company. I have never filed any request or signed up for any loan with XXXX XXXX. They purchased a debt and turned it into an open loan with payments due. This is illegal. This debt was in collection for 4 years and now they are saying it is a current loan with missing payments. I reached out to the company and they refuse to adjust my credit report. This has caused me financial problems and a personal hardship. I have contacted the FBI and an Attorney to investigate the matter.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NJ)

I am the owner and operator of a former business, XXXX XXXX XXXX, and we have our bank account with TD Bank. Due to COVID-19, the business has been closed. As a result, I have made multiple requests to TD Bank to close our bank account and have the remaning funds returned to me ( my investment, and I opened the account originally ). They informed me that I must come to a branch in person to close the account, which I am unable to do due to health reasons and concerns around COVID-19. TD Bank 's customer service has continually refused to close my account, demanding that I come into a branch. There is a global pandemic happening, and certain people are at a high-risk. The XXXX has specifically recommended that high-risk individuals avoid public areas/gatherings, and TD Bank has refused to accommodate this. I have contacted the local news stations as well, including XXXX and XXXX XXXX, to broaden the story of TD Bank 's refusal to close bank accounts and making it extremely difficult to retrieve your funds. I am actively in discussions with reporters on this story and they are performing further due diligence. During a global pandemic, TD Bank 's behavior is borderline criminal and should be investigated by the CFPB.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Ive been having issues with a new policy that apparently Capital One has instituted regarding crediting payments to my credit card I hold with them. I actually do most of my banking with Capital One which is why it is even more baffling. My habit ( which hasnt changed since Ive gotten the card - there is no new behaviors ) is to make my day to day purchases with my Capitol One Quiksilver Mastercard and pay them off as the pending charges come through- which I monitor through the app. The app is a Capitol One product which links all the accounts I hold with them together. It was a seamless process- to pay my card and to pay my car loan. In the last month Ive had to call them 2-3 times regarding issues for my accounts being flagged. No fraud was committed or reported. 
Right now I have a XXXX balance on my credit card - I actually believe that once it all clears up they will owe me XXXX dollars or so. Today I was on the phone with them to try to fix this issue- they are holding two of my payments for 26 days to guarantee the funds? How is that possible or even legal? Honestly at this point I want to zero out my account and cancel due to this new policy. The only reason I have a XXXX credit line with them is that they are holding the payments. As I had pointed out to them via the phone call, XXXX and XXXX - checks clear in 5-7 business days. I pay them directly from a Capital One account to a Capital one account yet there is some reason my funds are in question? They also claim that there is no way / or that no person has the authority to release this hold- which I find baffling. In doing this they are creating a tangle of financial problems for me- as I have to shift any accounts associated this card to other places. 
The only explanation they give me is that there is a new policy in place. 

Also its not for all payments - its Just random ones they pick and choose to flag. There have been other payments made an accepted after the first hold was placed. If there is a problem it should be with all payments not just one here or there that foul up the whole system. That problem should be able to be addressed and corrected- not just shuffled off. 
I spoke with them today on XX/XX/2020 @ XXXX am - then also contacted them via XXXX and XXXX.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

This complaint concerns Synchrony bank, which manages the Amazon Store Card. On XX/XX/2020, I filed an " Unauthorized charge '' dispute with the bank. I still have not received a resolution. What upsets me is that the bank CONTINUES to send me statements, charging me late payment fees and interest. My online account says that my account is NOW delinquent. I have not yet checked if the bank has been reporting me as " late '' to the credit bureaus. If that has been the case, I would be even more upset! This is outrageous. I contacted XXXX via my online account, informing them ( schooling them! ) that when a customer disputes a charge, they receive something called : PROVISIONAL credit. The disputed amount is temporarily credited, and NO FEES are assessed. Apparently, that's not the case with this bank? Also, I am sick and tired of US banks forcing their US customers to deal with incompetent or poorly trained XXXX agents in foreign countries, usually XXXX. The problem ( and I speak from EXPERIENCE ) is that very often these people do not think! When you send them a SPECIFIC question, they write back with some infuriating " cut and paste '' response. In my case : my complaint has been routed to the Fraud department. Is that department based in XXXX too? Probably. The bank can take as long as it wants to investigate my case. In the meantime, I want the disputed charge AND all fees removed. Furthermore, if the bank has been reporting me as " late '' to credit bureaus, that should be fixed too. Thank you.
Consumer complaint received 2020-10-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (ME)

I have been unable to get in touch with my mortgage company to ask about a streamline refinance for a new rate and also to remove my PMI. Everytime I call, I'm on hold for 45 minutes or more and have to hang up because I only have so much time on breaks from work to speak to them during business hours. I know these are two separate issues but I can not get a live person on the phone to address my questions about either.
Consumer complaint received 2022-09-14
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: U.S. BANCORP (IA)

Ive had the XXXX XXXX credit card for over 10 years. They recently switched the cards from USBank to XXXX. USBank neglected to send some customers ( including me ) their last bill before the switch. Therefore the bill was not paid and XXXX assessed late fees and interest fees to those affected. USBank admitted the mistake to XXXX and XXXX ( but not me ) so XXXX agreed to waive ( credit back ) the fees. However, the delinquency and the fees may get reported to the credit bureaus and affect our credit ratings. I am in the process of applying for a home loan for which they will check my credit. I simply asked USBank for a letter explaining their mistake so I could show that to my lender to prove the delinquency was not my fault. USBank VERY RUDELY and repeatedly refused. I asked XXXX for a letter and they refused as well. I have asked XXXX for a letter too but havent heard back. I am one of many innocent victims in this horrible situation and no one will help me.