davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
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: Experian Information Solutions Inc. (SC)

This is about the account XXXX XXXX on my credit report. It has been removed from XXXX  but not XXXX  or Experian even after several disputes. This was a fraudulent account and the company agreed to remove it if I paid it off in years ago but after paying it off at the time of agreement they never did. The amounts and dates reported are incorrect from one report to another. Also this account is over XXXX XXXX XXXX. Legally with age and incorrect information it should of already been removed. XXXX XXXX  is as follows, closed on XX/XX/XXXX, last reported XX/XX/XXXX, balance XXXX, opened XX/XX/XXXX, On EXPERIAN it states as follows opened date XXXX XXXX XXXX ) XXXX, balance was XXXX XXXX XXXX, highest balance ( XXXX XXXX, status update XX/XX/XXXX with no day of the month. I have disputed this under fraudulent account, company not sticking to agreement, incorrect dates, incorrect balances, and the age of the account which is the reason XXXX  deleted it without incident. I am sure it is also on other reports such as XXXX XXXX, and XXXX XXXX XXXX. From what I have read it should have been deleted from all of them by law due to the reasons listed above.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

I've been an American Express customer since 2013. I've always paid my bill in full never racked up interest charges and never missed a due date and my credit score is over 780. I had the personal American express platinum card and the business XXXX honors card. On XX/XX/XXXX, I took a trip from XXXX, FL to XXXX, FL to propose to my fiance in XXXX XXXX. Prior to the trip, I added my business bank account to my business card account to make payments to be consistent with business bookkeeping. I made a payment for {$7200.00} from my business account to my on my business Hilton honors card ending in XXXX and it was returned and I got an email from American express telling me that all of my accounts. ( personal and business ) were closed. The personal American express platinum card and the business Hilton honors cards were the only cards in my possession at that time, so I was stranded 400 miles away from home with two cards that American express closed without warning. Upon further investigation, I realized that I missed the business bank account number by 1 number therefore my account number was wrong and that was the reason for the returned payment. I've tried explaining this to American express and this fell on deaf ears. Since this happened I was able to enter the correct account and paid my balance in full to AMEX. I have been a loyal customer of American express since 2013 and it's a shame that they treat loyal customers this way.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

Before the Pandemic, making my monthly credit payment to care Credit was not an issue. 
During this Pandemic where I notified the credit card company numerous of times in regards to making payments were to no avail. 

My issue with care Credit is how can this enormous credit business offer no COVID Relief plan to extend payment payments or offer payment options. 

The only option they had was pay your regular monthly payment with interest and fees, or close the card with no interest and late fees. 

May sound good to close the account, however they are not looking into an individuals credit impact on closing a card. 

I am extremely displeased that every other card company had flexible, understandable payment plans due to an era we ( Americans ) had no control over. 

I believe this company has no good options on trying to help their consumers during this pandemic, but just shutting the doors behind us, and seemingly giving us a bad score. 

The option they had was reapply after the card is pad. re-applying for a card will cause another impact on our credit score that already seems to dwindle at this time. 

Thank you
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

i have challenge multiple the credit bureaus for them, due to inaccurate information on my credit report and it keep coming back verified, i ask them to provide me with proof that they did a investigation and failed to do so
Consumer complaint received 2021-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

Letter sent to the lender : Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department of Financial Institutions and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX CC : Federal Trade Commission Better Business Bureau Florida State of Finance
Consumer complaint received 2024-09-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Upon conducting an investigation into the matter, Bank of America has reported that there is no record of balance inquiries or declined transactions due to insufficient funds or card closure. According to Bank of America, these findings suggest a knowledge of the available funds or card status. The transactions in question originated from my residential address, and there is no indication of irregular aggressive spending or a high frequency of transactions. It is noteworthy that these transactions ceased when the balance was depleted and resumed upon the replenishment of funds, indicating an awareness of the account balance. Furthermore, Bank of America has verified ATM footage and performed a comprehensive assessment of the associated risks before processing the XXXX XXXX transfers, involving the submission of two forms of identification for verification at a branch. 

The reasons provided by Bank of America for rejecting my claims have been effectively refuted by the documentation I have presented. I have consistently communicated to Bank of America that I had no control over the account and was unaware of any activities until I received correspondence regarding a filed claim. Upon receiving the notification, I promptly contacted the bank to emphasize that I did not initiate the claims or any associated transactions. Moreover, I have diligently furnished substantial evidence of my whereabouts during the transactions, including employment records, apartment lease, and bank statements from another institution. Additionally, a submitted photograph clearly indicates the absence of tattoos, in contrast to the individual depicted in the ATM footage. The lack of tattoos serves as compelling evidence to establish that I am not the individual in question. Every reason cited for the denial of these claims has been thoroughly addressed and substantiated with documentation on multiple occasions. In my assessment, Bank of America has failed to acknowledge and redress this situation, despite the evidence provided. The genesis of this situation dates back a few years when I did not receive my initial debit card and encountered difficulties in reaching Bank of America via telephone. Despite enduring hold times of up to XXXX hours per day for several months, my calls were either disconnected or went unanswered. While I acknowledge the challenges posed by the pandemic, I find Bank of America 's failure to deliver adequate customer support and safeguard its customers unacceptable. I urge Bank of America to rectify all transactions associated with these claims and any others that may have transpired and to credit my account accordingly. I appreciate any time and effort dedicated to assisting me with this matter. Thank you.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

I made a card to bank transfer from my pua card from us bank on XX/XX/XXXX for {$770.00} it posted in my checking on XXXX/XXXX/XXXX. On XX/XX/XXXX us bank reversed the transaction stating I needed to fax Id then they would refund my account. On XXXX I faxed Id, on XXXX they unlocked my card. I have called over 15 times to see where my money is and get told give it 5 days every time. Now I was given a tracking number and told there is nothing else they can do. I contacted the bank the tracking number is for, which is not mine, and they stated the number only shows them tacking the money back it was never refunded, I call us bank back and is told they cant help me anymore. I have no clue how to get my money back or who can help me. It has been over a month and no one can tell me where my money is.
Consumer complaint received 2021-03-09
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: ERC (CA)

I have disputed Enhanced Recovery Collection several times with XXXX  and they are still reporting erroneous and inaccurate information. I understand the FCRA laws and this is why I am filing a complaint with the CFPB now.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

We had mortgage with XXXX XXXX  from XXXX. When pandemic start we took 6 months forbearance from bank and we have been told there is no penalty or extra interest for not paying mortgage for 6 months. Everything what we did not pay is going to extend our payment period for 6 months. In meantime XXXX sold our mortgage to Carrington and they told us that all terms what we have with XXXX stay the same. In XX/XX/XXXX we continued to make regular mortgage payments to Carrington. They send us 3-4 times done papers to sign regarding forbearance. We did and I find out how they charge me almost {$8000.00} for some extra interest for not paying mortgage and plus they extend my paying period for 2 more years. If I want to left them and go with another lender, I have to pay them more then my original mortgage was 6 years ago, regardless I already made around {$80000.00} in payments toward mortgage. I called them and they refuse to go anything yo correct that. They said how I sigh to be agree with that, I wouldnt never sign something like that if I havent been somehow tricked to do that, or mislead with some high profile language where I didnt understand everything correctly. I think that their actions is wrong and damaging for me without any reason, especially their refusing to fix it. I am not able to hire law firm to finish my business. 
Think you for understanding,
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In XXXX, I learned that my Mortgage note with XXXX XXXX XXXX  had been sold to XXXX XXXX  XXXX. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, XXXX payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called XXXX to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I had a Home Depot Citibank Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong. 

I called both XXXX XXXX and XXXX XXXX. XXXX XXXX said that maybe it was not reported too XXXX. I called again and then they said that they don't report to the credit bureaus etc. I also called XXXXXXXX XXXX  and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called XXXX XXXX and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by XXXX XXXX. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to XXXX. Well, they did not verify it because I paid it in full to XXXX XXXX XXXXXXXX XXXX  I contacted XXXX XXXX back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.
Consumer complaint received 2021-03-10
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: Experian Information Solutions Inc. (AL)

The account with XXXX XXXX on my credit report is reporting incorrect information that I have disputed several times with Experian. The balance is reporting as {$830.00}. The past due balance is reporting as {$1100.00}. This information is not right. THERE IS NO WAY THE PAST DUE BALANCE IS MORE THAN THE BALANCE. I have already disputed this information and Experian did not correct the information or delete the account. They allowed the company to verify this OBVIOUS inaccurate information as accurate. ALSO, the account payment status is reporting as 180 days past due, but the account has been charged off since 2018. How is the account 180 days last due??? This is CLEARLY WRONG. I have disputed this information several times.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

A hard inquiry was made on XX/XX/year> by BARCLAYS BANK DELAWARE without my consent. 

Bank XXXX : BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-03-11
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: Experian Information Solutions Inc. (OH)

I have inaccurate information on my Experian consumer report. I have made several attempts to resolve this with Experian but have been met with noncompliance and they are still violating my rights as a federally protected consumer. I sent debt validation letters to the following companies after they provided inaccurate information to Experian. The listed companies have yet to respond to my request for validation of these alleged debts. During the validation period Experian and the listed companies have taken detrimental action towards me as they have continued to furnish this information on my consumer report. I would like the information to be removed due to the fact that none of this information has been validated. I have included the United States Postal Service Certified Mail return receipts as proof of my correspondence with these companies. The companies/accounts are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX  has refused to update the status of accounts despite me providing information from the creditors agreeing to delete tradelines. Inquires deemed fraudulent by two other bureas, XXXX refuses to acknowledge. Any conversation ends with the customer service representative hanging up and the dispute status online never updates
Consumer complaint received 2021-03-10
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: RFNA, LP (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... REPUBLIC FINANCE XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-11
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. (FL)

Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX  # XXXX I was never late, on Transunion and XXXX stated that i was paying " Exceptional '' but XXXX has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never late
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (PA)

I contacted this company due to a bill of {$3400.00} showing on my credit report which I wanted validated because I have no knowledge of this bill. I sent them a request for validation on XX/XX/XXXX and they did received it on XX/XX/XXXX at XXXX XXXX in their offices I gave them 30 days to reply but I did not received anything from them I gave more time and again wrote them on XX/XX/XXXX and they received the letter in their offices on XX/XX/XXXX at XXXX XXXX and today is XX/XX/XXXX and I never have received a letter from them and was advised by my lawyer to submit the complaint here because by law the only have 30 days to validate the debt and since they received my first letter on XX/XX/XXXX over 90 days In which I have not received a reply and due to their actions in failing to responding me in time and not receiving any letters from them I want this account deleted from my Credit Report. I will send attached documents and the certified mail receipts for further proof. This is irresponsible from them and this is affecting my credit.