davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CUSTOMERS BANCORP, INC (NJ)

I applied for a PPP loan with XXXX on XX/XX/2021. This was basically the 1st day I could apply for my business. 2 months have gone by & there have been nothing but problems. XXXX is stating they are getting the loan through Customers Bank however today I was notified that there is no loan! This is after they made me jump through hoops for all kinds of additional information that was never requested or required of me from the beginning. None of my counterparts that filed for PPP loans had to submit close to any of the information I had to submit. Everyone I know that submitted an application for a loan was funded a long time ago. I am a real small business & I don't see any of the large businesses or the larger loans being denied. This is complete fraud & discrimination.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service (FL)

I sent a certified dispute and debt validation letter to the collection company asking them for debt validation. The company did not respond to my complete lines of request. The collection company did not follow any FCRA requirements. The collection company flagged XXXX before sending me anything back in writing. I checked my credit information a week ago and to my surprise a collection debt in the amount of {$6800.00} is in my credit report. I know my rights as a consumer. I have a positive history of paying my bills on time. This company has called my phone repeatedly and my relatives cell phone non stop after I asked them to stop. No debt validation information was sent to me at all nor was there any legal contract between the collection company and myself stating that I owe them. This company simply placed this collection in my report without any debt validation and it is a violation.
Consumer complaint received 2021-03-29
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I sent you letter XXXX requesting an an investigation into any unusual items on my credit report. I have not received a letter from you, nor have I received any evidence that an investigation has begun. Section XXXX XXXX a ) clearly state a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been XXXX  days over so they should be deleted promptly.
Consumer complaint received 2021-03-29
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. (FL)

I have sent a method for verification letter, requesting information in detail on how my alleged late payment was verified. I have NEVER been late in the over 6 years I've held my XXXX XXXX card. The bureau alleged that I have XXXX late payment in over 6 years of having the card. When the copy I just sent shows there are several inaccuraties in my credit report dealing with my XXXX XXXX account. By law, XXXX XXXX of my information is supposed to be accurate and it clearly not accurate. 

Please provide me as my letter states the method of verification or remove the late payment from my credit report.
Consumer complaint received 2021-03-29
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. (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 US DEPT ED XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX  ( Original Creditor : 08 XXXX XXXX XXXX  XXXX 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 2021-03-29
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. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-29
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: PRONTO FINANCE INC. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

I have contacted the mortgage servicing company 4 - 5 times to get them to report my timely payments to the credit bureaus but they respond with I must reaffirm a loan with the bankruptcy courts. I have not been in bankruptcy since XXXX and received a new loan on XX/XX/2017. My attorney has contacted them and informed them that Colorado does not re-affirm mortgages but SPS Servicing continues to send generic generated letters that I need to reaffirm my mortgage. The bankruptcy courts are informing me to contact my attorney and round and round I go.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WI)

I opened a secure credit card with citi bank last year I had XXXX XXXX on time payments right before my first year mark was coming up citi bank closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not citi bank
Consumer complaint received 2021-03-29
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. (WI)

I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX on time payments right before my first year mark was coming up XXXX XXXX  closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not XXXX XXXX
Consumer complaint received 2021-03-28
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. (TX)

Equifax has a note on my XXXX XXXX that it was resolved in a dispute. 
The fact is that this is a brand new card that I just received in XX/XX/2021 and have never disputed anything on it nor do I need to as there has not been enough time for anything to go wrong. Equifax did not remove the remark when I disputed it and another fact is there are no documents to support this remark or any legal record to support this remark. 
I have not asked for the remark.
Consumer complaint received 2021-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (LA)

Purchased a new vehicle in XX/XX/XXXX and last payment scheduled for XX/XX/XXXX. Lender engaged in negative amortization and did not apply payments towards principle as required. Lender is attempting to collect or have me refinance left over negative amortized interest at end of loan maturity date. Lender is under lawsuit by Attorney Generals AA part of multi-states settlement ; required to offer waiver loan balance and release of titles to lenders. They classified lenders with some " internal code '' and loan/lending practice that result in consumers at risk if default, repossession and adverse credit ratings. Loan and lending practices result in loss and negative impact on consumer. When contacted the lender, Santander Consumer Bank, refused to explain how there can be any balance left when all payments made on vehicle ; would not explain or provide me with " internal code '' used or even explain it. Customer service would not allow me to go up chain of command to discuss problem with so called " administrators '' and just hung up on me several times or passed me around to it her reps. Company engaged willingly UN predatory practices that area illegal and unfair. Considering they are already under scrutiny by various states attorney general 's offices to provide refunds, release of titles and waivers to consumers impacted by their predatory loan and credit practices, one would think they would work hard to redress and offer relief and make amends for their illegal and unfair actions that negatively impact customers.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

Discover on XX/XX/2021 drafted out of my checking account for a payment of {$100.00} this wasn't authorized by me. After with my bank paid the item but charged me {$35.00} overdrafted fee and now my account is negative. Talked to rep on XX/XX/2021 at Discover and after review stated it was their error and I should call the bank and explain. Also stating that Discover will send a check to me for the amount of {$100.00} for the error. Now not only was this not authorized but I made a payment of {$500.00} just prior to the XX/XX/XXXX. This is a great inconvience to me and can't use my bank account now because if I deposit money it will go towards the negative balance.
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Comerica (CA)

My second stimulus check for {$600.00}. was scheduled for XXXX deposit. The money was deposited into an closed acct. that was not mine. # XXXX. I had to contact the IRS on XXXX XXXX and they recovered the {$600.00}. and told me they have to mail it to me and it would take 5 weeks and I still waiting for it. Now, they sent me my XXXX. stimulus and it was schedule to be deposit on. XX/XX/XXXX into that same # acct. XXXX which is not my acct. My acct. # XXXX which I closed onXX/XX/ So, I need someone to look into this matter and close out the acct.XXXX. Now, I have to contact the irs again, so they can recover the check and mail it to me. I just received my new card. So, I'm requesting that someone look into this matter and close out that acct. XXXX. If you need to contact me. ( XXXX  ) XXXX Thank you kindly.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

SunTrust Mortgage began collecting escrow without notifying me. They then put 5 months of P & I payments into a " suspense '' account and reported me as {$13000.00} behind in payments. I never missed a P & I payment and they never communicated to me that they began collecting escrow ( for flood insurance ) or that my account was considered multiple months past due. Only after I called to get my 1098 tax form did they inform me they were collecting escrow and that my account was past due.

The entire issue was SunTrust 's fault for not communicating escrow requirements to me. I filed a previous complaint and they finally looked into the issue and admitted fault for not communicating. They corrected all my payments and refunded late penalties, but, for some reason not clearly explained, they refuse to correct my credit report and claim that it is accurate.

SunTrust is basically holding my credit score hostage to prevent me from refinancing the mortgage as rates are at record lows.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (PA)

An unauthorized Ace flare account XXXX  checking account has been opened using my identity. I received a Visa debit card # XXXX XXXX XXXX XXXX exp. XX/XX/XXXX and activation instructions on XX/XX/XXXX. I have attempted several times to call the Ace flare account number phone number - the prompt only lets you activate the Visa debit card or report lost or stolen cards. The XXXX XXXX  phone number - the prompts choices are tax info, XXXX cards pertaining to stimulus payments and unclaimed property. I called XXXX XXXX XXXX only branch no one answers just a busy tone. I emailed XXXX  XXXX  customer service - their reply was we don't deal with individual accounts but gave me a customer service number. That number had me on hold for over 2 hours till my cell phone battery died and couldn't continue.
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA Bank Fraud XXXX XXXX account Impersonating representatives accessing account stating account closed. 

Check mailed for remainder of account. 

No verification of account closed. Letter from USSA state changes not closure to account. 

Also current screenshot current status of truck claim fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Timely Payments Made : I submitted my payments and prior payments on the due dates, with confirmations showing the payments were processed before the due dates. 
Clerical or Processing Error : There appears to have been a clerical error or delay in processing my payments on XXXX 's side, which resulted in the account being marked as 30 and 60 days late. Despite providing bank statements and payment confirmations as evidence, this incorrect late payment entry remains on my report. 
No Notification Received : I never received any notices or warnings from XXXX regarding these supposed late payments. This lack of communication further supports the claim that the late payment entries are erroneous and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

We purchased our current home on in XXXX and never missed a payment. My husband was unlawfully terminated, XX/XX/XXXX. His case ( # XXXX ) with the EEOC is pending resolution. 

Due to this reduction in income I applied for hardship/forbearance in XX/XX/XXXX. Wells Fargo granted 6 months and soon thereafter COVID-19 hit. As with the rest of the world and specifically 'Americans ' we are doing everything we can to protect ourselves, children and global community. This type of recovery doesn't happen immediately. And, the call today with Wells Fargo leads me to believe economics is being touted over ETHICS. 

We are simply requesting an additional 3-6 months forbearance ( as the President mandated ) until XX/XX/XXXX to regain our footing and then refinance to keep our home ( which also serves as my business ).
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I am a victim of fraudulent/inaccurate accounts appearing on my credit file. I have sent complaints to the credit bureaus for the last 120 days and my issue was not resolved. My rights as an consumer are being violated according to the Fair Credit Reporting Act. My general reputation is being tarnished which is hurting my ability to obtain credit. I am XXXX XXXX and financially, I will seek remedies if my issue is not resolved immediately. The credit bureaus have failed to resolve my issue which I was more than patient in waiting for a resolution so I filed a complaint with the Federal Trade Commission for fraud. The fraudulent/inaccurate items are still appearing on my credit file and I need them removed immediately.
Consumer complaint received 2021-03-28
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)

I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my Transunion / XXXX  and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though TRANSUNION / XXXX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.