davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

1. BANK OF AMERICA- They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 

During this process the credit bureaus lowered my credit score by 100 points, then BOA, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information Bank of America ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from BOA claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from BOA and XXXX. 


2. XXXX XXXX Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.
Consumer complaint received 2020-11-26
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: ALLY FINANCIAL INC. (KY)

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Consumer complaint received 2020-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/2020, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CAPITAL ONE add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Consumer complaint received 2020-11-26
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST (CO)

Hi I have a loan with bank of the west they reported me having late payments on my account which isnt true I have auto pay on my account and they have been taking it from my bank of the west account each month on the XXXX of the month since I opened the account I have never been late with this account
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to a Bank of America atm on XX/XX/2021 to deposit {$3000.00} cash. All of a sudden the atm stopped working. I did not get a receipt about my deposit. I immediately contacted customer service and was told to leave and they would investigate. They credited the money to my account. I received a letter saying the investigation didnt show my deposit and the money would be taken out of my account. I went to the local branch and was told they would further investigate and that they would not take the money out. The {$3000.00} has been taken out my account now leaving me in the negative. I left the ATM because I was told too, I told them I would stay until someone showed up to fix it but they said NO that they would send some the next day. Customer service confirmed the ATM had messed up, they said it had lost network.
Consumer complaint received 2021-01-05
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 disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX, XXXX XXXX XXXX XXXX Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IL)

I received a call from phone number XXXX on XX/XX/2020 from a woman identifying herself as XXXX from Convergent. She stated that she is a debt collector and this is an attempt to collect a debt. She stated that I owed some amount to XXXX and asked how I would be paying. I responded that I had never heard of her company, Convergent, and that I needed for more information about the debt before proceeding. 

I waited for the initial notice to arrive in the mail over the next couple weeks and I still have not received one. The Fair Debt Collection Practices Act provides that a debt collector must provide this within five days of its initial communication with an alleged debtor and Convergent did not do so.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for the American Express Magnet card with the following two promotions : 1 ) 0 % APR for 12 months 2 ) {$200.00} cash back after spending {$1000.00} in the first 90 days. 
When i chatted with American Express customer service - I am told that i am not getting either of the promotions. I feel cheated - if that was the case - I should be told in advance and I won't have opened this card at the very first place. This is dubious act and fooling the customers. 
Moreover Amex doesn't let me send the chat to my email nor let me print it.
Consumer complaint received 2021-01-05
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/XXXX, 2 USPS money orders for {$1000.00} each were deposited into my account. The account was promptly locked by Chase 's fraud dept. After numerous customer Service calls, I was told to physically go to Chase 's physical branch to verify the money orders, and I completed all requested actions to verify them. Then, a few days later, on XX/XX/XXXX, the 2 Money orders were debited " Debit DDA - Check Charge '' and removed from my account in 2 {$1000.00} transactions. A few days later, {$1000.00} was credited to my account, and on XX/XX/XXXX I withdrew the {$1000.00} balance. As of XX/XX/XXXX, {$1000.00} is still missing from my account and dozens of hours on the phone with Chase Customer service has yielded nothing. As of today, the account was recently blocked again pending closure, with no letters/emails/communication whatsoever updating the status of my missing {$1000.00}. This is the worst banking experience imaginable for a small business owner. It's illegal to take valid, verified funds, and close the account. As of right now, I can't even access this the transaction history as the account is " closed '' and they refuse to re-open it. The only resolution I receive in exchange for hours of my time is " an email is being sent to the back office that handles releasing the funds back to you, you'll hear from us in 4-5 days. '' Due to the appalling customer service quality, this never happens.
Consumer complaint received 2021-01-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC (VA)

The loan was taken from Omni financial of Nevada, in which they have given the debt to a company named XXXX XXXX  XXXX XXXX. I spoke with a lady name XXXX XXXX on XX/XX/XXXX, she " stated '' that she has to put a request in for the manager to contact Omni in order for them to send me any statements or a copy of the contract. I was able to get their address which is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I did follow up on XX/XX/XXXX regarding if they were able to send me the statements and Omni told them " that they are not going to send out any documentation due to me being stationed in Hawaii because it was a personal loan through the Hawaii internet lending '' and they gave XXXX XXXX a " verbal '' of why I owe the money with no documentation. The total amount is {$8000.00}, and the account went into collections in XX/XX/XXXX. XXXX XXXX received the account with a balance of {$4800.00} and they are charging me {$3100.00} in interest and Omni is only willing to settle for {$6000.00}. 

As of today, XXXX  has the loan reported as a note loan that was closed on XX/XX/XXXX, and has been charged off since XX/XX/XXXX. The original balance of the loan which XXXX  has reported as of XX/XX/XXXX was {$3300.00} with a past due amount of {$8500.00} with an interest rate of 33 % I believe. I have spoken with a Jag attorney ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) he has requested me to submit a complaint with the CFPB.
Consumer complaint received 2022-08-17
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted dispute letters to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the account : XXXX XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2021-01-05
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Hi, I woke up on XXXX to my CITI mobile account saying " account closed '' I called CITI as I did not close my account and was told that there is a block on the account. FOUR hours after being on the phone and being told " we don't have a supervisor to help '' I have direct deposits coming into my account and absolutely no idea where my money is. I have gotten nowhere. Tried calling the Corporate office and was told that they will take 15 days to investigate. FIFTEEEN days? Where is my money. I work very hard for my money and trusted CITI with it and now I have no access to my money and have bills to pay. This is unacceptable.
Consumer complaint received 2017-09-14
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. (IL)

I submitted information to all 3 bureaus about bankruptcys on my report and XXXX and experian have not followed suit abd XXXX removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also XXXX has continued to update and afe accounts that were closed! Like XXXX XXXX  which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX  car6d and XXXX XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

They're reporting a debt I never agreed to. Out of the blue, I found out CREDIT COLLECTION SERVICES put a debt on my credit report. The thing is, I never agreed to this debt. I never signed anything, never shook hands on it, nothing. It feels like they're trying to force me to pay something I don't owe. 

There's no real contract. I've always believed that for a debt to be valid, there needs to be an agreement between two parties. But I never made any agreement with CREDIT COLLECTION SERVICES. I didn't sign anything, I didn't agree to anything verbally - there's just nothing there. How can they try to collect on something that doesn't exist? 

They didn't follow the rules to prove the debt is real. From what I understand, debt collectors are supposed to follow certain steps to validate a debt. CREDIT COLLECTION SERVICES didn't do any of that. They didn't send me a notice about the debt. They didn't tell me how much I supposedly owe or who I'm supposed to owe it to. They didn't tell me about my rights to dispute it. 

This whole thing feels unfair and deceptive. Putting all of this together, reporting a debt I never agreed to, trying to collect without a real contract, and not following the rules to prove the debt is legitimate- it just feels wrong. I feel like they're trying to trick me, and it's causing me a lot of stress and worry.
Consumer complaint received 2018-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (TX)

I 'm a single mother of XXXX. Me and my kids were victims of Hurricane Harvey. We lost everything I contacted BMW Financial to let them know we had been displaced. They offered to push 2 loan payments to the back if my loan. I had to contact them numerous times to send the extension contract for me to sign. XXXX XXXX, 2017 I called in and requested 1 more extension. My company closed permanently because of the damages from XXXX and I just started a new job. The rep I spoke with said it was approved and I did n't have to worry about a payment untill next month. 

They deceived me and reported to my credit that I was late and put my vehicle into repossession status. I was promised a service from this company that I never received. When I call customer service they all give me different answers. I ca n't get a straight answer from anyone. They all have a bad attitude and have been very rude to me. I will never do business with them again and would not recommend any one too do business with them either.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (PA)

When the IRS sent KeyBank corp my stimulus payment, KeyBank instructed myself and others that any IRS stimulus payments would not be posted until XXXX on XX/XX/XXXX. KeyBank did not post my ACH stimulus deposit on XX/XX/XXXX, despite the IRS sending it to them. KeyBank can not give their customers proper answers as to when their stimulus checks will post, despite telling myself and multiple other customers that they would post on XX/XX/XXXX at XXXX XXXX. Furthermore, the IRS indicates that my payment was sent to Keybank and KeyBank has refused to post that deposit, but they have been posting numerous debits that are also dated XX/XX/XXXX.
Consumer complaint received 2021-01-05
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (SC)

I have been working for more than XXXX to have an account that has aged out be taken off my credit report. The credit bureaus seem to keep me in dispute without actually doing any investigation on its own and just taking this company 's word even when I show that it is wrong. They say they can not look back to see when a company reports an account delinquent. This account from Santander/Drive Financial has been on my report since with the first delinquency being reported in XXXX XXXX ( after I lost my job ) However, they now show a delinquent date of XXXX and have farmed the account to a collection agency ( XXXX ) which tells me that because they now have the account the clock starts over for that account. I have been told by both the credit bureau representatives that there is no such thing as a " consumer disclosure file which contains a comprehensive history of your credit information under FCRA Section 609 ( a ) ( 1 ). Please help me stop this company from circumventing the law for their gain, at the expense of the consumer. XXXX XXXX
Consumer complaint received 2021-01-05
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: EQUIFAX, INC. (CA)

I sent in a dispute to Equifax regarding XXXX. The info doesn't match real time issues that took place. Instead of fixing it they keep updating the date which means it stays on my report many more years longer than it should. My goal was to force XXXX to update the information on XXXX XXXX and Equifax. Either Equifax failed to send the request to the creditor or the creditor ignored it. That seems to be common place with both companies. XXXX is not the most ethical company and neither is Equifax. So my complaint is regarding both 's failure to correct an issue that was simple to fix. It needs to be identical on both reports period! This updating the date constantly is not fixing nor resolving the problems. Therefore I'm not letting it go! I will go to civil court on both if this is not corrected! See the highlighted info on the bank statement, highlights on page 2 of the original letter sent to Equifax and Equifax 's lame response attached that's still not corrected. Even the date the credit was received is inaccurate on Equifax 's response! It just gets worse! All info is on XXXX 's correspondence to me.
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc. (MO)

Purchased car w financing through car mat car caught fire while sitting without anyone near it or in it within the first 48 hours. Car mart exchanged car taking responsibility for fire. They did not replace my items or assist me with medical from me burning hand while putting out fire. They put me another car that lasted less than 4 days due to it over heating XXXX Down I believe. I had to cover the towe of car back to the facility. From there they gave me the run around for two months and lied to my insurance about be not being compliant. They refused to tell me where my car was and they put me down as non payment and repossession now sits on my credit. Car mart stole car
Consumer complaint received 2020-11-21
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. (PA)

I am filing this complaint because Transunion has ignored my request Multiple Times to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 45 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank you.