davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (FL)

Barclays Bank account ending # XXXX because the reported late was a result of Covid, I had a personal loss during covid and I ask that due to the unprecedented times and the natural disaster declared by FEMA that you can update the report to paid as agreed or not reported in the month you are reporting the late pay.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Syncrony Bank send me to collections for an account that is already paid! 

XXXX XXXX  XXXX called me a few times to try to collect on a debt that is paid off. 

I called Syncrony Bank and they said the account was send to collections with " XXXX XXXX  XXXX  '' I have called a few times already, to take care of the issue, I dont get any help from both parties. and it shows on my credit as collection account.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NV)

I purchased a XXXX product and financed it with TD Retail Card Services. I electronically overpaid the balance by {$350.00}. I contacted their customer service for a refund of the overpayment and was advised that I must wait 16 days from the date of the last overpayment to get my money back. I spoke with a supervisor named XXXX who advised that the 16 day wait is " their policy ''. 

I don't understand how they can hold my overpayment for 16 days when the account is paid in full and I have requested a refund.
Consumer complaint received 2021-03-22
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: Credence Resource Management, LLC (NC)

I contacted all three credit bureaus told them that there was fraud on my credit that the collections accounts that were on my credit were related to my ex-wife they were her accounts with her information and I had nothing to do with any of it as I was XX/XX/XXXXwhen these accounts opened and put into collections
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (NY)

On several occasions, my checking account had funds debited from the account without notifying me like they did in the past. Although, the monies have been returned, I have 3 inquiries on my credit report that are fraudulent.
Consumer complaint received 2023-06-01
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. (AZ)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.
Consumer complaint received 2023-06-01
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. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXXXXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX COL. DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I just want to tell people that the credit card from Capital One does not cover fraudulent transactions. Just stay away from it. They think that in one day I was able to skimp at a supermarket in XXXX and then the next day fly back home to the United States and refuel or buy something at a gas station. Their clever specialist in fraudulent operations thought so, no logic at all, especially with the situation now with the coronavirus. 
There was a transaction in another country and they wrote to me that I received benefitted from it. Very funny and commendable. I know that they will not revise anything ... Just for recall. Ugh, how disgusting.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I opened a credit account with a jewelry company. The account reported for a month and then disappeared. The account is still active and in good standing and its sudden disappearance adversely affected my credit score by lowering my available credit and raising my credit utilization.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I received an SBA PPP loan for my business into my Capital One account for my XXXX XXXX business. I made payments from this account leading all the way up to when I went to make a deposit into my savings account to ensure I follow the PPP guidelines for loan forgiveness. There are no Capital One banks anywhere here in California, so when I deposited my check on XX/XX/XXXX it went directly into the checking account the check was written from prompting Capital to place a freeze/hold on my account. I first was informed that through email that same day of my account being placed on hold and to call in order to verify what was going on. I called that same day but the offices were closed. I called the following day on XX/XX/XXXX and informed them of what happened. A lady spoke to an investigator who then asked why there was payroll in the memo and this is a personal account. I proceeded to let her know that I am a self employed person ( XXXX XXXX XXXX ) that received a loan from SBA and was following the terms to ensure the loan was forgiven. She began to tell me that I could not receive a business loan in a personal account and stated that I would receive an email with instruction on providing proof that I am in business. I never received that email, I called 2 days later to find out there was no movement with my account. On XX/XX/XXXX, I still hadn't heard from Capital One, so I called and found out that there were documents I needed to submit ( no email had been sent to me as previously stated ). I provided the required document and was informed that a specialist would be assigned to the account. 2 days later, someone was assigned to my account and has looked over the required document but yet has not made any notes on my account. I have called everyday since I submitted what they required, however, they continue to tell me they can not give me a timetable as to when this will be resolved. This has been such an inconvenience and no seems to want to help me. I have bills that have gone passed due as a result of this and I can not pay my rent or anything becuase they will not give my account the attention it deserves. 
I am requesting the immediate release of my funds and the restrictions removed from my account. Case # XXXX
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please help me, I have disputed previously a couple things with Transunion, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

after multiple complaints and disputes i finally heard back from a compliance specialist stating account would be updated i have the letter as proof. everytime i call for an update they state that they have not received any letter from any other department and that my account will remain charged off. i call everyday and i am being hung up on and put on hold and never gotten back to.
Consumer complaint received 2023-06-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (PA)

I have contacted Sallie Mae more than a few times about lowering my {$1600.00} a month payment. All they ever say is did you ask your co-signer for help and the answer is yes I did and my co-signer can not afford that either. Its super high and ridiculous. I barely make that in a month at work, how am I supposed live if Im paying that amount a month? Sallie Mae offers no other options and does not help or work with me on bringing the monthly payment down.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX. I tried to lift a security freeze temporarily with Experian. 

First I went to their website. They had a button for logging in to manage a security freeze. I did that. On their website, there is ABSOLUTELY NO way to manage a security freeze. They offer a " credit lock '' for money. 

Let me point out that I am a software engineer with an XXXX over XXXX and many years of experience in the industry. If I couldn't find a way to manage my freeze, it either doesn't exist, or it's been paywalled ( more than likely ). 

Then I tried to call. Three times. There's no option for managing freezes. All the options that sound promising ended in a hang-up. There was one way to speak to a person, but that also ended up in disconnecting the line. 

I believe this kind of behavior by a credit reporting agency might be illegal.
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

well its a little over a year ive been having this problem..i make my payments monthly and havent missed any..company says im behind like on 3 payments, interest keeps going higher, have late fees..i always tell them that im making my payments and have prove..they say that i only have paid like XXXX for principal..when i have paid over XXXX already..
Consumer complaint received 2021-03-22
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)

Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by XXXX even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Based on my researched. I have file numberous complaints against XXXX XXXX /XXXX XXXX XXXX XXXX. in regards to alleged illegal foreclosure process. I know have a new foreclosure attorney acting on behalf of Bank Of America, Which I never had any contract agreement with Bank of America or listed on my Deed of Trust and Note. So therefore I would like for Bank Of America to show proof of claim that I owed the alleged debt and Also XXXX XXXX XXXX show proof of discovery and legal contractual agreement from there law firm and Bank of America. I never receive Bank Of America mortgage statements in day of my life.
I also show violation of Preditory lending, Truth n Lending and Adjustable Rate Mortgage, RESPA., alleged payments increasing due to loan.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MD)

I am writing to inform you of an account that is inaccurately reporting false information. The account in question are related to the creditor, American Express. I have contacted the credit bureaus ( XXXX, XXXX XXXX XXXX ) on numerous occasions along with contacting the creditor, American Express. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

American Express has yet to provide a response to my initial complaint. However, XXXX XXXX XXXX XXXX continue to report these accounts as derogatory on my credit report due to late payments. I have provided all supporting documentation to XXXX XXXX XXXX XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : ( 1 ) Correspondence to the creditor ( American Express ).
Consumer complaint received 2021-03-22
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. (NC)

CFPB complaint template. 

have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/2021, XX/XX/2021. In the final letter on XX/XX/2021 I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. If these Items aren't removed immediately I will file a suit against the bureau. 

Creditor : XXXX XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate Account is reporting inconsistent and inaccurate I asked that this account be verified but you obviously did not do that. This account needs to be removed from my credit report immediately as it is reporting many inaccurate things. Including last reported and the last active date. By not removing this account and reporting it as accurate you are breaking the law
Consumer complaint received 2021-03-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX there were three transactions that were fraudulently purchased on my credit card. The three transactions were from XXXX XXXX XXXX - {$390.00}, XXXX XXXX - {$410.00}, and XXXX - {$130.00}. The moment that i realized i had fraudulent activity on the account i called Bank of America 's fraud department to report the charges - they gave me a temporary credit and stated they'd be conducting research. On XX/XX/2021 i received notification that the claim was denied due to the fact the card was " present '' therefore, i made the charges and i would be responsible for the charges. I immediately called the fraud department again, at the time of the charges I was XXXX at home unbeknownst to me i actually had XXXX which i tested positive for on XXXX ( I sent them this documentation as well ) I have spoken to the fraud department numerous times to follow up on the case to no avail. There is no valid reason why this fraud claim could possibly be returned as though i conducted the transactions due to the fact that i sent in a letter from an immediate XXXX stating the days I was out of work, i have the XXXX positive test and the fact that i have not once before claimed a fraudulent charge when there was not a fraudulent charge. I am so disappointed in the fraud process due to the fact that they state " Zero liability '' on fraud purchases. These are fraudulent purchases and I have heard plenty of stories that Bank of America does not pay out fraudulent activity due to the fact that they are awaiting a way for us as consumers to prove that we are innocent. I am a Bank of America associate and i handle my life with integrity and honesty and i am very concerned at the lack of thorough investigation via the fraud department. I would not ever consider defrauding ANY bank and the fact that they are making me feel like a criminal due to their fractured fraud system is beyond me. This situation scares me because if i had not been XXXX XXXX XXXX during this time how would i be able to prove that i infact did not conduct these transactions. I have submitted a police report, a personal letter to Bank of America, a reference letter and the XXXX XXXX tests - what more else can i provide to prove my innocence in regards to these transactions.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (DC)

I have had a Coinbase account for over 4 years and should have a balance in the account now of around {$7000.00}. For the last three months, I have not been able to log into the account. They have two part verification but do not send the SMS code so I can log into the account. I have tried all their " customers serivce '' options and only get computer generated tips. I need to get into the account so I can close it. They seem to have no human assistance.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$99.00} ; XXXX XXXX XXXXXXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$57.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$92.00} ; K, XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$210.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$650.00} ; XXXX XXXX XXXX  XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$210.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$68.00} ;
Consumer complaint received 2021-03-22
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: NCB Management Services Inc. (NY)

I Filed a dispute in regards to the inaccurate information on my credit report, it has been well over 30 days and I haven't received any investigation result. 

Date XX/XX/2021 amount XXXX NCB MANAGEMENT SERVICE