davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$150.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$180.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2020-08-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have been trying to rectify this problem for quite some time. 

I have been in contact with XXXX. Also, the United States bankruptcy court district of XXXX, New Jersey. Every time I follow a credit dispute with the credit bureaus I received information that the dispute has been verified. I've also asked how they verify the information and they never get back to me with it. I was told XXXX is the furnisher of information regarding bankruptcies. And they stated to me they have nothing in their database showing the bankruptcy for me. 

Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX
Consumer complaint received 2020-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

I opened a Checking Account with First Citizen XXXX  on XX/XX/2020 with the promise of a new account bonus of {$300.00} if certain conditions are met. 

I have met all the conditions and still have not received the bonus. I have contacted the bank via electronic message and received no response.
Consumer complaint received 2020-08-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have been trying to rectify this problem for quite some time. 

I have been in contact with XXXX. Also, the United States bankruptcy court district of XXXX, New Jersey. Every time I follow a credit dispute with the credit bureaus I received information that the dispute has been verified. I've also asked how they verify the information and they never get back to me with it. I was told XXXX is the furnisher of information regarding bankruptcies. And they stated to me they have nothing in their database showing the bankruptcy for me. 

Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX   Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was notified that there was a discrepancy in my account, and they wanted me to send proof ( my drivers license ) of who i was even though they would not inform me as to what the discrepancy was, ( each time i have to ask to speak with someone who speaks English ) then they hang up. i have yet to find what the problem is even though i have scanned and sent my ohio drivers license.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, BOA charged my checking account for {$120.00}, claiming a check deposit was rejected due to it being cash twice. The problem is that I was not given credit for the " duplicate '' deposit. Matter of fact, if you looked in my account. You will not see any {$120.00} deposit on it. I have contacted BOA multiple times on this matter, they kept claiming they will open a claim and escalate this. It appears they never did as I don't see anything in the system and I am still out {$120.00}. I would like the CFPB to step in again as I believe this is a clear cut case where the bank can not show they gave me an initial deposit for this {$120.00}. I can't be out {$120.00} for a " duplicate '' deposit when I was never given the credit to begin with. 

BOA can do a search on my account for {$120.00} deposit. It is not there.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX, My only social security number is : ( XXXX ) and my only and correct date of birth is : XX/XX/1972. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (WA)

In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid Santander they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to Santander refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Previous fico score ( averaged ) XXXX  My mortgage was refinanced ( XXXX XXXX ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on XXXX from XXXX to XXXX. On Transunion a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on XXXX. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( XXXX 54 pts, transunion 116 and XXXX 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AL)

I have a loan with Santander and I had a deferment and my car Ive been paying on for close to 3 years and the principal has dropped less than XXXX XXXX dollars my interest rate is 20+ percent and Im already struggling to make the payment and I feel like my loan was fraudulently padded because no one else will finance me because my income is to low. Please help me
Consumer complaint received 2020-08-15
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. (TX)

I spoke with Experian concerning a credit dispute. They did a wonderful job of filing my dispute ( s ) and gettting them removed from my account. However i checked my credit file and as of XX/XX/XXXX, by credit score took a nose dive from XXXX to under 530. My score dropped by 121 points. I couldnt understand why my credit score would drop by 121 points after negative items were deleted. 
Again, positive items were NOT removed but negative items, which means my score should have went up substantially. When I talked to the Customer Service Rep at Experian they told me that my score possibly dropped because of the " activity on my account '', in particular, I was told that when Experian went in to remove the unlawful inquiries and did the " dark web '' monitoring, that all this monitoring may have resulted in my score dropping my 121 points???

The rep then asked me if I wanted to continue credit monitoring and I cancelled. I told them I dont understand how my account being monitored for suspcious activity would result in my credit score dropping? 

Could you please investigate why my score dropped my more than 121 points with NO positive accounts being deleted and only negative accounts. 

Again, I can I see if positive accounts were deleted however they were not, it was ONLY negative accounts, which means my score should have went up and not down.. 

Lastly, I was told my the rep that there computers/alogirithm is responsible for info and he doesnt understand why my score dropped as well. 

Because of this drop in score, my recent Business Loan Application may be in jeopardy, along with other business interests.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (GA)

First Digital accepted my payment on XX/XX/2023 and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons. 
By closing these credit cards it has caused harm to my credit report. 
This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.
Consumer complaint received 2020-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

I have opened a care credit account and its my account I was paying my bills every month, and then someone got my information and used my card without me knowing, I was never late on my payments. Because it comes out directly from my bank, I contacted the company right away about this problem
Consumer complaint received 2020-08-15
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 (CA)

Hello, So I received an email from American Express stating I was enrolled in a {$0.00} dollar plan it fee that expired by XX/XX/XXXX at XXXX MST. I called on the XX/XX/XXXX to verify that I was eligible and was good to proceed with purchases. I made one on XX/XX/XXXX for {$320.00} and was able to have no additional fees to pay it off. I made another purchase on XX/XX/XXXX for {$2100.00}. I went to create a plan for it, and I was being charged an extra {$370.00} to create a plan. I called and spoke to them and they said I didnt met the deadline which was XX/XX/XXXX and that I shouldnt have made the purchase. When the clearly it has already been placed on the XXXX and processed by the XXXX. Their only solution was to contact the seller and cancel it.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank sent me a letter saying that they had my authorization to take the money out of my credit card. They do not have my authorization and they say they do better have it in writing.
Consumer complaint received 2020-08-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (TX)

Traded in a leased XXXX XXXX when purchasing a XXXX XXXX in XX/XX/XXXX ( another GM product ). Per GM, lease disposition fees are waived if borrower trades in for another GM product. Never should have been charged this fee. Never got a bill, never got a call, never went to collections, no correspondence whatsoever. On or about XX/XX/XXXX, 8 months after the transaction, our account was written off by GM Financial due to " Natural Disaster '' per my credit report. It is my firm belief that GM Financial did this to access relief money at my expense, irreparably harming my credit and costing me hours of time and potentially thousands of dollars in attorney fees to address a negative mark on my credit report that should have never been there I the first place. I demand that this is removed from my credit report immediately, and further, I implore CFPB to fully investigate GM Financial 's unauthorized and fraudulent charge off and reason code for said charge off, as they are clearly trying to take advantage of consumers, federal funding and the current situation to benefit themselves at the expense of consumers.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Request three credit bureaus to remove/delete deragoratoratory credit information from XXXX XXXX  and two XXXX XXXX XXXX  accounts based upon Federal Truth in credit reporting act from Federal Trade Commissions-FTC with supporting papers of prior and current dispute in court and medical defenses as treated like absentee and manipulation done in bad faith.
Consumer complaint received 2020-08-15
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. (GA)

The original creditor is also the collection company. I have made several attempts to get the collection depart to accurately report the account. I initially reached out to them notifying the joint applicant filed bankruptcy and its not reflected on the account. I was advised that I would still be held responsible for the account. At the time the balance reflected was {$440.00} charge off date was XX/XX/XXXX with the last payment of XX/XX/XXXX see attached, I ask could they remove it since joint applicant filed bankruptcy, the representative became irate and belligerent and difficult to communicate with, at that point I said oh well it falls off next year and you wont get anything the representative then replied will see about that and hung up. That was XX/XX/XXXX, the month prior I sent a request for verification and never got a response so after waiting thirty days I called. The representative has been inaccurately chafing information on the account since. Impacting my credit score and ability to maintain a good rating. I attached several documents as proof of my experience. The account was also changed from joint to individual and the representative recently reported that a payment was made within the last year which is also inaccurate
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX, My only social security number is : ( XXXX ) and my only and correct date of birth is : XX/XX/1972. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: E*TRADE BANK (NC)

This is more of a harassment of phone calls. They continue to call after I have asked that they not call me anymore. They call about illegal access to my computer and want me to send them money to fix problem and I tell them I don't need their assistance and they ignore and continue to call and harassment me anyway. These calls are from a company called Etrade and their phone number is : ( XXXX ) XXXX Please help me with these unwanted calls as they will not listen to my requests to stop calling my home.
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion add someone else 's collection of {$5500.00} to my credit report. XXXX XXXX XXXX XXXX reported this collection ( Occured in XXXX, in XXXX XXXX ). I totally don't know this collection and I haven't lived in XXXX XXXX. And I am not in the US in XXXX. I disputed to Transunion, but they said the collection is accurate without providing any evidence. I am confused about that. XXXX and XXXX  supported my dispution and deleted the wrong information already.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (NV)

yes i called today wondering why you guys charged my back XXXX??? when i was charged and hacked on XX/XX/XXXX with the 3 transaction from XXXX. for XXXX but you guys claim that i should only be be credit back twice for it?? that doesn't make any sense.. the guy on the phone told me that and now you guys are stealing my money!!! I work for the XXXX and this is how we get treated??? 

and I have upload that you guys did everything correct on XX/XX/XXXX, so why are you guys even dare to reverse one of the XXXX that is a frad back to my account??? 

what is you guys problem, I even uploaded my proof of transaction and stop giving me false information, I hope everyone can read and understand this.
Consumer complaint received 2024-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TX)

XXXX XXXX XXXX XXXX XXXX  appeared on my credit report in the amount of {$670.00}. 
I have no knowledge of this place. Ive tried calling them, I mailed a letter. No response. 
I have not been to the doctor in years, there is no way this medical bill belongs to me. They have never contacted me. 
I have XXXX  them and Ive seen hundreds of reviews saying this is a scam and theyre doing this to multiple people. 

They have sent this fraudulent medical bill to a collection agency. Central portfolio control and they have never contacted back regarding this either.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-08-15
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I got an installment loan to purchase a personal watercraft in XX/XX/XXXX with Sheffield Financial. In XX/XX/XXXX, a payment was erroneously processed as being a few days late. I called the company and they supposedly corrected the correct payment date ( which was not late ) and updated my XXXX and XXXX  credit reports. However, they did not update the XXXX report and is erroneously reporting a late payment in XX/XX/XXXX.