davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX has reported inaccurate payment history that has resulted in my credit score dropping XXXX points unfairly. I am a single mom of XXXX  with no support from the other parent and this is causing me to have difficulty with preapproval for a mortgage
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

On XX/XX/2020 I received my XXXX statement via US mail showing the account delinquent with no payment posted to my account with a late fee. I did not receive any notification prior to this that the payment was not posted. {$1200.00} XXXX Payment. Late XX/XX/2020 at XXXX XXXX I called Loancare and they stated that no payment was received and a late fee ( {$43.00} ) was asset and delinquent reporting to the credit bureaus. I sent the documentation as the payments has been paid through auto pay since they assumed the loan. A ticket was created and and 7 days passed with no follow up or correction. 

I called again XX/XX/2020 XXXX XXXX which I was hung up on with no call back. I called again at XXXX hours and spoke to another call taker and advised her of the situation. She stated the ticket was closed with nothing changed and she was not showing the XXXX ( {$1200.00} ) or XXXX ( {$1200.00} ) payments. Further she verified the negative reporting to the credit bureaus. 

I filled another appeal with more documentation that LoanCare received funds from my account and did not apply them. I have not received any phone calls, emails or US mail of this situation. 

No notification of the XXXX late payment were received by me as required by law. My credit and loan accounts have been negatively affected unjustly. 

My payments need to be applied to my account to make it current and all negative information sent to the credit bureaus needs to be rescinded and removed immediately.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited two Cashier 's Checks in my accounts. The bank ( Truist Bank ), closed the accounts, yet, continues to withdraw funds from the accounts for it's sole purpose. 

Enclosed. Letter sent to the bank Dear XXXX XXXX, As you will recall on XX/XX/2022 ; you, XXXX  ( Operations Manager ), XXXX XXXX, and I met in your office to discuss me getting my money out of Truist Bank. Until this day, no one gave me an explanation why, I cant have access to my account, and yet, the bank continues to deny me access to my accounts. 

On or about XX/XX/XXXX, before meeting with you, I met with XXXX  who informed me that my money would be released within 24 to 48 hours, all to no avail. 

Around XX/XX/2022, I received a letter from the bank telling me that Truist has made the decision to close the account referenced above. From XX/XX/XXXX, until about XX/XX/XXXX, the bank refused to talk with me about my account. Instead, each time I called, about 43 times, the bank fed me deceptive lies and confusions. 

For unknown reason ( s ) the bank continues to block me from accessing my money, yet the bank continues to access my accounts, transferred, debited my accounts, and use the funds for its sole purpose. Then, the banks behavior and activities, at best is fraudulent and unethical? 

The bank continues to make unreasonable demands of me, and the sources, I received the Cashiers Checks from. The bank Cashiers Checks were cleared. 

On XX/XX/2022, XXXX XXXX met the banks demands. He emailed the requested documents to you, however, until now, I have not heard about the release of my money. 

If I do not hear from you by XX/XX/2022, XXXX file complaints with the various banking authorities.
Consumer complaint received 2019-12-04
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. (FL)

I was denied credit which prompted me to check my credit report and when I did I noticed that Experian had reported 2 different social security numbers on my file and that I had negative accounts on my file as well. This obviously had been the cause for my denial for credit. So I contacted the Credit bureaus that I had noticed the 2 different social security accounts which means that the integrity of my information and put in question the accounts that were opened with this incorrect social security number. More specifically I advised them that the XXXX XXXX account and the associated collections accounts that were on my file were inaccurate and requested that they remove such information from my file. XXXX  removed it all and put it all back, on top of that they added the address of one of the collection agencies to my file as it it were my own address. I have request that the addresses be removed but they refuse to comply. As matter of fact, they keep update=ing the items at their will and keep saying that the confirmed that the accounts are mine. How can they confirm this there 2 different social security on my accounts, how can they confirm t his when the address to which the accounts are opened doesn't match my address, how can they confirm this when they are allowing incorrect addresses and incorrect social security accounts to appear on my file? Do the credit bureaus realize the severity of their actions? do they realize that they have done something that is detrimental to my credit file? they must remove these items and correct their own inadequate reporting at once.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NC)

On XXXX XXXX XXXX I made a substantial payment to pay off the balance on my Citi thank you preferred card. Once this payment cleared I was sent a letter by e-mail advising my credit limit had been cut from {$8500.00} to {$500.00}. This account had been opened since XXXX and had a perfect payment history. 

I immediately contacted customer service and my account was subsequently closed. 

I have reason to believe Citibank is in the practice of reducing credit limits due to the coronavirus on low risk consumers who do not have any problems with payment history or debt load. 

I received a follow up letter in the mail stating that I have high debts with other creditors which is simply not true. I have very little credit card debt, and all accounts are in perfect standing. I have other accounts with CitiBank that are paid in full. 

In the period between XXXX and XXXX I understand Citi Bank was found to have committed mortgage lending violations and other unethical business practices that resulted in a large mortgage settlement. I was a party to this and received a payout. I would like to ask the CFPB to heavily look in to the practices of CitiBank in relation to how they cut credit limits after payments have been made in an effort to maximize negative impacts on the customers credit score. I am happy to provide a recent copy of my credit report to the CFPB to document and years of account statements to document that Citi had no reason to take any negative action against my acccount.
Consumer complaint received 2018-08-07
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. (CA)

Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.
Consumer complaint received 2020-04-02
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. (SC)

Around XX/XX/XXXX, I made my monthly payment for my XXXX  card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that XXXX  had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted XXXX  about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " XXXX  had a computer glitch when my payment was made and the payment did not get posted ''. I asked XXXX  to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if XXXX had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted XXXX again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " XXXX  was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report.

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted XXXX  on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If XXXX had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the XXXX account in XXXX which I was in good standing with my XXXX  account as well as with my other credit card holder. 

XXXX ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.
Consumer complaint received 2020-03-23
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. (AR)

I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$82.00} XXXX  XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/XXXX, I erroneously issued an electronic payment from my XXXX XXXX account to XXXX  in the amount of {$200.00}, which cleared my bank account on XX/XX/XXXX. The account referenced on the electronic payment was XXXX. The payment number was XXXX. I no longer had an active credit card account with XXXX at the time of payment and no amount was due to them at that time. 

I called the customer service line for XXXX  credit cards several times, and on XX/XX/XXXX, a representative of XXXX XXXX  faxed the payment information to XXXX with the payment disputes department for XXXX  at XXXX. I have attached a copy of a letter I received from XXXX XXXX   detailing this. I am also attaching a copy of the page from my bank statement that shows the {$200.00} payment to XXXX from my XXXX XXXX account. 

On XX/XX/XXXX, I followed up with a letter to XXXX, which is also attached, because I had not received a refund of the payment. I faxed the letter to XXXX and have attached a copy of the fax confirmation. I also mailed the letter to XXXX XXXX XXXX XXXX, MN XXXX. As of today, XX/XX/XXXX, I still have not received a refund of the payment that was not owed to them, nor have I been contacted by them.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I had initially opened an account to secure an auto loan. After not taking the loan, I decided to close the account. Mind you this account has never been used, has no linked cards and no checks or otherwise. They attempted to close the account clearly unsuccessfully but did manage to issue a check to my address for the the balance of the account. 

The account did not close and remains open. They have sent me correspondence that the account is in a negative balance. This is impossible except by mistakes on their end because the account wasn't and couldn't be used for anything other than a Pen Fed rep making changes. I again sent written correspondence and was told the balance needed to be cured to close. Can someone please help get me out of this perpetual loop before they causes me any further problems based on clerical errors?
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NJ)

In the midst of this COVID-19 outbreak. Discover Card/Discover Bank has conveniently decided to increase its late payment fee to {$40.00} dollars. Discover has done this knowing fully well that many persons will not be in a position to make there payments on time due to the economic effects of the COVID virus on them. 

Discover has done this to benefit itself. XXXX its customers to enrich itself in this time of social and economic peril.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BBVA FINANCIAL CORPORATION (FL)

I opened a new BBVA credit card with zero percent balance transfers allowed. BBVA allowed me to transfer my balance immediately after I was approved. On the first periodic billing statement I received, there was interest charged for my balance transfer In the amount of {$31.00}. I called BBVA customer service to get this corrected. The rep I spoke to explained that I was charged interest because I did it before activating my card. This is unfair and deceptive ( UDAAP ). The rep credited back the fees and told me I only needed to pay {$14.00}, the minimum calculated payment amount. I did this while on the phone with the representative and since this was a one time TEL ACH transaction, I know it was recorded ( confirmation number XXXX ). I received a past due notice stating that my payment was short by the {$31.00}. My current periodic statement shows the credit under Other Credits with a past due amount for that exact figure. I tried calling BBVA today and after 47 minutes on hold I finally got through to a representative and explained my position and how this was damaging to me ( late charges, negative credit reporting ). The rep I spoke to had to place me on hold to see what could be done. I then received an automated message that my call had ended. This is clearly a deceptive act or practice. If I was advised that my zero percent balance transfer could not occur until I activated my card, I would have waited. I was excited to start doing business with BBVA but now I wonder what they are doing. I will continue to attempt to get through to them but I can not be the only consumer being taken advantage of with their unpublished rules and poor customer service.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2020, I found out that my savings account ( s ) were restricted. After waiting nearly an hour, the Synchrony Bank representative ( XXXX ) advised me that they needed an updated documentation that reflects my new address to unfreeze the account. 

That said, the only way the bank would permit inbound correspondence with the supporting documentation was via fax. In this day and age, and in the current pandemic this country is facing, no exceptions were granted - people need access to their accounts, but to risk these people to go against governor orders to go outside and fax documentation is absolutely ridiculous. Their policy inflexibility only risks further exposure and further spread of COVID-19. 

This is particularly troubling for a bank that promotes itself as a " digital '' bank.
Consumer complaint received 2020-04-02
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. (SC)

Around XX/XX/XXXX, I made my monthly payment for my XXXX  card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that XXXX  had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted XXXX  about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " XXXX  had a computer glitch when my payment was made and the payment did not get posted ''. I asked XXXX  to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if XXXX  had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted XXXX  again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " XXXX was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report. 

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted XXXX  on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If XXXX  had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the XXXX  account in XXXX which I was in good standing with my XXXX  account as well as with my other credit card holder. 

XXXX  ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.
Consumer complaint received 2020-04-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (GA)

Date : XX/XX/2020 Amount : {$1600.00} I contacted the The Money Source to discuss my mortgage payment options due to being furloughed because of Covid 19. The only option that they have is to give a three month forbearance and at the end of the three months I'm expected to come up with a lumpsum payment for all three months plus the current month. How is this going to help the American people?
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (FL)

They are saying my score is XXXX. My XXXX XXXX and XXXX  are more than 200 pts more than that my XXXX  score is way higher than that. They are saying I have had to many address changes I have lived 3 places the last 20 years of my life. Last time I changed address was 2014 when I moved 5 miles  away to a new house same city. Been at my current address for 6 years. They are owned by ID Analytics '' - owned by " XXXX '' provider of Identity theft products - owned by " XXXX XXXX '' which also operates " XXXX '' provider of computer security softwares. I used to be a member of XXXX and their information they had about me was inaccurate and ridiculous. They obviously provided that information to ID Analytics which supplied it to SageStream and that's what they are using to compiled their version of my " Credit Score. '' I stopped paying XXXX and had many issues with them feel as though this is some kind of illegal retaliatory measures on their part.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Army and Air Force Exchange Service (VA)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. '' Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section
2 and 15 U.S.C 1681 section 602