davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KS)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I got my vehicle loan through credit acceptance in XXXX of 2019 before Covid hit. When everything shut down I immediately called Credit Acceptance and spoke with a representative who assured me that my car wouldn't be repossessed and I was directed to call them when I was financially stable enough to resume payments. I was never given anything in writing that my vehicle was being repossessed, and I never received any correspondence from them stating that my loan was in default. They sent a recovery company to pick up my vehicle in the dark of the night and no paperwork was left explaining what had occurred. I thought my vehicle had been stolen. They waited over a year to report anything on my credit report then all of the sudden I get a notice that my credit score dropped over 100 points and that my car was being sold unless I was able to pay the past die of {$10000.00}. The crooked sneaky way they went about it has absolutely ruined my credit due to absolutely no fault of my own. It's not fair and should be removed from my credit report. Credit acceptance is a very bad bad company to deal with and I wish I had never gotten duped into financing through them
Consumer complaint received 2021-08-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SOUTHSTATE CORPORATION (FL)

Physically went to the local branch to make what I thought would be the last payment only to reread the statement which indicated that the loan had been extended to XX/XX/XXXX ( I was making XXXX payment ). I asked the teller why it was extended which she then stated she couldnt access that information and that she would have to contact the research department. She would then contact me. In XXXX, I went back to the local branch and the teller stated that she dropped the ball but would contact the research department that day and get back to me. When she did, she said that the person from the research department stated that it was due to past hurricanes. I didnt accept that and waited to get information from the personnel there what agency I could contact to get to the bottom of the why it was extended. The head teller (? ) gave me the branch managers business card and instructed me to contact him the following week. Due to vacation plans, I didnt touch base with him until I returned from overseas. 

The local branch manager looked at the records available to him and commented that he could see 2 payments applied directly to interest. He went on say that he would be contacting the manager of the branch that prepared the loan originally. I waited a while and called for the status. The branch manager said that he had an email from the manager of the originating branch in which she indicates that there were 3 authorized skip-a-payments during XXXX - XXXX by my husband which I doubt as he was not one to handle the household finances but I am willing to give her the benefit of the doubt. After a few more phone calls to get status updates, the local branch manager said that the manager of the originating bank would call. I asked him to give my cell phone number to the manager of the other bank and also to let her know that she could leave a voicemail message on the phone and Id be happy to contact her. To date I have not heard from her. 

Please be advised that I have made payments up to and including the XXXX one. There is still a small balance left, my credit score has been lowered because of late fees being applied as I continued to try to get answers, FYI-the local branch manager said he would cancel the one from XXXX but then retracted that saying he was not authorized to do so and that the manager of the originating bank would have to approve that action and he could only request it.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK (CA)

On XX/XX/2021, I was hired by a company that sent me two checks, one for {$2200.00} the second for {$1900.00} to purchase a computer, software, and printer from a specified vendor to be used for the remote customer service position. This seemed strange. I felt unsure about this being ok. So before I did anything I called my bank and talked to a customer service agent and explained what was being asked of me and was that a normal thing, if it was ok. The agent told me that it was unusual, but something that is done. I can go ahead and make the deposit and payments if it does turn out to be fraudulent I would not be held liable for the funds. So, after reaching out to my bank for guidance if I should proceed or not, because and only because the bank representative said it would be ok to proceed and not be liable, I made the deposits and payments totaling {$2200.00}. The company and the checks were fraudulent and the money I had in my account was taken to cover the transactions I made ( with assurance I was not liable ). I was a victim of a scam. And though I authorized the transactions, I NEVER would have even deposited that first check if I had not been guided by the bank 's employee. I am now {$180.00} overdrawn. I realize that I authorized the transactions, However, I believe the bank should be liable due to the actions of the customer service agent telling me I could without incident. I have exhausted all levels of escalation at the bank but am not ok with the bank instructing me to do something and then after I do, being held responsible for the result. I have documentation and notes for the conversations and the responses I received. Additionally, I have the name of the representative from the disputes and investigations unit who read the transcript from the phone call I made to the bank seeking help and said the bank is at fault and should be doing the right thing and cover the lost funds.
Consumer complaint received 2021-08-15
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: ALLY FINANCIAL INC. (CA)

In XX/XX/2021 an inadvertent late posting was posted to my mortgage account, when I contacted XXXX XXXX Corporate they corrected the incorrect late posting, I subsequently reviewed my credit reports with XXXX, and I discovered multiple unauthorized and/or fraudulent inquires listed on my credit reports. I contacted the Credit Bureaus and explained I may be a victim of identity theft, these inquires are not mine. After contacting the credit bureaus, I discovered in XXXX the credit bureaus were now reporting me as deceased and froze my credit profile, now in XX/XX/2021 I discovered a new fraudulent account ( Ally Financial ) listed on my credit reports. I'm XXXX years old, this has been extremely stressful and emotionally draining. I'm reaching out to the CFPB for help, I've contacted the credit bureaus about the fraudulent inquiries and Ally Financial and they have not removed this incorrect/fraudulent information from my credit reports, also Ally Financial has been unresponsive to my disputes of this fraudulent posting on my personal credit profile.
Consumer complaint received 2021-08-15
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: Experian Information Solutions Inc. (MT)

The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (HI)

Target called me 3 days in a row saying i was approved for a card that i have never applied for i let them know it was not me. On the XXXX day they said they processed it and it was approved i told them the 3rd time while i was at work i never applied for that card. The user had my social and old address from another island. This is still reported on my credit report as a declined card offer 4 months after my complaint with the wrong address on XXXX, and XXXX. Application was on XX/XX/XXXX and XXXX XXXX Second Company XXXX XXXX refuses to take my declined credit information off my report saying they did their investigation and the report is correct. They have my SS and they used a incorrect address that i was never at, used my family business number and ran a report when i had already frozen my accounts date XX/XX/XXXX @ XXXX XXXX  PST on line from XXXX to a bank in Missouri. 
I live on XXXX dealing with id theft. Police report number XXXX XXXX XXXX
Consumer complaint received 2021-08-16
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. (MD)

Equifax is reporting items on my credit report which are inaccurate i have sent them documentation on many occasions from the source they claimed to have verified it from that the information they are reporting is incorrect and they have yet to fix the problem
Consumer complaint received 2021-08-15
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. (MT)

The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.
Consumer complaint received 2019-12-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote Transunion, XXXX, and XXXX and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.
Consumer complaint received 2021-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (OR)

I receive two letters from Tate & Kirlin Associates , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX, dated XX/XX/2021, saying : " This account has been listed with our office for collection. This communication is from a debt collector and is an attempt to collect a debt. Any Information obtained will be used for that purpose. 
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor.if different from the current creditor. '' Included were reference numbers # XXXX and # XXXX On XXXX I called Tate & Kirlin Associates , Inc. at XXXX and asked who these creditors were. They said XXXX and XXXX XXXX. I told them I had never heard of them. They said that the creditors had my email and my credit card #. I told them the email address was correct. but that I did not have that credit card for a couple of years. They said they would contact the creditors and let them know that I did not have that card. 
Then I said I though this was a fraud-scam and asked who I should report it to? They said not to worry and that they would take care of it and hung up.
Consumer complaint received 2022-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/21 I checked my XXXX credit score through the account I have on XXXX XXXX XXXX  website. It was XXXX, but it showed me owing Capital One {$62.00} which was false. I owed Capital One nothing. 
I filed a dispute with XXXX through XXXX XXXX and on XX/XX/21 the {$62.00} Capital One balance was removed but my XXXX credit score dropped XXXX points to XXXX. 
There has been no activity at all to have caused that to happen so I filed another dispute with XXXX and I also filed a dispute with Capital One. 
Not only did either company 's representatives not understand the issue, the score remained the same and has not gone back to XXXX.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

complaint id:XXXX : this complaint was not resolved to my satisfaction ; paypal did not answer my questions ; wrapped their response in a lot of jargon! 
from what I understood, the cash advance I took in XXXX  is still unpaid after 4 years! 
I have been charged {$10.00} cash advance fee in addition to other finance charges per month since XX/XX/17 ; this cash advance interest will be charged until the cash advance is paid off! according to paypal credit, when a payment is made they take finance charges off, any fees, any special/promotional offer charges, then apply the rest to principal ; therefore paypal credit has applied only cents toward the cash advance principal! ; I, ve been charged almost {$10.00} per month in finance charges since XX/XX/17 ; according to my math that's {$450.00} in finance charges till now for a {$650.00} cash advance!!!!!!!!!!!!!!!!!! that's usury!!!!!!!!!!!!!!!!!!!!!!!!! ; in the response letter, paypal credit stated I can designate an amount of the payment to go toward the advance, I believe ; I am not sure because of all the unnecessary jargon in the letter ; I could be wrong again. basically I will never be able to pay off the cash advance this way unless I pay off the entire balance ; at this point this is impossible for me ; so paypal credit would drain me as much as they can. shame, really
Consumer complaint received 2021-08-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

I paid interest only for the last 16 years, i paid approximately XXXX, my loan only XXXX During pandemic i failed to pay few interest payments approximately XXXX, i did modification but the company refused to waive that interest in order for me to be current, i resumed to make payments starting XX/XX/2021, but still owe the back interest of approximately XXXX I got cheated once this loan initiated, I didnt know its interest only, after 16 years of payments the principal still the same. 
I dont trust the mortgage company I feel they doing this practice on purpose to foreclosure on my home for XXXX, my house worth XXXX I need help to get back on track.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Acra Intermediate Holdings, LLC (CA)

Dear CFPA, I previously filed a complaint with you in regards to my mortgage lender, Citadel Servicing Corporation.

Citadel reported me delinquent to the credit agencies even though I never missed a payment and fulfilled all their requested obligations. After my filing Citadel responded and admitted that there might have been a " misunderstanding '' due to the transfer in servicing in their company. They corrected the inaccurate reporting on my credit with XXXX  and XXXX  but left the incorrect negative reporting on my XXXX  report.

My loan officer just pulled my credit report and Citadel has me still reported as late for XXXX and XX/XX/2021 on my XXXX  report. After reviewing my payment history, I realized that I paid my full repayment plan amount of {$11000.00} in XXXX, and in XXXX the reduced amount of {$9900.00}. However, my XXXX  credit report shows me late for both mentioned months which is totally inaccurate. Please let me know how to proceed with Citadel in this matter. Thank you very much. With best wishes, XXXX
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: KEYCORP (PA)

KeyBank Na In the year of XXXX in XXXX I began having hardship from the Pandemic. I reached out to my longstanding bank for assistance, they gave me ( 3 ) months to XX/XX/XXXX then to further discuss the circumstances after that time. Interest and fees continued to accrue, but they misreported all the information to the credit bureaus creating negative remarks and status on my files, I notified them to correct immediately, both the credit bureaus along with the bank itself, but to no avail no one assisted to fix the situation then in XXXX I continued to call the bank on numerous occasions asking for an agreement on terms an interest and removal of certain fees they also attached to my account, they still did not respond to my request, time over time month over month I was treated unfairly, they broke FCRA, Fair Lending Laws, FDCPA Laws misreporting my status, disrespectful, ignorance and lack of care, knowledge to fix the issues. I have records of dates and times of me calling them, they just did not care, I continued to pursue the validity of the debt, noting I should have not been charged all of that additional interest due to their lack of corporate inability to make a decision and conclude the agreement .Now months later nothing matches, my account info, credit file info, dates, payments, I have asked several times over the past month for more accuracy of reporting and a statement for corrected balances and terms, never received, now I have asked to CLOSE THE ACCOUNT AT CONSUMER REQUEST ON MY CREDIT FILES .they won't even fix that for me. I have verbally opened a case with the CFPB and now would like to make an open formal investigation .Notably I do not know how many others they are doing this to, especially during the time of a Pandemic, but they need to be stopped and held accountable for their performance to the customers.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

My case-I opened an online checking account at citi bank on XXXX XXXX .After few days on XXXX XXXX when I already deposited money on it I received a mail that my account is closed and i have to reach out to fraud department. On XX/XX/XXXX After reaching fraud dept at this number they said my account is closed with no clear reason. Upon asking when I can get my money back XXXX $ which I deposited, they started asking my phone number and code I received on my phone. After lot of hesitation in sharing my code I finally did then they asked me to upload my address docs and said after uploading we will send the money. After uploading the docs called again on XXXX XXXX and got same response and asked same address docs to upload. XXXX called on XXXX XXXX they did the same 30+ min process but after showing lot of frustration they told me that I will receive my money within 15 days. After calling again on XXXX XXXX they said my check has resent on XXXX XXXX and will receive by XXXX XXXX. I have still not received any money
Consumer complaint received 2021-08-16
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: Absolute Recovery Services, LLC (GA)

Absolute Recovery Services , LLC and XXXX XXXX XXXX are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Ive never been late on my account I was to to dispute it on my end and they Best Buy would update the credit bureaus with the correct information and for me to wait till the next billing cycles but they never fixed the problem and the late payment caused me to get denied on my refi