davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

Good Morning. About a week ago I came down with the notorious XXXX virus. I went to the bank in the drive-thru lane to make a withdrawal of my funds during this tuff time period. I am told by the banker that i would not be able to make a withdrawal. Immediately I knew that I was being racially profiled. I asked why and the banker said my account has a block. I ask why my account has a block and he did not mention that he was the one who enacted the block but came up with some excuse that I can't remember at this time. He secretly blocked my account without notifying me while i was there. I find that strange because I was using my debit card just fine before I went to that bank to make my withdrawal. The banker refused to withdraw my funds and treated me with such disrespect that I have ever been treated within my life from a banker. I went home and cried because I know that banks would either be reluctant to release my funds to me because of XXXX or the fact that they are racially profiling me. I have called numerous times numerous days IN A ROW! Thankfully I was able to get my money out by sending the money to someone else using XXXX and XXXX XXXX. Otherwise, the bank would still be holding my money captive during this crazy tuff time. US bank dropped the ball this time. I am so upset because I am not able to pay my bills because my account is locked. My billers do not accept cash. I am in self-isolation due to XXXX and i do not want to put anyone at risk trying to go out and get a prepaid debit card loaded up with the cash i have on hand. This is what the banks do when the going gets tuff. They block your account and racially profile you and say your apart of fraud WHICH I AM CERTAINLY NOT. I am so upset and frustrated I have even called corporate and are waiting for a response. Corporate has told me numerous times they would not be able to release the block on my account and only the manager of the bank who racially profiled me could. They told me they would reach out and get back to me and they have not. I want whoever to be held responsible for making my life harder than it already is. Nobody has helped me to solve my problem. This bank is operating in a predatory manner. During this tuff time, it is unacceptable.
Consumer complaint received 2022-12-31
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. (IA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-31
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. (NC)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-28
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Universal Account Servicing, LLC (FL)

On or about XX/XX/2020, I contacted UGA finance to request a cancellation of the loan due to the Federal Trade Commission ( FTC ) obtaining a RESTRAINING ORDER WITH ASSET FREEZE AND OTHER EQUITABLE RELIEF against UGA 's client, XXXX  XXXX XXXX-for running an Investment Traning Scheme costing thousands of consumers ( including me ) over {$370.00} million dollars ; and due to financial hardship. I spoke to a UGA finance representative in which I advised her of these issues, in which she ACKNOWLEDGED my concerns and offered to REMOVE my autopay from my account, and differed payment obligations until the court/restraining order is lifted. 

Since then, on or about XX/XX/2020, I received a voicement from UGA finance requesting me to return their call. Upon returning their call, I was connected with an agent who was attempting to collect a payment and saying I had a past due amount, notwithstanding the fact that there has been a restraining order with asset freeze & other equitable relief ; and UGA finance previously agreed to remove my autopay and defer payment obligations until the court order was resolved. 

Today, XX/XX/2020 I received another email stating : " the due date for you to make a payment to your Account has passed. You can view the the late charge grace period and fee amount by logging into your Account online and selecting the " Account Summary '' tab located on the left sidebar, '' Notwithstanding the same.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (SC)

This is more of a concern than a complaint against American Express with employees who intentionally misrepresent of payment due dates, past due dates, and possibly back-dating communications sent to card holders to substantiate their action. As of this writing, I do not know if American Express has already filed reports to the three credit bureaus because I was past due by 1 day - which American Express could elongate to 2 or 3 additional days ( since it takes between 24 to 36 hours to post a payment ). Apparently, charges are also frozen until this payment has posted. The last phone conversation was with an American Express employee who explained that I had such a good payment history in the past so that is why I have never experienced this sort of treatment before. And to that I replied something along the lines of I need to stop using my American Express card and figure a way to pay off my remaining balance. The customer representative was glad to say " good bye '' and I think I would too be happy to say good bye to American Express as well after 30 years.
Consumer complaint received 2020-03-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (AZ)

On XX/XX/XXXX i called my mortgage company and i have advises them i was laid off due to this Corona virus and she told me they will mail a paper work for me to fill out so i got a letter from them starting that i have {$1700.00} due for XX/XX/XXXX and i have {$1700.00} due for XX/XX/2020 and i got a late fee of {$69.00} for the month of XXXX and per the government rule 's there is going to be no late fee and they are still charging them and every time i call they are not willing to wave them and they hang up on me saying sorry that u are falling that way ... 
I am tired of their horrible customer service in they are not willing to assist people at all in the only option they're giving me is refine ance and I bought my house 3 years ago and I don't wan na go ahead and refinance with them I want to go ahead and get my loan out of their to somebody else because their service is horrible
Consumer complaint received 2020-03-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association (ID)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX? Rent reported late Mortgage is for {$1000.00} at this time the mortgage was reported late we were selling our home first time home buyers and first time sellers the month of selling we were instructed not to pay or do anything that could effect closing the mortgage was not do at the time anyway and that the mortgage would be paid off the buyer backed out at the last minute and new buyer swooped in to purchase the home i called fha and explained the situation rent day was moving closer and explained to them the situation they said not to worry the mortgage will be paid off and not to worry no late payments will be reported do to the home selling and not interfering with the title company. Then the same year we had sold the home we had seen 2 mortgage late payments for 30 days late That is not supposed to be on there almost 4 years later nobody is helping me get this taken off i tried credit repair to challenge these 2 late payments but they were put back on by XXXX XXXX XXXX XXXX she said she could not help me and not only she put them back on my credit report without letting me know she put them on for 60 days late each account i also never knew this was on my credit report until after i had sold my home almost a year later this is not fair and the dates are wrong aswell when reporting months selling the home
Consumer complaint received 2020-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Date XX/XX/2020 exit XXXX XXXX XXXX  XXXX XXXX.went use my debit card bank of america shut down my credit card without any notice stuck out of town with no money i had Toal amount i had XXXX dollars im my account They took about XXXX dollars from my checking account but atm said bank shut my card down wouldnt answer phone on hold 2 hours no reason to do this they have done it before out of town and at home never put money back in my account.they keep leading you on 2 months go by its not worth trying to get money back. They give you case number nothing is ever done ... ... ..i have checking account 2 savings accounts XXXX XXXX  and XXXX XXXX  with this bank z
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

They once again closed my dispute. They sent a breakdown to CFPB that did NOT include payments made in XX/XX/XXXX and XX/XX/XXXX of {$230.00} each. They claimed to give me a direct contact to CFPB but that was also not true and the number goes straight to voicemail and they never return my calls. I made several disputes throughout the year of XXXX and each time the synchrony rep admitted the balance was wrong- I have it all recorded. They would submit for it to be corrected, only for adjustments to be made to the balance but they would still be incorrect. After further research, the difference owed was merely {$43.00} once the refund was issued from sleep number but synchrony continued to send me statements with the wrong balances. Original Purchase amount was {$3300.00} and the credit refund issued was {$2400.00} leaving a difference of {$810.00}. {$770.00} worth of payments were made in XXXX, XXXX and XXXX of XXXX. The difference would be {$43.00}. Yet the statement mailed in XXXX of XXXX after the refund was issued showed a balance of {$230.00}. I then contacted Synchrony MULTIPLE times and they submitted multiple disputes to get the balance corrected so I could make the payment if indeed anything was owed. I have NEVER had a late payment yet now they are reporting on my credit that I was 90 days past due. They never supplied me with an accurate balance and everytime i call in ( recorded calls ) they admit it is incorrect. Since I have called in on this dispute, they hang up on me everytime. Unacceptable
Consumer complaint received 2020-03-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MD)

Hello. Due to the coronavirus pandemic, my fiance lost his job on XX/XX/2020. We have a mortgage together with Caliber Home Loans. We called to find out whether we can defer at least a payment or two and were told that the only program they have available is forbearance. We can forbear our payments for up to three months, but at the end of that period, all payments " missed '' would be immediately due. How is that supposed to help anyone at this time????? I just looked on their XXXX page and that is the same complaint everyone is having. I provided other consumers with the link to this complaint page and was removed from the Caliber Home Loan page. 

In addition, we had work done due to a mold issue, and they had to co-sign on the check provided to us by the insurance company to give to the construction workers. We have never been late, ever, on our mortgage, and nothing is due to them at this time ( until XX/XX/XXXX for next mortgage payment ) yet according to what I just saw online today, they are only signing off on half of the funds.
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

Collections account from TSI collections appeared on my 3 credit reports, from XXXX XXXX in XXXX  It was on a closed account that was paid in full at closing. XXXX XXXX verified paid in full at the time. XXXX decided to " re evaluate '' the account a month after closure and added another XXXX. No mail, phone, voicemails, email, etc notification was sent to my new address ( or same phone and email addresses ). A few weeks ago a collections account from TSI appeared on 3 credit reports, dropping my score over 80 points. 

I emailed XXXX  who said " an adjustment was made a month after you closed the account '' so they sent it to collections 2 plus years after the account was closed. I emailed XXXX letting them know that the account was paid in full, verified as such at the time of closing and that I had received no notification otherwise. I told them that I would pay them immediately and directly, although I disagreed with the bill, but that I wanted the collections removed and to pay it to XXXX. They agreed, sent me a link to pay, which I did immediately. 

I emailed XXXX  again, letting them know it was paid to them via the link provided and to contact the collections agency to remove the collection account from my 2 reports ( I disputed 1 report and it was immediately deleted ). I received notification today that it is now listed as " collections- paid '' from TSI on all credit reports instead of being deleted as a collection account. My credit is still hit for over 30 points due to XXXX XXXX  error. I need to have the TSI collection account deleted from all credit reports as promised, as the collection was incorrect and the payment was made to cenhud, who told me that they took it back from collections due to the many errors in the billing. Thank you.
Consumer complaint received 2020-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I signed up for a secured credit card with Capital One and due to an error outside my control my payment did not post and I was kicked out of the program they have for new account holders which states if they pay the first 6 payments on time they would automatically get a credit line increase. I mailed my payment in 2 weeks before the due date and it was never received or posted. I recently signed up for a Quicksilver credit card with them and again same program and I missed a payment because their system said I had already posted a payment. Now they are saying the payment was canceled ( which it was but why their system was saying it wasn't I do not know ) and thus I missed the payment date. I have also been told that canceled payments don't always get canceled, so I was going by what I was told and what their system told me. If I had known this I would have made a payment and not be filing this complaint. I tried twice including speaking to a manager in getting this fixed and they claim they can not fix it. I would like this fixed because it is also going to affect my credit score and my reputation with them because it is showing I was late one time.
Consumer complaint received 2020-03-28
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. (GA)

in 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (PA)

Good morning Time and time again I have tried to discuss and have someone fix this. I have a student loan by XXXX the department of education which first garnish my payroll at {$40.00} weekly through a rehabilitation program and at the same time I had a separate $ XXXX monthly payment that is automatically paid. Neither those amount were neglected or default but time and time again this company reported me late and on default damaging my credit. Further I have completed my rehabilitation program. As of XX/XX/XXXX due to the pandemic the Care act was placed that states that all student loans should not be reporting negative to the credit bureau. The care act also states about {$0.00} interested and even forbearance to be put in placed. Yet on XXXX XXXX reported me negative decreasing my credit score damaging my chances to qualify for a home that I so much need. This needs to be stopped. I have complied with all the requirements and no one seem to care and continue addressing this matter with careless and rude behavior. My credit shouldn't be mark negativity from the beginning. XXXX has been recieving payments upon agreement. I need someone to seriously look on this matter because this is unacceptable and very dangerous to my credit and is affecting my living possibilities. I do not believe this company have treated me fairly from the start. I need someone to make them address this matter properly
Consumer complaint received 2020-03-28
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. (IL)

XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} ( Chapter XXXX bankruptcy discharged XX/XX/XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with XXXX  XXXX  Equifax
Consumer complaint received 2020-03-16
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)

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.