davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

INFORMATION ON MY BANK : XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX Via XXXX : XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX for XXXX XXXX Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a XXXX XXXX XXXXXXXX Auto-pay glitch that I had no control over. This one missed 30-day payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED : XXXX  XXXX XXXX chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX who directed me to CFPB. 

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that XXXX XXXX  XXXX does NOT do, I'm asking because it shouldn't be there to begin with, this is XXXX XXXX  XXXX XXXX mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NC)

I opened a new checking account with TD bank on XX/XX/XXXX under an online bonus offer to receive {$300.00} after receiving {$2500.00} in direct deposits within 60 days of opening. I've copied and pasted the exact terms and conditions below : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank withinthe preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offeravailable to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit fundsof {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checkingCustomers when opening a TD Convenience Checking account with cumulative direct deposit funds of {$500.00} or more into the newaccount within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension orgovernment benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between yourTD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonuswill be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus ''. 

I previously held a TD account until XX/XX/XXXX, at which time I closed this account. It was 19 months before opening another account, clearly making me eligible for this bonus per the terms. I had several direct deposits into this new account over the first 2 months, accumulating well over {$6000.00} in direct deposits from salary. After 140 days I have yet to receive this bonus and when reaching out to the bank they state since I've had an account before they will not honor this offer, even after pointing out it had been over 12 months since holding a checking account with them. I have completed all required terms and satisfied the stated requirements per their advertised contract, yet they are refusing to honor their promotion.
Consumer complaint received 2018-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX - CALLS REPEATEDLY ALL THROUGH THE DAY ( ROBO CALLER ) RECORDED MESSAGES AT TIMES OTHER TIMES NO MESSAGES IS LEFTS ON MY PHONE JUST A PHONE CALL. 

XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX   XXXX XXXX ( ROBO CALLER ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

two XXXX  XXXX Bankruptcies were added to my credit report the first on XX/XX/2022 the second on XX/XX/2022. These were later identified by XXXX XXXX and XXXX as not mine. I also have disputed XXXX fraudulent accounts with THE XXXX XXXX, and XXXX. The balance for XXXX XXXX {$1600.00}. The balance for THE XXXX XXXX IS {$17000.00}. I have filed police reports and FTC fraud affidavits. I have also supplied all bureaus with documentation from data furnishers stating that these public records do not belong to me.
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

To whom it may concern, On XXXX, a Levy was placed with the state of RI for {$1200.00}. I was charged {$120.00} legal fee. I am aware that in the disclosure that Bank of America charges for legal orders. What I am disputing is the fact the state did not have the authority to do so as I have an order from a Judge stating my payments for this matter were satisfactory and not in danger of a levy. I have worked it out with the state on XXXX and they are removing the levy. I am asking the {$120.00} legal fee be reimbursed in this case as it was a state error. They said it will take up to 3 days to remove it. If there is no chance for reimbursement, Id like to be contacted in order to close my account. Thank you for your time.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The accounts below have violated mi rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX  ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX ycars. XXXXXXXX XXXX XXXX XXXX A ) ( a ) A person shall not furish any information. relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaceurate. 
Delete the inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-07-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

My husband and I have been customers of Prestige Financial for almost 6 years. In the beginning we have had a hard time paying this loan because of the fact that the payments were too high to begin with. At times they have been gracious in extensions and discounted payments. For almost a year we have been dealing with harassment for payment in the most degradable and despicable actions by their account managers. To me they seem to get a rush of satisfaction from this behavior. I can honestly say that the only person who has shown us respect were the repossession specialist. Over 8 months ago my husband had a XXXX XXXX XXXX, he is still suffering from that and has to have more XXXX. I have recently been diagnosed with an XXXX  XXXX that was coincidentally caused by XXXX. My husband is already on XXXX  and I am 7 months into my application for it. I understand that it is an attempt to collect a debt however this is and has caused XXXX  XXXX  and XXXX. Not to mention that when I told the account manager to wait until XX/XX/2019 to take a payment out he didn't heed the warning and he totally over-drafted our account twice and the bank won't give us the money back. These tactics must stop before they cause irreversible damage.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: VEROS CREDIT, LLC. (FL)

Dear Veros Credit, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Veros Credit ) are " requiring '' a cash down payment. I am demanding that Veros Credit provide verification of XXXX XXXX, XXXX, statements that Veros Credit are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Applied for a credit card with capital one. Terms and conditions were 0 percent through the XXXX XXXX. They have not upheld those terms and conditions. I 've call on several occasions. First being XXXX XXXX. They requested I mail or fax a copy of those terms to them. I opted to mail them. I waited two weeks for a response. Heard nothing. I called back on the XXXX. They kept telling me they never received my what I mailed them. They never corresponded at times they said they would. Please help me hold Them accountable. They 've wasted me time and money.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I was living at the XXXX XXXX apartment for a year I completed my lease and pay my rent on time and once my lease was up in XX/XX/XXXX I left. A year later in XX/XX/XXXX the outpost said that I had move out charges saying I owe them {$340.00}. A whole year of XXXX I don't hear anything from them. XX/XX/XXXX they sold my information to a collections agency, I contacted the manager about the situation and he said he doesn't have my information and I told him I wanted to dispute the move out charges he refuses to help and told me if I wanted to dispute any charges I had to contact the collection agency. I told them that they have a copy of my move out charges and he still refuses to help me. The situation that I'm going to 10 other former residents are going through the samething that I'm going through. They didn't notify me of the move out charges in XXXX when I moved out. The move out charges they put on me are bogus charges they literally made up move out charges to get some money from me. There was no trash in the common room or my bedroom and bathroom was cleaned the bathroom was old and out dated that's it looked like the way it was. I even showed my bathroom to the property manager when I was living there he did nothing about. I told both managers about the conditions of the apartment and the property manager admitted that the last person that lived was supposed to tell me about the conditions of the apartment.
Consumer complaint received 2022-07-26
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: Avant Holding Company, Inc. (FL)

In accordance with the fair credit report AVANT has violated my rights In accordance with the fair credit report. 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (IN)

On XXXX XXXX I made an online purchase of an appliance through XXXX XXXX and Kitchen appliance store. Due to Covid they were unable to get this appliance in stock so they issued a refund to me inXX/XX/XXXX. I had since then changed banks and closed my checking account down so they were supposed to send me a check but instead refunded the money to my closed account via PayPal since that is how I had paid for the item. PayPal then tried to refund the money to my closed XXXX checking account and it was automatically rejected and returned to PayPal on XXXX XXXX. The amount is for {$2600.00}. Both companies are now telling me that they do not have the money and there is nothing they can do for me beyond their original researching to tell me they sent it to the other party. 
I was provided a transaction ID from PayPal showing they sent the money to XXXX and XXXX said their system can not accept money on a closed account so they dont have a way to generate ID numbers on an action that wasnt taken. The money never reached my account and showing PayPal my bank statement hasnt been enough to prove them that XXXX isnt still holding on to the money. They will not investigate further till I have proof from XXXX that they do not have the money and XXXX is telling me they dont have any way to prove that. Neither company seems willing to go beyond the basic glance at my account before blaming the other party. 
On XX/XX/XXXX I initiated a conference call myself and had both companies on the phone and theyll by the end of the call XXXX was to do more research and see if they could prove they didnt have the money in a way that would make PayPal happy and PayPal will do nothing till they hear from them. 
I called XXXX again on XXXX and was told they could do nothing for me and to take it up with PayPal, who is also doing nothing to find this money. Im not sure what to do now.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P.S.C., Inc (WA)

Account Name : PUGT SND COL Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$710.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2023-04-09
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. (AL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I test drove a vehicle and they asked for my information. I gave them it with the intentions that they promised my credit wouldnt be ran ( only soft hit ) They lied to me and ran my numbers. Then in questioning the company they continued to lie to me saying they didntThis all happened XX/XX/XXXX. I am beyond furious because my credit score was XXXX and now down to XXXX
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (FL)

I do not have business with this company and they are constantly calling me from different numbers. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

While at the XXXX I was presented with a program called, " care credit, '' the process was done while under duress of tooth pain. 
the representative did not clarify how the account was managed, nor did they disclose the rate amount. They did disclose if the amount was not fully paid by a certain date, rate would increase, though ; the rate amount of the increase was not disclosed. 

Covid impacted my income shortly after the account was opened and I was not able to pay off the total amount by the date of increased rate and due to the incredible rate increase ( which was not disclosed ) I find myself paying an extreme amount of interest. 

The customer service rep that I recently spoke with did not take time to verify my identity prior to disclosing information and spoke to me as though I was in collections. 

This company is a predictor lender and I need assistance.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (VA)

On all 3 of my credit reports Wells Fargo reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because Wells Fargo know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since Wells Fargo had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against Wells Fargo. The information by law should be removed until the litigation is completed.