davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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: AMERICAN EXPRESS COMPANY (WI)

American Express card- I checked my account closely at XXXX 2021 and charges totaling {$4500.00} to e-gift cards from XXXX were on my mobile account. I reported this immediately and was told this happened to others and not just me! XXXXnvestigation and I assumed their Investigator for Fraud called me and it was hard to clearly hear him. Again, I assumed and shouldnt have!! They have now told me I am still responsible for these e-gift cards-I am an old lady and I do Not do anything EVER with e-gift cards. 
I never made the purchases!! I have been arguing with the Fraud Dept. For Months! They have also reported this to the credit bureaus!! XXXX XXXX is not taking responsibility here! I dont have $ to pay for Fraud on my account!
Consumer complaint received 2018-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion File Number XXXX XX/XX/2018 Account Review Inquiries has XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- XXXX XXXX -- -- -- -- XXXX XXXX XXXX -- -- - XXXX XXXX XXXX showing on Account Review Inquiries and I don't owe any of these companies and should be removed
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I am writing to the Consumer Financial Protection Bureau as a final effort to resolve an issue I am currently having with Rushmore Loan Management Services located in XXXX California. Over a year ago I had applied for a loan modification due to a financial hardship. At this time I retained an attorney who represented me. We could not agree to a modification on both sides. With the direction of my attorney I filed a preliminary bankruptcy so I would not lose the house. Rushmore then presented a modification and I amicably agreed to their terms and the petition for bankruptcy was promptly withdrawn by my attorney. Rushmore asked for a good faith down payment which I complied followed by monthly mortgage payments wired directly to them by my bank for 6 consecutive months. These were the terms to satisfy this agreement. In spite of complying and sending timely payments a few days to a week prior to the due date and Rushmore issued auction dates and continued to record as foreclosure. I also wrote to the XXXX  in an effort to remove the foreclosure by Rushmore. It was only after I contacted the XXXX  that Rushmores attorney responded with a letter of apology and stating errors were made by them. I finally received the congratulations on your modification letter several months after the terms were completed dated months before. I am now still receiving multiple mail correspondence from attorneys stating that it is still recorded as a foreclosure by Rushmore. Bankruptcy was never completed at any time. I continue to be in good standing and this foreclosure issue has to be cleared. If something can be done by your agency it would be greatly appreciated.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Santander Consumer USA Holdings Inc. (CA)

On XXXX.2021, I didn't give XXXX XXXX XXXX permission to obtain my consumer credit report.

15 U.S.C 1681section 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 a accoun
t without my written instructions
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

On or about XX/XX/2022 I sent letters to Experian describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. 
FRAUDULENT REPORTING XXXX XXXX FRAUDULENT REPORTING XXXX XXXX XXXX FRAUDULENT REPORTING XXXX FRAUDULENT REPORTING XXXX XXXX  FRAUDULENT REPORTING XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.
Consumer complaint received 2022-04-08
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. (MO)

I have been receiving multiple " pre approved '' loan offers and credit offers. I have never responded but I have come to learn that my teen step son has pretending to be me. I filed the opt out information and contacted all XXXX credit bureaus. Disputes have been filed on some but the inquiries and incorrect reports have hurt my ability to recover from bankruptcy severely.
Consumer complaint received 2021-05-12
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. (VA)

On XX/XX/2021 I wrote into each company detailing each misleading inaccurate items that are being falsely reported. As of today over 60 days later I have not received a response that the investigation has even begun. I also mentioned I was a victim of the Equifax data breach and I am just now being made aware. Now more than ever I feel my information was compromised in the breach. I demand these erroneous items be removed
Consumer complaint received 2022-01-24
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: ALLY FINANCIAL INC. (FL)

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY XXXX XXXX XXXX ALLY XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-01-24
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. (PA)

All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
XXXX. XXXX XXXX XXXX XXXX XXXX bank. 
XXXX. XXXX XXXX Bank XXXX All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (SC)

My name is XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX, phone XXXX. I am a customer of TD Bank here in XXXX XXXX. I had never had a savings account with them, but had CDs with another bank. I received an ad from TDBank saying that if I opened a new savings account of {$20000.00}. with them from another source that I would receive a bonus of {$200.00}. after 90 days of deposit. I did this on XX/XX/XXXX, I went into the bank, sat at a desk with an agent who explained what the new account was all about. I deposited a check for {$20000.00}. from the XXXX XXXXXXXX XXXX to open my new TD savings account. No one said anything about it having to be opened ON LINE, which is claiming is the reason I didn't get any bonus. After 90 days I I received a statement saying that I had earned XXXX CENTS interest!!! Wonderful. I called, went into the bank, fussed for 2 weeks and have had NO response from them other than they are WORKING on it. .The email that had lured me into their scheme is still in my here in my email file. I can forward it to you if you want. Had I left my money in the CD at XXXX  I would have made {$12.00} ub the 90 days. I am filing an official complaint, FALSE ADVERTISING. I would never send my moneyto an email that I didn't trust its source. SURE, it said TD Bank, but have been a scam from anywhere. 
Please help me. I am XXXX XXXX XXXX and my money is important to me. -- XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following information is incorrect : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This is also incorrect XXXX XXXX I am currently employed by XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (FL)

My account was on automatic payments for years. they were changing names of the bank and did not take out my automatic payments. they did not contact me to tell me the payments were not taken out and then closed my account. I called and they apologized and told me to pay the amount due, minus late fees and interest and they would remove late reporting and report account as paid in full. after getting the payment they lied and reported it as settled for less. i disputed this 10 times and they refuse to fix it. they claim the agent who told me this was incorrect! I would not have paid off the balance if they did not agree to remove late reporting and report paid in full. I even asked them to just delete the tradeline and they refuse to do this also!
Consumer complaint received 2022-01-24
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: AMERICAN EXPRESS COMPANY (FL)

XXXX is failing to reflect 4 American Express credit cards that I am individually responsible for, despite connecting my American Express account to their " boost '' program and submitting additional paperwork from American Express that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. 

I opened a dispute with XXXX to resolve this problem. XXXX suggested I contact American Express, which I did. American Express provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to XXXX on XXXX. American Express claimed they were going to " re-send '' my credit data to XXXX but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. 

As noted above, I linked my American Express account with XXXX 's boost program, which uses a third party to search my credit cards for utilities and other bills. XXXX was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. 

It has been over 30 days since I began asking XXXX to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is related to Capital One and their horrendous customer service. I purchased a container of furniture for my business from XXXX using a money wire service called XXXX. The amount was {$10000.00}. The product was grossly misrepresented so I reached out to the manufacturer who refused to answer my questions about the product. He even kept eight of my chairs and didn't tell me they were on the container until I asked where they were. Long story short, I filed a claim with Capital One and they sent me an email saying the provisional credit was mine to keep and the dispute was now closed. But then two days later they send me another email and said they'd be removing the funds from my account. They didn't give me any documents or reasoning. How can they do that?! Bad business and unethical. I'm pissed.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have contacted all three credit bureaus and notified them that the personal information reported is incorrect along with a copy of my social security card, identification, and a current utility bill. With the amount of identity the going on, I am very fearful that someone could mistakenly. 
identify me as someone else with this incorrect information on my credit report.
Consumer complaint received 2022-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I experienced a hardship due to covid around XX/XX/XXXX. I called Carrington Mortgage and was put in a forebearance program. The forebearance was up in XX/XX/XXXX. I called back and was told that my forebearance was up. I spoke to someone in their customer service. She stated that I would be put in another forebearance plan. She said that I did not have to call back and would be put on it for another extension. I called back a month later and they said that they did not say that. I called the advocate Dept and was told to fill out the loss mitigation application. I done that and was told they would look into what was told to me by management. I have been getting the run around and just trying to protect my credit.
Consumer complaint received 2022-01-24
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-24
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-04-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ME)

USAA refuses to honor my VA home loan. They say it's because of my credit, that the VA won't allow it, yet I hold my certificate of eligibility IN MY HAND. They also claim my credit score is significantly lower than what EVERYONE is telling me online.

I went to all this trouble so that my bank, that supposedly services veterans, can refuse me service for 10+ years.

The fact that these lenders use what is essentially hearsay to determine my eligibility is sickening to begin with, but is somehow accepted. 
I'm XXXX, gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supposedly in the name of freedom. I FREAKING DESERVE MINE.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (GA)

Back in XX/XX/XXXX XXXX XXXX XXXX put through two fraudulent Auto loans in my name. One through Navy Federal Credit Union ( approx. {$38000.00} ) and one through XXXX ( approx. {$50000.00} ). I informed both companies that I did not I did not consent to these loans. I have fought this since XX/XX/XXXX and in 2016 Both owners of XXXX XXXX XXXX were convicted of fraud and forgery amongst other charges. Finally in XX/XX/XXXXXXXX has evaluated ALL of the evidence from me and from the Delaware Department Of Justice and agreed to remove the fraudulent XXXX loan but Navy Federal will not properly Investigate this. I have attached the letter from Delaware Department of Justice that was sent to XXXX.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I called equifax on XX/XX/2022, and spoke with representative about why a financial services company couldn't access my credit report. They told me it was because of a dispute that was incorrectly reported and that my report was locked. My report was never locked by me. Also my current address is incorrect and they won't fix it even after verification of my identity. They have my old address on file only and told me to go online to change it. I can not change it on their online under my identity. My current address is on all of my credit accounts and they keep giving me the run around that they can not fix it and a lender will not lend to me for a home until it's fixed. My current address that should be on file is XXXX XXXX XXXX XXXX, PA XXXX. Upon further investigation it seems this happens to alot of people and now is happening to me. I don't know what else to do because I can't get anywhere with Equifax.
Consumer complaint received 2018-07-10
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: PHH Mortgage Services Corporation (OH)

I had this problem with PHH Mortgage some years back. They started again on XX/XX/2018, the caller says that this is an attempt to collect a debt, and that the call is being recorded. I am not behind on my mortgage and the payment is not past due. My payment history is good for the life of this loan.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Talbot, Adams, & Moore, Inc. (MS)

This company Spears Dewitt and Hall keep calling me about a debt I do not owe. They call me from several different numbers. They state the debt is from 2009 for an apartment complex. I asked them to send me information of this debt they say I owe from 7 years ago and they want send me any information. They keep calling everyday stating they need me to pay over the phone. I pulled my credit report several times over that 7yr time frame and that debt they say I owe was not listed. I needed them to stop calling me repeatedly. And making threaten statements to me about taking me to court or garnishing my wages.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Direct (PA)

I payed three payments of XXXX to student loan XXXX to a XXXX XXXX XXXX   and a XXXX XXXX this is a student loan forgiveness program they consolidated my loans when I contacted XXXX XXXX who I found on my credit report said that I could of done this for free the money I gave to them did not even go toward my loan they are trying to get one more payment of XXXX from me Im not sure if this company is legit
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (IN)

PNC Bank Processed a check for {$1000.00} at XXXX which caused an overdraft 0f XXXX. I setup electronic notification of any low balances and made a Cash Deposit of {$700.00} in the morning of the notification. This would have more than remedied this issue. I then noticed in the late afternoon of the returned check. I contacted PNC Customer service and confirmed this check was actually going to be returned. I asked for a Supervisor and talked to XXXX of PNC Customer Service who states she could not correct this issue. I find is unbelievable that if I setup these notifications and once I receive notification, I am not able to do anything to remedy the issue.