davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (OH)

I have been checking my credit score with all three agencies for months due to identity theft and because I have been working on raising my score to purchase a home. My score has been going up due to a credit score loan that I have been paying on early, my credit went from XXXX to XXXX since XXXX, I look every day, today I went on credit karma and it said Equifax score down XXXX points, it has a button to see what's changed, it stated nothing has changed, I called them because there is nothing at all that has changed in my credit report, they can't even find any changes. I asked them to explain what happened to drop my score XXXX points in one day. They told me nothing has changed on my credit report and can not explain the XXXX point drop in my score overnight. They will not look into the issue any further because they said they're has been no changes as I have proof of. They still will not fix the problem even though they agreed there was no reason for the drop. I want this fixed. There have been no changes, no accounts added, my accounts are frozen from any potential additional accounts being opened. But they will not investigate the problem that is obviously a mistake. My other credit report agencies did not have any drop in my score, in fact they are all increasing. Equifax is not giving any information as to why this would happen they have no explanation. I told them I was filing a complaint with consumer protection. I am two days away from going to lenders to pre-qualify for a home loan and now I can't due to Equifax dropping my score XXXX points over night with zero explanation. And they will not fix it.
Consumer complaint received 2020-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (MI)

I fell behind on my loan due to employment and COVID starting XX/XX/2020. I have recently made two payments but the company has called me every day possible since XXXX. I have told them several times that this behavior is harassment and will not help them get their money fast. Yet, they call me multiple times every day. They are a harassing faction and should be punished. Their number is XXXX
Consumer complaint received 2022-09-01
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. (GA)

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (CA)

Account was settled in full on XX/XX/2020. Posted on XX/XX/2020. Was told on a recorded line ( I also have the audio recording ) that the trade line on my credit reports from XXXX XXXX would be requested for deletion within 30 days from posted date ( XX/XX/2020 ). Thirty days was XX/XX/2020. Contacted the company on XX/XX/2020 and was told something to the effect of, " I'm not sure why but the system is showing your account was not closed until XX/XX/2020, therefore our tradeline deletion request from your credit report will not be requested until XX/XX/2020 ( 12 days after the agreed upon date ). 

The customer service representatives attempted to elude my questions and XXXX XXXX ( Executive Operation Manager ) initial refused to transfer me her supervisor despite my multiple request.
Consumer complaint received 2022-09-01
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I do not owe Fair Collections and outsourcing for the debt that they are reporting on my credit report. This account shows as open on my credit report. I did not sign any contract with them. I am asking that this be deleted off my credit report.
Consumer complaint received 2020-09-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

I entered into an agreement in XXXX of XXXX with XXXX  XXXX  who was managing a debt owned by USAA. At that time I owed USAA for two repossessed vehicles. One vehicle was a XXXX XXXX XXXX  and the other was a XXXX XXXX XXXX. Although both cars were under repossession, only the XXXX XXXX  was ever physically taken. When XXXX contacted me, we entered into an agreement to pay off the one car that was physically still in my possession, the XXXX XXXX. I made it clear to the XXXX agent that I wanted to pay off the XXXX XXXX. At that time she sent over an agreement with only an account number and reassured me that this was for the XXXX XXXX only. I spoke to the XXXX  agent on multiple occasions about the XXXX I was paying off and was never once informed that I was not paying off the XXXX. In XXXX of XXXX I completed our payment arrangement and contacted XXXX. They informed me I was done paying, and I could reach out to USAA to ask for the car title to the XXXX. When I contacted USAA they informed me that the XXXX XXXX  was now paid off, but no payments had been made on the XXXX XXXX. I never agreed to pay the XXXX XXXX  account at that time and only discussed the XXXX XXXX with XXXX XXXX. Since XX/XX/XXXX I have been reaching out to XXXX and USAA and have still received no resolution.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

These collections were deleted because of billing errors and are recycling as new collections ... My insurance paid them. This is in violation of the FCRA ... 

COLLECTIONS XXXX XXXX XXXX {$1800.00} inaccurate/not mine XXXX XXXX XXXX {$88.00} inaccurate/not mine XXXX XXXX XXXX {$100.00} inaccurate/not mine
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I have an unauthorized credit check from Equifax XXXX  XXXX showing up on my Equifax Credit Report. I do not know who this company is and do not understand how they got my information to run credit but I have never given them permission to do so.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citibank checking account in XXXX. At that time, they had XXXX $ for depositing a large amount of money in the account. My account was funded the required amount on XX/XX/2022. In XXXX I asked the Citibank 's customer representative if I satisfied the bonus requirement and okay to withdrew fund for other usage. The representative responded yes and said explicitly that the bonus will still be delivered. However, after that, every single time I checked in with the representative and they kept delaying the bonus time. The last time I talked to them in XXXX them said I'm not eligible for the bonus because I withdrew the fund early. I'm furious and I hope you can help resolve this issue. Citibank is really a bad company to deal with, I probably will never have any relationship with them after this.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

these following inquiries were not authorized Show DetailsXX/XX/XXXXBankingXXXX Show DetailsXX/XX/XXXXBankingXXXX Show DetailsXX/XX/XXXXOil And National Credit CardsXXXX XXXX XXXX Show DetailsXX/XX/XXXXUtilities And FuelXXXX Show DetailsXX/XX/XXXXUtilities And FuelXXXX XXXX Show DetailsXX/XX/XXXXBanking XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXXFinance XXXXXXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Oil And National Credit Cards XXXXXXXX XXXX Show Details XX/XX/XXXX Oil And National Credit Cards
Consumer complaint received 2016-06-08
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

One Main Financial, XXXX Virginia. If you are a day late with a payment they will call you 8-10 times per day and will still call after you speak with them. We know we have to make a payment and they do not need to continue to call so many times. They told us why they call so much and leave messages is because we do not answer the phone. If you have multiple household members and you each have a loan, they will call each person 8-10 times per day. Our phone rings constantly! This is a small company and they know that there are XXXX household members with separate loans with the same phone number but continue to make repeated phone calls.
Consumer complaint received 2024-02-11
Product: Credit reporting 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)

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2023 of an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late in the last 2 years on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to request that the negative items listed below be removed from my credit report immediately. The negative items are as follows : XXXX Formerly XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) recently suffered a major data breach, which has put consumers ' sensitive financial information at risk. Due to this breach, I have reason to believe that the negative items on my credit report may not be accurate, and I request that they be removed as soon as possible. 

I also want to bring to your attention that the continued reporting of these negative items may be in violation of US Code 1681 I, which requires that credit reporting agencies only report information that is accurate and verifiable. Given the potential inaccuracies caused by the CFPB breach, I believe that it is appropriate to remove these negative items from my credit report. 

I hope that you will take prompt action to investigate these negative items and remove them from my credit report since they are found to be inaccurate. Please inform me of your findings and any actions taken to correct my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have disputed XXXX automotive with XXXX, XXXX, and equifax. They have charged off my account in XXXX and again in XXXX causing my score to drop and keeping the account on my profile for an additional 7 years
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/2020, my brother wired two wire transfers from a bank in XXXX to my HSBC bank in the United States. The first was for $ XXXX which I received in my HSBC XXXX XXXX in the same day, while the second transfer for {$120000.00} has not been deposited in my account as of yet ( XX/XX/2020 ). 
After days of communication with my account representative and customer service at HSBC, they notified me on XX/XX/XXXX that the wired funds are in HSBC escrow account pending calcification from XXXX XXXX  which I have no account nor any contents. I was provided a case # US XXXX. I called XXXX XXXX wire transfer department they noted that this case # is not theirs and referred me back to HSBC.

It has been almost two weeks and I out of {$120000.00} and neither XXXX XXXX are of any assistance. We contacted the XXXX  XXXX  and they confirmed that the money is out of XXXX and at this point they have not control. 
I appreciate any assistance that you can help me resolve this matter
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Arivo Acceptance, LLC (AZ)

I am currently financing my vehicle through Arivo Acceptance, and I must express my deep dissatisfaction with their customer service, which I find extremely disappointing. Furthermore, their XXXX XXXX XXXX XXXX XXXX XXXX rating is shockingly low, standing at a mere 1.8 out of 5 stars. 

My primary concern revolves around Arivo 's failure to update the credit bureaus since XX/XX/2023, despite the fact that it is now nearly XX/XX/2023. This situation is wholly unacceptable, particularly because I am currently in the process of purchasing a home with my fianc. To maintain a favorable financial standing, it is imperative that Arivo promptly and accurately reports my payments to all three credit bureaus on a monthly basis.

I firmly believe that there is no excuse for Arivo 's inability to fulfill this basic obligation. As a conscientious borrower, I consistently meet my monthly payment commitments, and it is only fair that Arivo, as a reputable financial institution and lien holder, operates with the same level of professionalism and responsibility. Therefore, I urge Arivo Acceptance to take immediate action to rectify this situation and ensure that my credit history is accurately and consistently reported to the credit bureaus moving forward. This is essential for my financial well-being and my ability to secure a home for my family.
Consumer complaint received 2019-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/2018 I did a payment to the IRS with my Credit Card for an amount of {$3400.00}. This payment appears in the IRS records, but it indicates it was reversed the same day. The money was credited to my account on XX/XX/2018. However, the money was taken away from my account again on XX/XX/2018. My bank ( Bank of America ) states that this transaction did go through, and the payment should be with the IRS - yet, the IRS does not have a record of this last payment ( made on XX/XX/XXXX. ) BoA is refusing to look further into the matter, saying that the payment was made, there is nothing else they can do - however, the IRS has issued me a transcript indicating this payment was never made. 
Bank Statements from BoA and an Account Transcript by the IRS have been provided. BoA refuses to acknowledge that the payment never got to where it was supposed to go.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (WI)

I tried calling Direct Express myself 6 to 7 times. I was either cut off or couldn't understand the person. I called regarding two withdrawals one in XX/XX/2019 and one in XX/XX/2019 that I did not make. I went to the Social Security office for help but was told to call the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I called the XXXX and made an appointment for XX/XX/2019 On XX/XX/XXXX, I met with an Elder Benefit Specialist to call Direct Express. When she called, we were not allowed to be on speaker phone. I am hard of hearing and the accent of the person was hard to understand. The customer service rep did NOT allow the Elder Benefit Specialist to use the speaker phone. He talked to her directly and had a hard time understanding. I gave permission for the EBS to talk to the rep. the rep told her he had to call an XXXX # associated with the transaction. She was unwilling to anything else. 
I would like these charges/withdrawals that I did not make credited back to my account. I asked for a paper statement and it is being mailed. 

XXXX XXXX
Consumer complaint received 2019-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.
Consumer complaint received 2019-06-13
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

XX/XX/2019 Select Portfolio Servicing forced a call thru our company switchboard to harass me over my account. I instructed them they are not permitted to call me at my work and requested they contact me at home. They refused and stated they will continue to harass me at my place of employment!
Consumer complaint received 2019-06-13
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: Experian Information Solutions Inc. (NC)

I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.
Consumer complaint received 2019-06-13
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. (NC)

I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my credit card accounts with no warning on XX/XX/XXXX. My credit card had a negative balance at the time due to overpayment. Wells Fargo informed me I would have the money within 1-2 business days transferred into my checking account. When the money had not arrived, I called again and they told me it would be up to 1 week. Again, I waited a week and the money has not arrived. I called the bank again yesterday, and they've told me there is now no expected resolution. They have fed me false information when I could have taken other means to transfer my money, and are now holding my money hostage. This is theft. My Wells Fargo case number is XXXX.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is against Bank of America regarding my mortgage. On XX/XX/2019, I made a payment on my mortgage in the amount of {$1100.00} through XXXX XXXX. A few days later, Bank of America returned my payment claiming that XXXX XXXX has insufficient funds. I called them immediately and organized a three-way conference call with XXXX XXXX who confirmed that the payment has been deducted and had sufficient funds on the account. I furthermore sent in proof from my XXXX statements that there were sufficient funds and no money had been returned from Bank of America. This was several times confirmed by the customer service representatives when I called in. ( My girlfriend, who listened in, witnessed these calls. ) However, it happened on several occasions that some incompetent customer service representatives did not find the documents and told me to start back at square one. This has been going on for at least ten weeks and I put in at least sixteen hours for this issue. I have always been given a deadline as to when this issue will be solved. As to this day, after the fourth deadline has passed, as I know from friends that this issue happened to other customers, that this behavior of Bank of America is grossly negligent and incompetent at best or criminal at worst. The Consumer Financial Protection Bureau needs to take adequate steps against that company. I want to be compensated for this unprofessional behavior, which is bordering criminal behavior.
Consumer complaint received 2019-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (TX)

I mailed Mortgage payment On Thursday XX/XX/XXXX and Used the United States certified express mail with a signed return receipt. I still do not see my payment posted to my account. The I called PHH because XXXX switched their name and it's the same horrible service, I am sitting on hold for 30 Minutes to be told by Operator number XXXX who has no first name that PHH will be doing a trace to see who cashed my payments. Then after this wait I was told that the escalation team will return my call. I asked the young lady again for her first name and she replied it " XXXX ''. Not sure if that's accurate but look at my first payment. This is crazy. I don't see anything on my account.