davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL (CA)

1st, as I told you people earlier this month, I finally PAID OFF ALL CREDITORS!!!! Now these conniving derelicts at XXXX XXXX seem to be to stupid to obey federal laws and report this these derelicts harassed me forever with with some malignant law firm here in XXXX, NO excuse now, to continue being opprobrious, NONE of my credit reports reflect these derelicts have been paid off for there lousy generic made furniture at XXXX XXXX, junk pressed wood they purposely deceived and over-charged me for there junk product!!!
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Multiple times I have made attempts to dispute a transaction that was posted because I had returned the item on XX/XX/XXXX I made initial contact with Bank of America and was told they would make an investigation. The same day they claim they were unable to pay because they state it falls out of their " timeframe '' I have specifically told them through now 5 phone calls that the merchant XXXX has attempted to disburse a refund for months and have been unable to. I was led on for months on their part with the order arriving back to them on XX/XX/XXXX. Being in constant contact with them over the refund that was of a total of {$2900.00}. Bank of America have asked for documentation stating that I would receive a refund and I faxed all documentation with the refund policy, the tracking number, and the statement from XXXX stating that they have received the refund. Now all of this was sent on XX/XX/XXXX and on XX/XX/XXXX I received the same letter stating unable to pay again. I have spoken to Bank of America multiple times and have heard the same thing stating they will be " researching ''. Yet they arrive to the conclusion immediately as if they were a bot.
Consumer complaint received 2019-04-04
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: CITIBANK, N.A. (PA)

Everything I am writing about is noted in my call logs with the company. 

To whom it may concern, I am writing in regards to my Citi Simplicity card I was on the phone with XXXX from Kentucky, an accounts supervisor. My issue couldn't be resolved by her. She also stated that she was the highest person that I could talk to on the phone and told me to write in. 

So with that being said, my issue is this. 

On XX/XX/XXXX I made a payment in the amount of XXXX . Well at least i thought i did, turns out it was for XXXX . An obvious mistake. 

On XX/XX/XXXX my account was apparently reviewed and determined to be a risk due to a late payment from another creditor reported on my XXXX  credit report. With this review, my credit limit was reduced by approximately XXXX . All of which I was not currently aware of. 

On XX/XX/XXXX I had realized from my bank statement that I had made an error in payment and called quickly to rectify the situation. I had talked to another account specialist and asked for the change to be made explaining that it was meant to be XXXX $ NOT XXXX $ and if I could get the XXXX $ returned. I was assured I would be and to give it a few days. 

No problems, right? 

After waiting patiently for over a week, I called back in to find out the status of my refund. I was told it was still under review and to check back. So I did, almost 2 weeks from initially being told I would be refunded I called back in yet again. I spoke to an account specialist who noted that apparently it wasn't refunded because they had the wrong account number. Now this I find odd since I have autopay set up with this account and have been making payments from the same account since I opened the card. But i accepted the answer and 2 days later i finally got my refund of XXXX $ Everything should be good now right? 

No. 

My issue is this, my credit limit was reduced, one day after a mistaken payment, that was realized and and reported 2 days after the payment. 

I was not notified of the decrease in credit, before I had made the appropriate steps to reconcile the mistaken payment. 

So now my credit limit is approximately XXXX $ lower then my balance. 

Illegally. 

You can not decrease my credit limit below my balance. Which it currently is.
Consumer complaint received 2022-09-16
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Date Opened : XXXX 6,2016 Balance : {$72.00}
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MA)

Last payment was received to account XX/XX/XXXX and shows " credited '' however the account has been blocked for use for an undisclosed amount of time as Wells Fargo investigates the payment. 

As of today XX/XX/XXXX the account is still blocked for use. Calling Wells Fargo and speaking to a supervisor only gave me the information : " The department that can unblock the account can only be reached via e-mail, they will respond in 24 hours '' In addition to the issues with the payment processing the issues conveniently prevented me from taking advantage of the account sign up bonus ( XXXX points for first 5 days, XXXX points on the first of the month ) due to the account being constantly blocked for charges. 

It is totally unacceptable for a bank to be unable to resolve this issue even in the 24 hour period that they have since exceeded by weeks. It is false advertising to offer a sign up bonus that cant be achieved due to a non working card.
Consumer complaint received 2019-02-05
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. (CA)

There is an incorrect address on my credit report. XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX and i have called all 3 credit agencies and two claimed to delete it and sent updated reports and they are still there. None of the agencies want to remove it and their claiming its removed but its still there in four different ways, please help. I need my address to be accurate. My address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I settled an old XXXX account that was in collections with XXXX XXXX XXXX. The rep XXXX, gave me a confirmation of settlement # XXXX and told me the amount was actually for {$190.00} ( and change ). 
My credit score before this was good and XXXX and my FICO score had been around XXXX. I found out today by Experian alert, that my credit score dropped 79 points due to being Flagged by XXXX XXXX XXXX on XX/XX/XXXX and again today. Why?! I settled on debt last Friday. 
I first called Experian asking and why this is going on and they had no idea. I then called credit collection services and spoke to rep XXXX XXXX about this as he didn't know either why this was happening. I then asked to speak to a supervisor. A XXXX XXXX ( sp ) answered the phone " asking how she could help '' ... why waste more time? I asked if she was told about my situation and she said " yes '' at which point I asked her to please not waste more time then and help me resolve this. She confirmed the payment of settlement was updated the day after I called in which was XX/XX/XXXX. She also didn't know what was reason for my Experian Credit reporting being flagged by her company. Who does know? Ms. XXXX then asked if I disputed the account and when I told her no, she brought up that I did so in XXXX. So I felt compelled to remind her that this was XXXX and that I was talking about why my account was being flagged in the present. At this point, she said that if I " paid the full amount owned on account that they would report to credit bureaus immediately ''. Really? So again the only solution to problems in this country is paying more and more and more right? I'm not even going to get into what's going on in my family right now but I have to pay for a funeral and I'm not in any state of mind to be on the phone with people that represent these companies. I have to pay for a funeral and I have to pay for my own XXXX in XXXX So I was just about to apply for a loan but this collection agency is flagging my credit to the point which it drops 79 points in two days after I pay my that something is wrong here and I would like to know why. I just spoke to my friend who managed a marketing dept at XXXX XXXX for 7 years and he was appalled and told me to do this.
Consumer complaint received 2023-01-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am challenging an account that Equifax is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Equifax last month informing them of this, but my request fell on deaf ears. I do not believe that Equifax started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Equifax reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Equifax. Please see the attached documents and remove the account from my credit report.
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

I switched to another hazard insurance company in XX/XX/XXXX to lower my insurance premium but instead, my monthly mortgage payment went up due to incorrect escrow calculation. I repeatedly contacted my mortgage servicer, but each time they said that the escrow will be reviewed " soon '' and adjusted ( last escrow statement was XX/XX/XXXX ). I kept checking but no review was done even for the last qtr XXXX. Now it is XX/XX/XXXX and i have been paying the higher escrow amount all this time when it should have decreased. I tried calling the loan servicer again today XX/XX/XXXX but after 10 minutes waiting for my call to be picked up, I had to hang up.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so inXX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Consumer complaint received 2023-03-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX I received a letter from the IRS stating that because of {$14000.00} of debt canceled by Regional Acceptance ( auto loan ), I owed {$4100.00} due to the IRS by XX/XX/XXXX. As I never received notice of debt cancellation ( 1099-C ) about this loan account # XXXX from regional acceptance I began calling on XX/XX/XXXX to XXXX ( option XXXX ). 

As of today XXXX, I have called and left messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX with my account number and call back #. There has been no response from the company nor can I speak to a live representative I only receive a voicemail option when I called XXXX option XXXX. 

My concerns are that : a ) I never received debt cancellation notice. This debt was a joint loan with my ex husband from 2017 in which I was not fully responsible for as we both signed. 
b ) This company makes it impossible to speak with someone to resolve issues. 
c ) This is affecting my livelihood as the IRS has sent a letter stating that because of this I owe {$4100.00}. 
d ) I can not dispute this with the IRS because I can never get in contact with anyone at Regional Acceptance. 

This feels like fraud and it's company abuse.
Consumer complaint received 2021-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im writing in regards to my letters I sent on XX/XX/2020 regarding unauthorized inquires that are being reported on my credit report. Up to this day 47 days later I have not heard anything back from any of the bureaus regarding their investigation. My dispute regarding this matter has gone unanswered and I feel as if I'm being ignored. It has been well over 30 days and to my understanding of the FCRA Section 611 ( A ) the bureaus have 30 days from receiving the notice to investigate these items and if not verified remove them from my credit report. I want these unauthorized inquires removed from my report promptly. These items are affecting my credit and I want these inquires deleted or I will file for litigation due to the stress that I have been put through. My information was compromised by the data breach from XXXX and has gotten into the hands of the wrong people.
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (CA)

First of all XXXX XXXX, previously known as ( XXXX XXXX ) was an account I had back in 2004 this account was removed from my credit report based on credit report policy of after 7yrs being reported. I have never used my daughter email account in any of my personal credit card accounts. Further in XX/XX/2004 my daughter was only XXXX years old meaning the email used to contact me did not exist. So this third-party collection agency agent decided to violate my daughters privacy by how did they get to use her personal email to contact me? What if this person wasn't related to me and the companies employee assumed it was? My entire dept amount which I don't recall, it was given to this individual ( my ) daughter through spam-email including the year of it being opened and when it was charged off and the credit cards amount owed. It states in the bottom that collectors are only to contact your spouse and not to give anyone else your dept information.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX, XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file is listed on my credit report : XXXX XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX2016 Balance : {$72.00}
Consumer complaint received 2019-04-04
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. (OH)

I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I demand a copy of any type of proof for claim. I have no business dealings or paperwork until then please delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Our auto loan with Pentagon Federal Credit Union was on XXXX for the entire 60 month loan. For the final payment ( month XXXX, XX/XX/2022 ) they did not deduct their payment via XXXX and without notifying anyone and the account went in arrears. PenFed did not reach out to inform the loan was late, and I was only alerted when my credit score reporting service notified me that my score had significantly dropped. 
I contacted PenFed immediately, paid the unpaid month, and opened a series of credit disputes, including case # XXXX with PenFed. They have not corrected their error nor explained why a loan correctly setup on XXXX would go late. PenFed claims they can find no error on their part, this is inaccurate and fraudulent.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from TransUnion to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported Balance amount of {$5900.00} for the XXXX  XXXX XXXX account is inflated and inaccurate. I do not recognize this amount and firmly believe that I owe a lower balance. Additionally, the Past Due amount stated by your agency for this account is misleading as it was closed and charged-off. As I intend to contact the creditor directly to correct this distorted information, I request that TransUnion marks this account as disputed until we find a resolution. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$31000.00} The account with XXXX XXXX XXXX  was never late, and I request that TransUnion promptly removes the late payment status associated with this account from my credit report.
Consumer complaint received 2019-09-18
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: TRIDENT MORTGAGE COMPANY, LP (PA)

I submitted a mortgage application with Trident Mortgage, My credit report was supposed to be access one time. I received an alert with the three credit bureaus stating that my credit report was pulled on XX/XX/XXXX and XX/XX/XXXX from the same company. I verified with XXXX XXXX that Trident Mortgage requested my credit report two time. I was told that the company can only pull a credit report every 30 days. By Trident Mortgage doing this transaction has lower my credit score.