davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NH)

Simple Bank ceased operations and transferred customers to BBVA USA on XX/XX/2021. Instructions were provided to activate new account and seemed pretty straightforward however when attempted, I was bombarded with error messages and told to call a customer service number. I tried calling the customer service number probably 20 times and each time I was connected with someone, they pretended that they could not hear me and said to call back. BVAA did not send out any emails regarding this but put out an apology tweet. It is now Sunday XX/XX/XXXX and I do not have access to managing my money because my account is locked and customer service is purposefully not helping.
Consumer complaint received 2018-05-10
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. (GA)

Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at XXXX and Transunion and needs to be removed.
Consumer complaint received 2020-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

I purchased a vehicle from XXXX XXXX GA and it was financed by Westlake XXXX XXXX in XX/XX/XXXX. I paid a few times about 3 months and then the drive shaft and tire rod went out. I had to pay to get that fixed and I informed the finance company that XXXX sold me a bad vehicle. They repossessed the vehicle aroundXX/XX/XXXX. They never informed me by mail, email or phone call that that the vehicle was sold, where it stored, how much it was sold for. Ive sent letters with no response by certified mail. According to GA repossession law Georgia Code Section 10-1-36 outlines the debtors options following car repossession. The lender must notify you of your rights to redeem the car within 10 days of repossession. Unless youve signed an agreement renouncing your rights, the lender has to give you the opportunity to pay off the remaining loan balance and reclaim the car. This never happened. I would like the creditor removed from credit report or I will file a litigation next.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (FL)

On XX/XX/XXXX I sent off a debit validation letter to Credit Corp Solutions for a debit they claim I owed. I sent Credit Corp Solutions a certified letter tracking # XXXX in which was delivered on XX/XX/XXXX. I recently just received a letter from XXXX XXXX, PA claiming to be represented by Credit Corp SOLUTIONS on XX/XX/XXXX. Its been almost a full year for the information Ive asked from Credit Corp SOLUTIONS. They have violated my FDCPA 15 USC 1692g Sec.809. I will like examined on how was this account verified and what procedures was taking to prove this account is accurate.
Consumer complaint received 2022-11-03
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)

I sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: U.S. BANCORP (WI)

XX/XX/XXXX we went bankrupt and when we went bankrupt I didn't know we had to reaffrim the mortgage. So that were all the problem started. I talk to US Bank in XX/XX/XXXX so I could get mortgage on my credit report I sent a letter to US Bank. Nothing happened. I also had problems making payment so I hook up with ( HUD ) and made payments on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. i did all the right things make sure I didi n't miss a  payment. My account # is XXXX, they tell me I followec all the payments to a T. So in XXXX I got this letter from US Bank tell me that if I want recast I would owe them XXXX without a recast I would owe them XXXX as a payoff. I want to know what the payoff should be. Please Help Me
Consumer complaint received 2022-07-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

XX/XX/2022 We closed on a VA XXXX on XX/XX/2022, and our Mortgage switched from PHH Mortage co. to XXXX XXXX  to Federal Savings, on the XXXX. of XXXX. We understand that our next payment is in XXXX. While on vacation In NH. on XX/XX/XXXX. we stopped to fill up our XXXX XXXX which we just paid off with the refi. to our surprise, our Bank card was declined. We called our bank and were shocked to find out that PPH Mortgage not only extracted {$1800.00} ( our old payment ) from our account but we were hit With a {$35.00} overdraft charge. I got on the phone with PHH Mortgage at .about XXXX XXXX  I talked to a rep. Who just did not understand. I asked for a supervisor and was placed on hold, then disconnected. just about out of gas I called again and found myself frustrated with the automated service that wanted our account number, Not Submitting that to memory even when they held our mortgage. I finally got through and explained our situation yet again. the rep forwarded us to a specialist who advised us to snap-shot a copy of the {$1800.00} extraction and {$35.00} overdraft ( temp at this time in NH, was About XXXX ( 76 % humidity ) we obtained her EMail XXXX XXXX gave us our Acc # ( XXXX ) We sent the email and wanted our vacation money to be deposited into our account. It never happened? I had a friend Deposit some money for us so we could find some accommodations seeing that the place we rented for the week was canceled due to the owner 's contract covit, It's XX/XX/XXXX. And yesterday XXXX contacted us and said her boss could not reimburse us But could apply it to a mortgage payment with our new company, XXXX XXXX? Wich, we no longer have. Seeing we just refined with Federal Savings. Out of money, Patents and time Sincerely XXXX And XXXX XXXX.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

I continue to get the account updated on my credit report and the credit bureaus will not update it with the correct information. This account is paid in full. I keep sending in letters getting current letters from the bank and it still gets updated as delinquent.
Consumer complaint received 2022-01-07
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. (GA)

Equifax, XXXX XXXX XXXX, have all failed to correctly report the account balance on my XXXX/ XXXX XXXX, Credit Card. The account was last updated XXXX XXXX 2021. We have now completed the first week of the new year and still my credit reports do not show the correct balance on my XXXX credit card which adversely affects my credit utilization.
Consumer complaint received 2018-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

I open this home equity loan inXXXX is still owe {$25000.00} the loan amount was {$29000.00} and I been paying on loan for 8 years of more which I pay from $ XXXX {$200.00} each month .have not missed any payment
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MI)

XXXX currently sent me a letter about if I close my account and do not pay they will sue. I want my account closed due to Identity Theft. The Public Act says close your account when Identity Theft occurs notify the account company and have them send you IdentityTheft papers. 
I am having a run around with customer service not flagging my account with Identity theft during the investigation so they will not lower my credit score.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX currently sent me a letter about if I close my account and do not pay they will sue. I want my account closed due to Identity Theft. The Public Act says close your account when Identity Theft occurs notify the account company and have them send you IdentityTheft papers. 
I am having a run around with customer service not flagging my account with Identity theft during the investigation so they will not lower my credit score.
Consumer complaint received 2020-07-30
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. (NV)

I have a issue with Transunion 's credit reporting as their investigations have not fixed errors on my report yet. I believe Transunion is taking their sweet time only to then not fix my report from the errors. Im a big victim of I.D THEFT, i've had issues in the past with fraud accounts on my report due to a incident in the past and all 3 bureaus fixed the errors quick fast in a timely manner pursuant to FCRA 605B law. But for some odd reason now, these accounts that are fraudulent are still lingering on my report even after an appropriate time frame for Transunion to have removed them by now. Whats going on? I need this handled as its affecting my livelihood, smh I WENT AND GOT A NOTARY FOR PROOF IT IS ME DIRECTING THIS DISPUTE AND INVESTIGATION THAT YALL MUST NOW HANDLE! 

Please do your jobs and block these fraud accounts i have listed on both the extra sheet and FTC affidavit
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have sent the collection agency on several occasions my Identity Theft Report, including police report, FTC Fraud Affidavit and my statement. I have also explained I was in federal prison the past 10 years while this account was opened in my name. They refuse to accept this and instead say that the FTC Fraud Affidavit doesn't contain the full account number. I DON'T KNOW IT!! The name of the creditor is right, the exact dollar amount. They just want to play games. They are in clear violation of the FDCPA and the Rosenthal Act in CA. They are trying to collect on a debt they know is ID Theft and is not mine. They are also trying to make me have to notarize additional documents that are NOT required under law.
Consumer complaint received 2024-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

We are a registered company in the USA. We opened a paypal recently to receive and send money. Paypal labeled our account suspicious and permanently banned it. We submitted personal identification to get it unbanned but to no avail. They will not release our money for 180 days now. More concerning, they wont let us unlink or bank or card information. We think it was very unreasonable and would like to cancel all services with them and withdrawl our funds.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (PR)

BANCO POPULAR XXXX XXXX CREDIT CARD STARTIN XXXX OPENED AN INVESTIGATION ON XX/XX/year> NO ACTION HAS BEEN TAKEN ON MORE THAN 30 DAYS ACCOUNT SHOULD BE REMOVED INMEDIATELY XXXX  BANCO POPULAR HAS VIOLATED A CREDIT REPORTING RULE. WHEN AN INVESTIGATION EXCEEDS 30 45 OR 60 DAYS AND THE BANK DOES NOT RESPOND IT IS NO COMPLAYING WITH THE CREDIT REPORTING OVERSEEING LAWS
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (NV)

I have been a customer with Bank of the West for many ( XXXX ) years. I have a checking account, a savings account and a credit card with them and with the last five years they have become absolutely horrible. 

They offer overdraft protection, but its not overdraft protection. Its a scam. I I have spoken with many representatives, and asked them rather than overdrafted my account if they could decline the charge. They say to enroll in overdraft protection to do this however, it doesnt do anything and continues to overdraft the account. And when youre not enrolled in overdraft protection, it does the same thing. 

I also have a savings account which should take money directly out of savings, rather than overdraft my checking but this is also not done. The only thing they offer is ONE overdraft refund a year. The overdraft fee is {$35.00}. 

Ive sent notifications to notify to notify me the minute. My account is under a certain amount, but Ive they never notify you until after they can charge you. 

I have pretty much tried to stop using my bank accounts because they continually overdraft me unfortunately this has caused me to use my credit cards more. Causing me to go into more debt. 

Their practices with my credit card are also very suspect. Its almost impossible to pay the credit card. If you pay it early, they debit the money out of the account that you paid from but dont apply it until the actual payment date. The money essentially just disappears until payment date. Also, if you deposit a check into your checking or savings account, the money has to clear before you can even begin to pay your credit card. Good luck even trying to get in touch with their credit card customer service on this- Ive been put on hold for hours and never got in touch with anybody. 

Ive paid hundreds of dollars in overdraft fees which honestly I dont have the extra money for. 

Ive been a customer for many years with Bank of the West- I thought a community/regional bank would be a better option but its not. I wouldnt recommend this thing to anybody and I hope the government goes after them.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I tried calling Citibank Macy 's XXXX to resolve my account. I need to get my accounts resolved to get my XXXX XXXX Renewal. We fell behind as we lost our home and all our belongings from Hurricane Sally XX/XX/XXXX and XXXX insurance filed bankruptcy. We have received no loss-of-use or replacement of personal property. Claim is with XXXX. No settlement yet. I was told that my account was showing fraud that I could not do ANYTHING. I called around 4 times. On XX/XX/XXXX, I called and talked with approximately 12 reps. I was told that a Fraud Flag was put on my account but there was no fraud or any fraudulent activity. I was told that it was removed and I was finally sent to a rep to settle the account, which he hung up. I was on the phone for 3-1/2 hours being transferred back and forth to every dept. with no resolution. After being hung up on, I tried for a supervisor but was told it was XXXX XXXX they were no longer there. I started calling again this morning XX/XX/XXXX when they opened and have talked to 21 people today. I have been on numerous calls over 3-1/2 hours+ again. I was waiting for a supervisor but was told I could not wait but to call back again in 20 minutes. I explained the urgency as they made the error and I need it resolved to get my XXXX XXXX Renewal or I will lose my livelihood and job. I was again told that notes were made that it was not a fraud account and I called to settle. Again, told immediately it was marked fraud! I just get transferred back and forth or they hang up on me. I have been with this company over 20 years! I can not get this resolved to get my licensing. We have already lost everything from Hurricane Sally. I do not scream and I have been screaming at reps that will not listen to me or just transfer back to fraud again. I will never use Citibank again! How can I get this resolved??? They will not resolve the matter! I asked for the Legal Dept. more than once and told they do not have one available that I would have to send a letter??? I have no other option but to file complaints!!
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize compliance in this investigation. I have also mailed all respective CRAs with my notarized identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept. of Ed/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-12
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: ERC (FL)

An XXXX amount showed up in XXXX XXXX alert from XXXX XXXX 
Two days ago. I had not had direct tv for years. I am trying to close on a house so been monitoring closely. 

So I called number to find out what this was. Apparently it was a bill -from years ago which they would not answer when this first occurred ( the credit repair company rep asked on a three way call. The company had my old address from where I lived ten years ago and I was never notified of this bill. 


I paid the amount and asked for it to be deleted. They would not. 

I am not contacting consumer finance to assist in this matter.
Consumer complaint received 2020-07-30
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: BARCLAYS BANK DELAWARE (AR)

Keep getting a statement from a company named Barclays Financing Visa Card for a purchase of {$210.00} from a XXXX XXXX XXXX XXXX on XX/XX/2020 from an account with them ending in XXXX. I only am given the last four digits of this account. Now they have supposedly issued a replacement card that I also never received and are holding me responsible for the entire balance of this credit card account that I do not possess. No, I don't think so Barclays. You can NOT allow this to happen to a UNITED STATES citizen. You WILL answer to someone. I promise!! 

RE : Case # XXXX, XXXX
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.