davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. I tried to solve this issue with the company in the past. Back on XX/XX/XXXX, they received a notice from me delivered via certified mail in which I reported that this account incurred in fraudulent charges. I also included FTC report attached. As of today they have failed to provide me with the proof that I owe this debt or remove these fraudulent charges from my credit report. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : Wells Fargo account # XXXX. Opened date : XX/XX/XXXX, Balance {$0.00}. Status : Closed. 

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act. 

Attached : - FTC Identity Theft Report - Letter sent to Wells Fargo
Consumer complaint received 2019-09-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Three years ago I paid off a practice loan at Bank of America. I went to refinance the mortgage on my XXXX  hospital through XXXX XXXX, There is still a lean on the property. This came to light during the title work by the title company. I am being told that the payoff was credited but Bank of America never closed the loan or removed the lean. Now they say it will be 60-90 days and there maybe additional fees. 

I will loose my commitment fee, {$1500.00}, I am paying XXXX a month more in interest ( the difference of 4 % interest. My loan may fall apart due to this delay. 

This is due to gross negligence on the part of Bank Of America. People should be very cautious about doing business with this lender.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

On XX/XX/XXXX, I contacted Discover and explained to them that I am XXXX years old and my daughter is willing to help me out with a lump sum settlement. I explained that I have no assets and live on my social security only and that I will have no choice but to stop making payments or go into a bankruptcy. I was told by the representative and her supervisor that there are " no programs available. '' I informed her that I can not make the payments and I am willing to pay a lump sum and settle or stop paying and she said she noted the account but there is noting she can do. Her name is XXXX. I did not speak with her supervisor. I have made a good faith effort to settle this debt at XXXX years old.
Consumer complaint received 2021-07-07
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose and 15 USC 1692. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX  Date Opened : XX/XX/XXXX Amount : {$110.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (PA)

I purchased a XXXX XXXX XXXX in XX/XX/XXXX and it was the first vehicle I received a loan for having purchased my previous cars in cash in full. At the time, my credit score was about a 670 and I was told by the dealership ( XXXX XXXX ) that I was being denied by lenders due to me not having a car loan on my credit report already and that despite my credit score not being bad, they denied me. It became a situation where as a single mother I felt hopeless and needed to purchase a vehicle to get back to work. I asked the dealer what options I have. He started out saying maybe instead of putting {$2000.00} down, the lenders would work with me if I put more down. After offering to put {$5000.00} down, the salesman said the lenders still denied me and he would reach out to one last financial institution ( which all of this could've been a scam between the two companies ). When speaking of purchasing the car, the salesman figured that my monthly payments would be around {$150.00} a month since I was only getting about a {$7300.00} loan, offering a sizeable down payment. He told me he would call me when the lender ( Lendmark Financial ) got back to him ( which may have been to discuss how to XXXX me even more and take advantage ). I received a call about an hour later saying there was good news and they would give me the loan. The following day, I went to Lendmark Financial to receive the loan and go back to XXXX to close the deal. Lendmark not only pushed a 60 month payment structure onto me, knowing I wanted 72, but they added on additional products, such as roadside assistance that they made to seem were a requirement and I'm pretty sure they are not and I already have coverage through my insurance carrier. By the time I was done, my payments were figured to be {$310.00} ( more than double of what I expected ) for 60 months, with an interest rate through the roof. For a {$7300.00} loan, Lendmark will receive {$18000.00} from me over 5 years, which is insane and outrageous. I tried to resolve the issue right there in person, but they made it seem as though if I did not sign the paperwork and listen to them, I would not receive my loan that I needed to get to work after my prior car was totaled. No one believes me when I tell them how high my payments are for such a small loan. My credit was not even poor at the time, they just told me my interest rate would be so high because I never had a car loan before which sounds like a load of lies to me. I made a desperate purchase being a single mother that has a long term negative impact on my entire life and would not recommend other people use their services. It seems predatory and should be illegal if it is not. I can send copies of any of the paperwork, if need be. I will voice my opinions about them on social media and other forms of outlets in order to help consumers in the area learn of the dangers of working with them and avoid being taken advantage of. Thank you.
Consumer complaint received 2019-09-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

When I tried to make a payment 3 yrs ago this BANK OF AMERICA would not accept the payment with my debt card. They insisted a checking account information, I do not give out my checking account information, I attempted 3 times to make a payment. They could never explain as to why after several month of me making payment on my account on time and using my card why it was stopped. When I refused to use a checking account they blocked usage. after 3 years now. they Contacted my SON at his play of employment, this harassment is WRONG,
Consumer complaint received 2019-09-09
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: EQUIFAX, INC. (VA)

I recently requested a new credit chard from XXXX XXXX XXXX. On the letter accompanying my credit card, it included my credit score and also stated, " Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : '' I went online and called in order to obtain this report but it refused to give it to me without charging me.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

As of XX/XX/XXXX my Discover Bank Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from Discover Bank to the IRS on my XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that Discover Bank, XXXX, XXXX, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. Discover Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX i made a ph pmt of {$1000.00} to XXXX from my checking. 

The pmt somehow was applied to the incorrect account ending XXXX by the Barclays. 

I made the pamt correctly their system mis-applied my pmt.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (NY)

Hi I received two letters in the mail from different banks saying that they were unable to approve my request for a credit card. Someone has stolen my identity because I have not applied to any one of these companies for a credit card. 


XX/XX/2022 2022
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (IL)

I have a credit card from XXXX  that is then issued by a bank. The card is XXXX branded and entitles me to certain discounts from XXXX. They recently changed credit card providers and I was issued a new card from Barclays bank. 

To activate the card, I was directed to go online and enter some information. I did. I was required to enter my email address as part of this for what I thought would be credit card issues so they could be resolved. 

Despite the email being entered as part of activating a credit card, XXXX has begun inundating my email address with advertisements. Sometimes more than once a day. XXXX  does not take return emails from the email address they write from. I then went online and found how to communicate with them and asked them to limit the number of emails to one a month or none. They told me they could not do that I I had to go on line and opt out. Since I never opted in, I see no reason to have to opt out and believe they are in violation of CAN SPAM. I have tried reaching out to other email addresses of XXXX management, but I have not received any responses. 

I realize that this is not generally what CFPB does since it involves XXXX XXXX, but since they used a branded credit card issued by Barclays and Barclays appears to be part of this scheme, I think it is within your preview. 

Thank you.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

My name is XXXX XXXX, I am a Citi checking account ( account # : XXXX ) holder, as well as Citi credit card holder for nearly four years. I applied the Citibank Account Package on XX/XX/XXXX via a promotion page and got approved. Upon approval, I got the account and routing number, transferred funds details, as well as a welcome emails ( see attached ). I also got my debit card shipped to my address very soon and set up a online user ID to manage it. 

On XX/XX/XXXX, however, I am locked out of the online login and later discovered via phone chatting that my new checking account is closed by fraud department, citing that the bank can not verify some information. However, Citibank refused to disclose to me the details of the closure, nor was I able to speak to anyone who has the right to share information. From the very beginning of my account application, the process is done by myself and there is no fraud activity involved. All the provided information is true and genuine. My credit report is also unfreeze, unlocked and in good conditions.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

I received my statement from " First National Bank of Omaha '' for my " XXXX '' credit card stating my balance was {$4700.00}, and the payment was due by XX/XX/XXXX. I used my bank payment systems that delivered the payment in full of {$4700.00} on XX/XX/XXXX, and FNBO credit my account for the payment on XX/XX/XXXX. ( 1 week before the due date ) I then received a statement for XXXX stating I still owed {$46.00} for interest from XX/XX/XXXX to be paid by XX/XX/XXXX. I didn't have a balance on XX/XX/XXXX. I called FNBO customer care, and they stated this was interest backdated 30 days from the balance due date. I told them I believe that is illegal, and I paid off the balance of the statement by the due date, and their response was " that's the way it goes '' ... 

I have each statement I can forward if you would like them. 

Thanks, XXXX
Consumer complaint received 2023-08-09
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: SYNCHRONY FINANCIAL (MN)

These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (WV)

I have been experiencing multiple issues with my home mortgage loan application and processing. Loan officers would not respond to my e-mails, reps informing me that I would receive a phone call from a supervisor within 48 - 72 hours and never received a call back, etc. 
I have been working with XXXX XXXX 's team with horrible communication breakdown. 
I received a voicemail from XXXX on XXXX requesting a call back. I e-mailed XXXX reminding her that my preferred method of communication was e-mail. And if this matter had to be discussed over the phone. If it was a matter that had to involve a phone call, she could leave me a detailed message and I would respond via e-mail. I have not heard back from XXXX. I left a voicemail to her supervisor, XXXX and also an e-mail on Friday, XXXX. I have not heard back from XXXX on Friday, XXXX and I received another e-mail from XXXX  requesting additional documents including my home insurance documents. My home insurance company contacted me stating that he needed more information on order to submit what PNC was requesting. However, no one was responding and he could not submit the required document. 
XXXX finally contacted me on Tuesday, XXXX and stated that she never received my voicemail not my e-mail. While talking to XXXX, she never apologized for anything, had lack of sympathy, and appeared to be apathetic.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-07-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent in a dispute letter in on the XXXX of XXXX to TransUnion and XXXX I have not heard back from them and its pass 30 days they are not taking the unverified inquiry off my credit reports and it is stopping me from getting new credit and my credit score
Consumer complaint received 2022-07-27
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. (NJ)

The following inquires were done fradulently without my approval. I did not sign anything to allow these hard inquries to be ran and I want them removed from my credit report ASAP : XX/XX/XXXX - Experian XXXX XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - Experian XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (CO)

In XXXX of XXXX, I received a letter from a company labeled as XXXX  XXXX saying that I was being charged {$200.00} for a device I did not turn in earlier in the year when I quit using the device because it did not work correctly and was costing a lot of money. I had turned in the device to my local XXXX XXXX store in XXXX XXXX, so I ignored the letter thinking they had not caught up with it. Before this time, I did not receive a bill or statement saying I owed money for early termination or anything else. XXXX XXXX is associated with XXXX XXXX, and billing typically goes through them. In XXXX, I got a collection notice from a firm called Aldous and Associates for the {$200.00}. When I called them, I told them I had turned the device in, but they said the money was an early termination fee. This whole process seemed strange to me, so I was suspicious and decided to check further into it. In XX/XX/XXXX, I went to the XXXX XXXX store in XXXX XXXX and talked to them about the debt. They could find no evidence of the debt ever existing at either XXXX or XXXX XXXX, and even their collections department said I was in good standing with them. XXXX XXXX tried to contact the number for Aldous and Associates,  but the number was disconnected.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been waiting for the credit bills to fix the errors that they have put onto my consumer report! Under the law 1681a exclusion b clearly states that they are in violation of my consumer rights. Under exclusion it clearly states any specific extension of credit the was given from the extension of a card for the purpose obtaining money property labor on any services on credit under my social security card number should be excluded from my consumer report! THING THAT WAS OFFERED OR Authorize with my card should be excluded from my credit report! Please remove all these items immediately from my report or I will seek litigation immediately
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MS)

on XX/XX/2021, i sent FRANKLIN COLLECTION SERVICE, INC a letter asking for the validity of the alleged debt of {$200.00} that i do not owe. i haven't received anything thus far and it is causing me XXXX  and XXXX because i get anything with my credit. i have attach a copy below of the letter for my record.