davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
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. (GA)

Equifax, XXXX and XXXX are all reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. Each of the credit bureaus concluded that the public record items were obtained from local, state and federal courts through a third party vendor, XXXX,
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IN)

In XXXX of 2021 we contacted the Home Point Mortgage call center to request a payoff quote. We received the information with the amount and had them work out an adjusted the automatic monthly payment drawn directly from our checking account from our normal monthly payment to the payoff amount. On XX/XX/2021 the automatic payment was received by Home Point for the agreed payoff amount and it was recorded on the company website as received and posted on XX/XX/XXXX. The statement showed the normal contractual monthly payment of {$2500.00} as well as an additional principal payment on hold for {$1000.00} to cover the remaining principal and final fees. The statement also showed a principal balance due ( after the final payment was received of {$970.00} ). We called the mortgage company and were told that they were required to wait 10 business days to insure/confirm receipt. We called on the 10th business day and the mortgage still showed a balance of {$970.00} due and an upcoming XXXX billing for {$2500.00}. The money has been out of our account and received by Home Point Mortgage since XX/XX/XXXX and they have now exceeded the 10 business day period and have still not shown the mortgage satisfied with a {$0.00} balance. In addition I fully expect to get a bill on XX/XX/XXXX for the normal monthly payment. There is no reason for it to take 10 business days to confirm and settle a payment given current electronic fund transfer technology as that confirmation can be done in hours if not minutes. To add insult to injury today we received an email from Home Point with instruction to payoff the final balance of {$1000.00} by XXXX XXXX. This is beyond frustrating since they have had this final payment since XX/XX/XXXX.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PA)

On XX/XX/2021, I initiated a dispute for the amount of {$89.00} for products I purchased at XXXX XXXX in XXXX, NY. Approximately two weeks later, I attempted to return the purchased merchandise for the stated value above. The merchant declined to refund my purchase, even though the merchant 's refund policy clearly stated that full refunds were possible up until 30 days since purchase. This return policy can be found at the following website : XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX : XXXX & XXXX & XXXX Citibank says they have investigated this dispute and marked the dispute as closed on XX/XX/2021. Citibank then reversed the disputed {$89.00} credit that they had temporarily given me. They have not provided me any reasoning or rationale for the reversal of the credit. When trying to access any documentation about the dispute, I am unable to locate anything. I have reached out to customer service to inquire about this, but unable to get any information.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have been on XXXX XXXX XXXX orders since XX/XX/XXXX which will extend to XX/XX/XXXX. 

I was trying to notify Amazon Synchrony ( account ending in XXXX ) that I was on orders and requesting SCRA benefits. I don't think the person I was speaking with spoke much XXXX, or at the very least didn't understand what I was saying. 

So instead of them putting me on SCRA benefits I was just notified that they put me on a " payment plan '' which I DID NOT request. And their company closes your account as soon as you are on a payment plan.

If you check my entire credit file you will see that ALL of my other accounts are on SCRA benefits. I have not closed any of them and have no intentions of closing them. 

I've been on the phone with their customer service and they have been so rude to even hang up on me. So I've received no assistance from them whatsoever. 

Please let me know how to resolve this issue as I know have a " closed account '' on my credit file and I did not close the account. 

Thanks in advance!
Consumer complaint received 2021-05-27
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 (MD)

On XX/XX/XXXX - I needed to use my Wellsfargo Credit Card, and it was declined. So I called customer service and was informed the account was closed. At this point, I have not received notification from Wellsfargo about the unilateral decision. I had no balance, always paid my bill on time, and been a Wellsfargo Credit Card holder since XXXX. According to the customer representative the bank had not sent a written notification, and was unable to let me know when will I be formally notified.
Consumer complaint received 2018-03-01
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. (FL)

My husband and I recently tried to refinance our home through XXXX XXXX XXXX. Our loan agent pulled a credit report through XXXX XXXX XXXX and the numbers on the report had to be wrong. The report showed a credit score for XXXX for my husband which could not be accurate since XXXX currently shows all XXXX and no reporting history for my husband. A complaint was filed with the CFPB under XXXX. When my credit report was pulled the report also showed numbers from all three agencies even though my XXXX   credit report currently shows all XXXX  for me and no reporting history. A complaint was filed with the CFPB under XXXX. Obviously, there are issues that need to be addressed.
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (DE)

Experian and XXXX are actively reporting incorrect information. Both credit reporting bureaus are reporting that I was late on my XXXX payment for XXXX XXXX account # XXXX. The payment was due XX/XX/2021, And according to XXXX XXXX, they received payment on XX/XX/2021. I written and notified both bureaus multiple times. XXXX fixed the discrepancy and the again posted incorrect information the following week without notice. Experian is complete refusing to investigate and said that as long Credit acceptance verify incorrect information, they will report incorrect information as such. 

XXXX XXXX XXXX acknowledges incorrect information their reporting and continue to verify incorrect late payment. They confirm that they received legitimate dispute for late payment and continue to report i was late. 

According to FRCA federal law, a account can NOT be reported as late until it is 6 days past due. 

I was only 6 days past due according to XXXX XXXX XXXX. Billing statement.
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

I have opted out of overdraft protecting completely ( as opposed to just opting out of some protection, 2 opt-out options the bank proposed ) when I opted out I was left with the information that if my account has no money to cover transaction then I may still get hit with a insufficient funds fee. Which I was ok with. However I did NOT expect TD bank to STILL temporarily deduct the amount I didnt have the funds to cover. PLUS the fees and THEN when the charge was no longer pending, credit me for the amount that should have been rejected instead! So Im not only now in a negative state regardless if temporary or not, the hold was long enough for the charges I did approve get rejected resulting more fees. An example, I had opted out of OD and I lets say I was expecting a check for XXXX attempt to clear but I didnt have the funds, which should have left me with a {$35.00} charge but instead of charging me just the insufficient funds fee they still deducted the {$100.00} anyways, but as a hold not a charge they plan to credit back the {$100.00} after a day or two holding that amount of the check that shouldnt have cleared at all!! Now the approved charges were now unable to clear causing my account to suffer additional fees. My account according to our agreement should be left with a zero bal based on my records and what I was told, not a negative bal. causing even more fees and problems! TD bank didnt refuse a check from clearing due to insufficient funds like I was told they would after opting out of protection. Instead the bank still subtracted the check plus charges from fees so my attempt to have enough money to cover my intended purchases and leave enough in my account to cover any charges a bounce check created! When TD credited my account for the amount they held from the check that should have bounced it was too late! So according to my agreement and my calculations I should have been left with enough money to pay a fee + the XXXX charges I authorized leaving me a bal of XXXX, However because of how they did things, it will now cost me over {$110.00}, leaving my account in a very bad way with a negative {$110.00} instead. This cant be fair? What was the point of opting out of OD protection if they still planned to remove funds that arent available? Then charge me for overdrafts or insufficient funds for each item on hold even if I agreed to pay them before check tried clearing. They argue that it is only temporary but even if temporary it was held long enough to disregard anything else coming through and clearing. I feel like I was lied to and stolen from. Dont I have rights and a way to protect myself and hold them for ever penny it cost me because they lied? I truly hope so, I will make this publicly known after this complaint to protect and help others from experiencing the same thing!
Consumer complaint received 2021-07-18
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. (MI)

My car was stolen with all my personal information and now I see that someone is attempting to open accounts using my personal information. I have not given anyone permission to access my credit
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2018-07-28
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. (NY)

I have tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On XXXX   it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My XXXX shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My Trans Union shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (LA)

American Express Serve Card permanently suspended by account on XX/XX/2020 with a balance of at least {$450.00} in account plus a dispute I won of {$4100.00} later deposited in it. When I called customer service to try and close account they would always tell me they had no information and they write a letter and mail it, which I've done several times. They only response I would get is I need a letter of indemnity which I also sent to them. Their own statement on closing account states : You may not close your American Express Serve Card Account, Subaccount ( s ), Goals or XXXX XXXX $ TM balance to evade an investigation or a disputed transaction ( s ). You may not close your American Express Serve Card Account or Subaccount if there is a negative balance in your Account or Subaccount,, if one or more pre-authorization codes with respect to American Express Serve Card Checks you have written are unexpired, or if there is an investigation pending or a Dispute related to the Account or Subaccount or associated American Express Serve Card or Subaccount card, and subject to Applicable Law, we may hold your funds for up to thirty ( 30 ) days or longer to finish conducting the investigation and/or protect us or a third party against the risks of payment reversals, chargebacks, claims, fees, fines, penalties, and other liability. 
I am not evading an investigation or even being investigated at all. And they even state they should hold funds up to 30 days but now it has been almost a year and my money is just sitting there when I really need it. Please help me to get my account closed and remaining balance to be sent to me by check.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a letter from XXXX XXXX XXXX regarding a debt for $XXXX owed to Capital One. I never owed Capital One $XXXX. Capital One states they no longer have records for the debt so they can’t tell me why I owe. I’ve written XXXX XXXX XXXX onXX/XX/2019, XX/XX/2019,XX/XX/2019, and XX/XX/2019 asking for an itemized statement of how I owe what they say I owe. They have yet to verify all charges leading up to what they are saying I owe.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I am a coinbase customer and hold coinbase wallet, on XX/XX/2021 my account having approximate {$11000.00} us dollars at the time got hacked around XXXX XXXX  PST I was at sleep at the time, but I notice around XXXX XXXX  want to access my account and was not able that's when I realized my account was hacked. I did everything coinbase asked me to do. I got a case # XXXX XXXX Account hacked ). It has been 17 days and no answer. no response. no phone number to contact a human. Please help! 

Desired Settlement : Contact by the business
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (CA)

this company calls me 3 to 5 times a day I answer the call and they hang up when they do answer they ask me for my ss number or my date of birth without identifying themselves or telling me what the phone call is about I had to call the number back to find out who was calling
Consumer complaint received 2024-02-04
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. (SC)

I XXXX XXXX who is a natural born citizen and is aware of my rights under the FCRA. 
My rights were violated by XXXX XXXX XXXX. 

Account : XXXX XXXX XXXX amount {$1400.00} I am allowed under the HIPPA Act to protect my privacy and medical records from third parties. I did not give permission to XXXX XXXX of Georgia to release my medical records to XXXX XXXX XXXX who is a third party. 

15 U.S.C 1681 Section 602 A Section 1 States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section States that a consumer reporting agency can not furnish an account under my written instructions. 

Delete this account immediately, unless you want to be XXXX for this violation.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (ID)

U.S. Bank Advertised to offer {$500.00} cash bonus for opening a new checking account on their website ( www.usbank.com ). I opened a new checking account through their website on XX/XX/XXXX. I printed the screenshot which showing their requirements and cash offer details while I was doing my checking account application online. I met all the requirements and I was eligible for {$500.00} cash bonus on XX/XX/XXXX. On their advisement, they said that they would deposit the cash bonus into the consumers checking account within 60 days. 90 days passed, I still didnt receive my {$500.00} cash bonus. I contacted their customer service center several times. At XXXX AM XXXX XXXX on XX/XX/XXXX, the customer service representative called me ( phone number : XXXX ( XXXX ) XXXX ) and told me that they did not want to give me the {$500.00} cash bonus because I didnt have a credit card or other accounts in their bank. I told the customer service representative that they did not have this kind of requirement on their check offer advertisement. The customer service representative just terminated the phone call.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I filed a complaint here on Synchrony Bank about the closing of my credit cards with them for no reason other than I was XXXX. Now I have received a response from them indicating that I was a high risk of failure to pay. 

I have tried to contact them more than 5 times to find out who has my accounts so that I could set up payment arrangements on my accounts. I know that these account SHOULD have been transferred outside of their bank since they closed all of these accounts on XX/XX/2020. 

No one at their bank can tell me what happened to my accounts. I checked my credit profile and I only see Synchrony Bank listed as being delinquent with them. So, if they do not have the debt, where is the debt? 

Also, one of their representatives gave me a place to call that is affiliated with Synchrony that I would consolidate all of the cards with and pay HIGH INTEREST to basically pay them up to date, It appeared to be some type of scam.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I would like to formally write a dispute and complaint against the credit agency Equifax. I have attempted over a span of 6 months to include writing and submitting over 6 disputes in writing and 3 verbally to include a fax of a completed previous CFPB complaint that was finalized with the creditor, XXXX XXXX stating they have requested that all credit reporting agencies stop and remove this account from all bureaus. Equifax refuses to address this situation even with all the documentation forwarded for review. This is the only agency that is still reporting incorrect information and who exhibits the most disrespectful customer service ever. I have been on calls for more than 2 hrs, calls being disconnected as the representative refused to assist and when requesting a supervisor to attempt to address this discrepancy that has been carry on for over 6 months, I am abruptly always disconnected after waiting for at least 45mins on hold. 

There must be something done with being to get assistance in trying to correct information with this agency as it is causing many financial issues. Again this is the ONLY company that fails to correct incorrect information. This creditor has been removed from all agencies except this one. Please assist with get closure and correcting this information. 

Thank you
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, Ive worked tirelessly disputing incorrect information on my credit report with Capital One. They are reporting four inaccurate late payments from 2014. Ive never paid late. Ive always paid the full balance off on time every month. We are in the process of refinancing our home and this is causing a significant Challenge. We are needing to have this resolved so we can refinance our home before our son is born. 

This is causing both my wife and I a great deal of stress. My job is to do what is right and also keep her stress levels down while XXXX 

I want to keep my account with Capital One open. I just want my credit reporting statutes enforced by having the correct information reported on my credit reports.
Consumer complaint received 2021-05-27
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. (WA)

In XXXX of XXXX, my identity was stolen and several fraudulent accounts were opened in my name. One of the fraudulent accounts was with XXXX. While I have managed to get all of the other fraudulent accounts removed from my credit report, the XXXX account remains. I have contacted them several times. Most recently I sent them a second dispute letter on XX/XX/XXXX. I have still heard nothing from them and the fraudulent account still appears on my credit report. 
The fraudulent account with XXXX was opened XX/XX/XXXX. It is now listed as " closed, '' with no outstanding balance. I wish to submit a complaint about this and still hope to get this issue resolved.