davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
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. (TX)

XXXX  XXXX {$330.00}. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Consumer complaint received 2018-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MD)

on XX/XX/XXXX I made a payment of {$2700.00} to Discover student loans to pay off my student loan. On XX/XX/XXXX the money was puled out from my XXXX XXXX account for the amount of XXXX Discover student loans only applied the payment for {$50.00} I called and they said it would be resolved. 
I have been calling Discover for 2 months to get this problem fixed. At one point, they even sent me a letter and applied the payment on XX/XX/XXXX, On XX/XX/XXXX they reversed the payment, saying that maybe the money was sent back to me via ACH. I sent them copies of my bank statements proving that it had in fact not been sent back to me. 
I spoke them them again of the many times, they said they found it and they now a system error was preventing them from applying the payments. 
Every time I call I have to explain the whole thing over, I have spent a grand total of 8 hours on the phone of two months trying to get this resolved, that is a full day of work, not to mention the emotional distress, I've been hung up on, calls not returned, interest not earned on money in my saving account.
Consumer complaint received 2018-05-03
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 mortgage is serviced by XXXX XXXX ( XXXX ). InXX/XX/XXXX, I had to stop working due to illness. I reach out to XXXX for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with XXXX. I was told it was still under review, but told me I could not send any payments until they ( XXXX Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later in XX/XX/XXXX, XXXX, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & XXXX. Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, XXXX, still has a late payment on my Credit file ( over 420 days ) & refused to resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX, & still no decision. In the meantime, no payments or being made or accepted by XXXX until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. XXXX   has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending sinceXX/XX/XXXX. XXXX says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (IL)

The IRS sent me a letter stating that they sent my Covid check for XXXX to my BB & T account which has been closed, but BB & T never sent it back to the IRS and kept it without notifying me or sending it to me by mail.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear sir, I have received the letter prepared on XX/XX/XXXX of 2024, which asks me about my past banking account of Capital One 360. Your letter indicates that I have XXXX accounts with Capital One 360. I might have XXXX checking account and XXXX saving account ; however, it was the long time ago, before the outbreak of the Pandemic, I am not sure them. The dispute case ID is XXXX and account ending number is XXXX. Another case ID is XXXX and account ending number is XXXX. Since I am not sure what I should do with this bank, I will enclose the copy of document, which you prepared and will mail it to Capital One headquarters addressed XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, instead of the address your company provided ; since the address is meant for Capital One XXXX not 360, ( Capital One 360, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX : XXXX ), which I banked with. 

Sincerely,
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (AZ)

In XX/XX/2017, my credit card was fraudulently used to rent a vehicle. I filed a dispute with Navy Federal. Navy Federal 's follow up to my dispute elapsed over 90 days. Navy Federal kept a {$500.00} deposit, but they are also trying to hold me accountable for the fraudulent charge. The credit card was a secured credit card with a {$500.00} limit opened with a {$500.00} deposit. The Fraudulent charge was for {$350.00}. Navy Federal owes me {$140.00} but reports to all three credit bureaus that I have a {$350.00} debt. I have also filed a complaint with the federal trade commission.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

US Bank knowing lowered by credit score below the current charges on the account which caused the credit card to be reported as being over the limit. This was done despite having an excellent payment record with US Bank and a long standing relationship with them. This made even more egregious by the fact that a payment at roughly the same time lowered the current charges below the credit limit. I have a right as a consumer to be treated fairly and not made to suffer because a US Bank chooses to arbitrarily punish its customers. This was abusive and wrong.
Consumer complaint received 2019-05-29
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)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX DE XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

SHOWING 4 LATE PAYMENTS I WAS NEVER LATE AND IVE ASKED THEM TO REMOVE THEM XXXX  XXXX REFUSED. I HAVE NEVER BEEN LATE
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Razor Capital, LLC (FL)

The credit one credit card account ending in XXXX was charged off and sold to XXXX XXXX XXXX. Then sold to Razor Capital. I settled and paid in full on account and was promised a pay and delete. But Id settle for the comments on report saying paid charge off. Or paid and settle for less. Not a charge off account. Plus I have proof of a letter showing its paid.
Consumer complaint received 2020-08-26
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: CITIBANK, N.A. (VA)

I have a loan with DSNB BLOOM, XXXX, and DSNB MACYS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, DSNB BLOOM, XXXX, and DSNB MACYS with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-26
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: Santander Consumer USA Holdings Inc. (VA)

I have a loan with XXXX XXXX, CHRYSLERCAP, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, CHRYSLERCAP, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-09-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have noticed unauthorized items appeared in my report. So, I am requesting that you delete this ACCOUNT from my credit report immediately. Sent them a letter last XX/XX/2022 regarding it but I haven't received any response from them. It has more than 30 days from that date. This is a total inconvenience to me and caused a lot of XXXX on my part. Also I felt I am being taken advantage and ignored.
Consumer complaint received 2020-08-24
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: CITIBANK, N.A. (FL)

I have a loan with MACY'S/DSNB , XXXX XXXX XXXX, and XXXX XXXX , XXXX . I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, MACY'S/DSNB , XXXX XXXX XXXX, and XXXX XXXX, XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-24
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: HW Holding, Inc (FL)

I have a loan with HUNTER WARFIELD, INC and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, HUNTER WARFIELD, INC and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NJ)

I received an email from Care Credit Synchrony Bank with regards to my account with them. They have lowered my credit amount for no good reason. 
I have always paid them on time and had over {$1100.00} or more dollars open with them on {$3500.00} credit line. 

I guess these bad actors look at credit reports and then determine without a truly good reason what types of actions are taken towards their customers. Thats all well and good when it is deserved. In my case it is not. 

Their reasoning for this is that I have high balances on other cards. 
Well, hello!!! that is what credit is for. I pay my bills on time every month often make more than a minimum payment and have several cards with underutilized credit amounts. 

By taking this action against me for no good reason it will lower my credit score and make it more expensive for me to get credit going forward. 

I am being judged unfairly here and action needs to be taken on this company for doing so.
Consumer complaint received 2022-09-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have noticed unauthorized items appeared in my report. So, I am requesting that you delete this ACCOUNT from my credit report immediately. Sent them a letter last XX/XX/2022 regarding it but I haven't received any response from them. It has more than 30 days from that date. This is a total inconvenience to me and caused a lot of XXXX on my part. Also I felt I am being taken advantage and ignored.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (VA)

XX/XX/XXXX. I sent a letter to AmSher stating the following : 1. Discontinue calling me because I do not feel comfortable being asked to verify my address, last four digits of my social security number, nor name to someone that has randomly called my phone. During the call prior to the letter the AmSher representative became argumentative and unprofessional. I asked within the letter to be contacted via USPS Mail only and provided my address for mailing. 2. I am disputing the debt and request validation and verification of the debt. I am also requesting verification that AmSher has the authority to contact me and attempt to collect the debt. XX/XX/XXXX. I received a call from AmSher 's representative who's name I can provide in a secure setting for privacy reasons. I explained to him that I sent a letter the previous month and he indicated that he confirms that I sent the letter but that it was a verification/validation letter. He became unprofessional and asked me if I planned on paying the debt since I had not paid the debt in four years. I asked him to send that to me in writing and if the call was being recorded that I am requesting that in writing because it's a false statement. I just discontinued service with XXXX in XX/XX/XXXX therefore it's impossible for me to have not paid the debt in four years and if they are stating that then I want to see that in writing.

I have requested from AmSher and from XXXX an itemized written statement of my last two months of account history. I am requesting this because I believe that I do not owe this debt. However ; no one has sent me anything except an invoice which is not itemized. I'd like to resolve this issue as soon as possible and request that I do not receive any more calls from AmSher again as it has become very abusive.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I use my capital one account for almost every purchase. I use the " Drop '' app to accrue points for tracking purchases, but they recently told me the reason I'm no longer getting points is because capital one has blocked Drop 's provider 'Plaid ' from accessing the API. They said the only way to get Capital One to restore access is to file a complaint.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc. (GA)

I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Avant/WebBank adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Avant/WebBank, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card XXXX is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXXXXXX, and Transunion have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

On XX/XX/23 I attempted to make a deposit into a usbank drive up ATM machine. The machine initially wrinkled the money and spur it back out. I then resubmitted the money. The machine then froze and stated processing transaction for about XXXX minutes. Then returned my card.but not the money. The machine then turned off tv gem reset and stated a .escape this machine unable to accept deposits. I took a picture of message. Online banking showed no history of the deposit. I tried calling the bank but was unable to reach a person and was disconnected XXXX. Tines. I then clef the fraud department and wS told there was no history of me bend at the ATM. However my GPS and phoneog can prove otherwise. I was told today my claim was denied. I know there are cameras at arms. I've been an unproblematic customer for over XXXX  years. I've filed a puce report regarding this matter also. My account is now overdrawn and I'm experiencing financial hardship due to this transaction. I don't feel that worth today 's technology there isn't a record of my transaction and footage of the issue. I was told my claim was denied but I must wait XXXX to XXXX business days for a letter to tell me why. All while I'm being charged overdraft fees and having my bills returned annd will assessed additional fees and possibly have my services disconnected. All while receiving no explanation for a large financial institution.
Consumer complaint received 2021-03-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.