davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
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)

XXXX XXXX XXXX is reporting a inaccurate account for {$1000.00} which isn't my account it's reporting on Equifiax it must be deleted enclosed here is a copy of a police report that hasn't proven this is fraud.
Consumer complaint received 2022-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I am not the Guarantor of these accounts listed below. I demand they be deleted as were on my other credit reports. 

XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX balance {$1600.00} Credit limit {$1300.00} XXXX XXXXXXXX XXXX  XXXX Account number XXXX Balance {$1100.00} Credit limit {$850.00}
Consumer complaint received 2020-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (NY)

I have a loan with Earnest. In my account I have selected an option to reduce the amount of my minimum payment when I make additional payments. With that setting I have made twice monthly payments summing to the amount I owe. I've done this since XX/XX/2019. Recently I decided to take advantage of a small interest discount by enrolling in autopay. I was enrolled in autopay for only 3 days when I saw that my preference to have additional payments applied to my next payment was nullified by the autopay program. Now the company refuses to adjust my next payment and leaves me unable to afford the payment as a result. I expressed to the representative I spoke to that this policy had made the payment unaffordable for me and they continue to do nothing. Until now I have always made my payment on time and in full.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK (NV)

Discover credit card company lowers my credit score so that I can sign up for IDENTITY THEFT PROTECTION, or CREDIT SCORE MONITORING. 
My credit score used to be 830 to 850 and now is only XXXX. Today I checked XXXX XXXX and my credit score is XXXX. 
I called Discover and they lied about me being with no debt and that was the only reason. 
What a joke! I have no debt, no late payment, and paid my balance in full before the due date, they lower my credit score just  because I have no DEBT. 
I told Discover that I will file a complaint to CFPB and they told me to go ahead. 
Please help! 
Thank you so much for taking the time!
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY CREDIT SYSTEMS INC (NY)

This is showing up again. I spoke with windsong- this never should have been charged to me. I had nys no fault AND private insurance AND NYS XXXX as I was pregnant. They advised me they would be removing it. 

Now its back on my credit report, apparently from a collection agency, that I have never heard from either.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have reviewed a recent credit report and have seen major errors in the information that is being furnished. Please be aware that I have only ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Again, the following addresses are not valid and have not been my place of residence and I need your assistance in making sure that these errors are rectified : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Stearns Ventures, LLC (CA)

We recently refinanced with Stearns Lending. We went paperless with the company and signed up for auto-payment on our monthly mortgage. 

Today we checked if the payment went through and nothing has been deducted from our bank account. ( it should have been paid on XX/XX/2021 via autodraft ) See attached screenshot from the bottom of our XXXX statement acknowledging that an autodraft will occur. 

We've tried to manually pay on their website but there is no option to pay. We've been on hold for 3 hours with no answer. The phone line does not go to a live agent. I don't see any email address, but I was able to submit a message via their website. I've also messaged their XXXX and XXXX page. No response yet.
Consumer complaint received 2020-10-15
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. (MA)

In XX/XX/2019 I contacted XXXX XXXX for an extension on my payment on my account answer be placed in my payment protection plan that I paid for every month with the company the payment protection plan covers you in case of XXXX deaths family emergencies loss of job loss of income etc. I am formed XXXX XXXX   that I needed to be a part of the program and to activate it my subscription that I paid for every month to get coverage for my payments because I was out of work due to having a XXXX And losing my XXXX the representative told me that my payment will be all set and I didn't have to worry about any payments in late fees or negative remarks on my credit report. However XXXX XXXX is reporting that I am 30 days late on my credit report even after sending them all the proof that I have XXXX XXXX XXXX see attachments.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC (TX)

Repeated calls multiple times within the hour. My voicemail clearly says they have reached my place of business, but they keep calling. Answered a short while ago and they would not identify themselves by company, only XXXX calling from XXXX regarding a personal matter. 

I told them this was a place of business and that they could not call there. They said it was a good number and continued to ask for me by name. 

Tuesday XX/XX/XXXX Calls : XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line
Consumer complaint received 2021-03-02
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX Acct XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2018, I deposited a cashier 's check from a local bank into my personal checking account at Bank of America via the ATM. I usually go into the branch, but was in a hurry and used the ATM to deposit my check - big mistake! Without giving me warning or the option to cancel the transaction, the bank placed a 12 day hold on the check! The hold was printed out on the receipt from the ATM. The funds were not available until XX/XX/2018. Again, this was a cashier 's check from a local bank, not a personal or foreign item. 

I went into the branch and called the XXXX number, but no one was able release the hold since it was done by the ATM. They did say if the check was collected sooner, the hold would be released - which is the law. So I waited several days and called again to see if the funds were collected. They were not. After a few more days it still wasn't released so I called the bank that issued the cashiers check to see if it cleared. They said it was still outstanding, Bank of America apparently didn't even attempt to collect the check until XX/XX/XXXX when the hold expired. 

So to anyone reading this, be very careful making deposits at Bank of America. Be very careful in general when dealing with them!!
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that XXXX is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). And they are reporting this as an open account, but they are a collection agency and I never made any agreement or contract with them. They are in violation in more than one area and need to be stopped.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (SC)

Ability Recovery is a 3rd party this same collection account is under XXXX XXXX and being reported 3 times on all of my credit reports, this company cant verify that this account is mine.
Consumer complaint received 2022-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Earnest Inc. (IL)

The amount of harassment and threats that XXXX has caused not only for me, but my immediate family, and family members I didnt even know existed is unbearable. Every single day they call threatening me and harassing me with no regard. 

I will never talk to this so called company again. Theyre a joke and provide no solution to help. 

Ive received no less than 1,000+ calls from this company, along with my family over the last 3 months. Im trying to make a living and need them to leave me and especially my family the XXXX alone. 

Every time they call any of my family, itll just be one more week that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX XXXX XXXX, SC XXXX : Capital One FCRA LitigationTo Whom It May Concern : I had previously advised your company that I have been a victim of ID Theft. As a result I have a fraud alert requiring companies to contact me prior to approval for credit. Over the last 2 years Capital One has called/sent letters asking if I applied for credit which I have not. I have responded by phone and in writing that I have not applied/authorized said inquires on my credit and they needed to be removed. Your company stated in response to a previous CFPB Complaint and said that you would remove the unauthorized inquires once I faxed a copy of my credit report. Which was done the day that it was requested. Well now over a month later not only do they still remain but the number of inquires have since increased. Between all XXXX credit bureaus there are over XXXX total. Under FCRA ( codified at Title 15 United States Code Section 1681 and following ) this constitutes Willful Noncompliance in reporting on your behalf. 
Although your company seems to think that you can take advantage of what you perceive to be an uninformed consumer, I am far from that. I know that under FCRA each separate incident ( Inquiry ) reported where your company has failed to prove Permissible Purpose I am eligible for {$2500.00}. Now as we both know I can retain a law firm that I have worked with very closely in the past do handle this matter and they would gladly take the case and file suit. Your company in an effort to avoid a lengthy lawsuit costing thousands of dollars in attorneys fees and court cost would attempt to settle. Now that is a route I do n't mind going but serving in the XXXX XXXX XXXX of the values instilled in us daily was integrity. Due to the fact I do n't think it 's fair for your company to immediately be forced into paying my attorneys fees and so on I am going to afford you XXXX final opportunity to resolve this matter on a voluntary basis. I do want you to bear in mind I also do n't believe it is fair that your company being the 'Big Business ' you are completely ignores this offer to resolve and merely offers to correct the problem. The XXXX are not XXXX in the same and if you treat them as such I will cease all contact and file suit against your company. 
Here is what I am proposing you immediately remove any and all inquiries from all XXXX credit bureaus and pay me a settlement of {$10000.00}. The offer for settlement is more than fair considering your cost in legal fees would far exceed that amount. This must be done on or before 14 calendar days from receipt of this notice. If you opt to not to do so then I will have no choice but to seek the full amount entitled to under FCRA plus actual damages. Please confirm receipt of this notice by calling XXXX. 
Thank you for your prompt attention to this matter, XXXX XXXX
Consumer complaint received 2021-11-05
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. (MD)

On XX/XX/2021 I submitted a dispute letter concerning TransUnion case : XXXX, Chapter XXXX Bankruptcy. 

On XX/XX/XXXX TransUnion sent me a response stating that the above item was " verified '' stating that they or a " third party we hire '' check " applicable court records ''. 

On XX/XX/2021 I contacted TransUnion knowing that the previous dispute letter sent on XX/XX/2021 had correspondence from the Court stating that they do not report to credit reporting companies. Despite this XXXX said the the Court verified the item. This was on XX/XX/2021 at approx XXXX EST. 

I was then transferred to a XXXX XXXX who claimed to be a supervisor ( around XXXX EST ) who stated that the Court verified it. After discussing with him the correspondence I had from the Court, revealing their lie he then said it was a third party they hired. 

I asked for the name, address, and phone number of this third party vendor in connection with this investigation as per The Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 6 ) ( iii ) states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including business name and address of any furnisher of information contracted in connection with such information and the phone number of such furnisher if reasonably available. 

He denied me this information, I was then told that I would be transferred to someone else but instead the line was dropped. I called back where I spoke with XXXX ( around XXXX EST ) who would also deny me information that would help me get clarity on how they " investigated '' my dispute in this matter.
Consumer complaint received 2017-08-24
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. (FL)

Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX XXXX  TransUnion has deleted no inaccuracies
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NE)

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points after opening a CitiGold account and then scheduling two bill payments from the newly opened account and making at least {$1000.00} purchases with Debit Card. 
Having completed the eligibility requirements, I inquired with Citi about when I would receive these points. I was extremely disappointed to hear from Citi about the outcome of case XXXX. After first offering the promotion, it appears Citi is refusing now to honor its promises. I appealed this denial citing several interactions with Citi representatives replying to my communication regarding the promotional offer. The debit card was not delivered to me several weeks late. Following communication has been initiated : XXXX, XXXX, XXXX, XXXX. I would like to point that I am in position of the promotional offer and screenshots made on XXXX/XXXX/2016, the day I applied for the CitiGold account, that clearly indicate the promotion code and Rules and Conditions and the fact I am eligible. 

I received the same form response that I was not eligible for the promotion without citing T & C of the original offer. While researching this issue online, I have found widespread complaints about Citi from other clients who found themselves in the same situation. 
I am extremely unhappy as I am currently in processes of transferring my assets over to Citi, but this event has seriously undermined my trust to your bank since such marketing practices are deceptive and misleading. I truly believe Citi must take steps to honor the bonus offer.
Consumer complaint received 2015-07-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

FIFTH THIRD BANK-XXXX. XXXX XXXX XXXX MD XXXX, OH-XXXX ( XXXX ) XXXXItems was removed during successful dispute. Fifth third then put back on credit report and duplicated the account. Now shows two accounts. This is preventing me from obtaining loans
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Unauthorized transactions ( total of 13 transactions ) took place on my Wells Fargo checking account as following : XX/XX/22 {$390.00} ( same day 12 times ) XX/XX/22 {$190.00} ( one time ) Total loss of {$4900.00} through a debit card. 

I had filed a claim on XX/XX/22 with Wells Fargo. They had concluded these transactions are authorized and closed the case on XX/XX/22. I disputed this conclusion several time, but going nowhere. 

I need help to get my money back.
Consumer complaint received 2020-07-21
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: EQUIFAX, INC. (MD)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (IN)

In XX/XX/XXXX XXXX reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXX but it finally was deleted. In may of 2018, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with XXXX ).