davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
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: BARCLAYS BANK DELAWARE (LA)

I have been trying to correct this problem since last year. They reported my credit report as being late two months in roll even after they called me and offered me an extension due to COVID-19 global pandemic that we were going through in 2020. I have advised them that I was covered by the Cares Act Section 4021 and no matter what I say they are still saying that they reported the account accurately. I asked them if anyone there knows that it was an executive order signed by the president that protected everyone if the accounts was up to date and if you look at my credit card account I was doing just fine. I have tried numerous to rectify this problem but to no avail they still wan to do what they want to do. They told me to write a dispute to FCRA - Credit Bureau XXXX XXXX. XXXX XXXX XXXX, DE ... this is a company inside of Barclay so they are not doing anything and trying to ruin not only my credit but so many others. This is a waste of time.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (VA)

The transaction for {$93.00} for XXXX on XX/XX/2023 This transaction is fraud. 

Detail : I placed order, and it generate two duplicate one. Because none of them provided valid tickets for me to use. So I contact XXXX immediately, the other one was canceled but this one was not. 

Evidence to support : as shown from XXXX, it is shown redeemed on XX/XX/2023. That means it is a wrong order. Ticket is for XXXX and it can only be used for that specific time window.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I applied to a job on XXXX. They contacted me and after an interview, they offered me the job. Over the next week we got " set up '' and they let me know I would need office supplies for the job. They would pay for it, but after 12 months, the supplies would be mine to keep so my name needed to be on the slip. They gave me checks to deposit, then I wired the money they gave me to their " vendor. '' After a few days, the checks were canceled or bounced and the money withdrew from my account. I called USAA and they told me there was nothing they could do besides contact the receiving bank because it wasn't fraud and I willingly sent the money.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I received a statement approximately XXXX XXXX that there was an escrow shortage {$110.00} and to pay to prevent monthly payment increase. I made this payment earlier in 2021. I called XXXX XXXX and was told by XXXX not to worry because I nolonger have a shortage. 
XX/XX/2021, I am notified that I have a {$150.00} escrow surplus and that my monthly payment will increase approximately {$6.00} for escrow tax and {$150.00} will be mailed to me??? I spoke to XXXX who says it's a federal law that the surplus can't be applied to escrow and has to be mailed to me and that I can't return it saying apply to escrow because of federal guidelines. Also if I did mail it back to them it would simply sit in my account and not be applied anywhere. 
He also says it serves me no benefit to make additional escrow payments, he specifically said for me as if my situation is different from other lenders!
Consumer complaint received 2017-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX I submitted several complaints including but not limited to the following : XX/XX/XXXX (  XXXX - open ) and XX/XX/XXXX ( XXXX - closed ) I submitted complaints to CFPB in regards to my loan with XXXX XXXX XXXX. In XX/XX/XXXX XXXX XXXX XXXX  acknowledged that they inadvertently entered loan information in a manner that was inconsistent with the loan documents my husband and I signed in XX/XX/XXXX. In their letter attached they stated that they were going to correct this and send correspondence confirming such changes. To this date, they have yet to do so. Furthermore, they have failed to process our loan modification application from XX/XX/XXXX.
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

An account being reported on my Equifax credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2017-11-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX have alleged they were transferred servicing of this loan in XX/XX/XXXX.  I have vehemently disputed this debt since the alleged transfer and I have not made any payments or agreed to any terms to pay it. In XX/XX/XXXX, I sued XXXX XXXX referencing this alleged transferred loan to collect. XXXX XXXX will advise status of loan or communicate with me referencing the loan they 're alleging more than {$140000.00} past due. I 'm attaching statments and documents from XXXX to substantiate my claims.
Consumer complaint received 2017-11-19
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. (NJ)

Information is being reported on Equifax credit report that is not mine/no knowledge of account. In fact, this erroneous information was being reporting on a XXXX report and was deleted on or about X/X/17. 

The information is reported as : XXXX XXXX XXXX, amount {$3500.00}.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Sighs .... where do I begin? Starting back in XXXX I sent a letter to Portfolio recovery asking them to validate the allege account not verify but validate ( letter is attach as well in return I sent a letter with a itemize billing? Left me very puzzled. I then send a second letter informing portfolio recovery that they neglected to validate debt. THIS ISNT MY ACCOUNT. I asked in the 2nd letter for the collection agency ro provide viable evidence my signature!!! I even asked the collection agency to detail the procedure used to determine the accuracy I even asked to know who I there company verified there account. If this is my account prove it show the contractual obligation your alleging I have this is truly disheartening because no one at portfolio has even look at my letters they just send out this allege bill despising the fact that Ive spent my hard earned money to mail letters to clear matter
Consumer complaint received 2017-11-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (FL)

I turned in my VW Credit leased vehicle at XXXX XXXX which took my trade in and made the remaining payments on the lease. I took pictures and videos of the condition of the car when it was turned in to XXXX XXXX. XXXX XXXX kept the vehicle at their site for over a week and then the vehicle was taken to a VW dealership to be inspected and returned to VW credit. Over a month later I received an end of lease bill from VW for several items for which I was being charged for that appeared to be inaccurate including a cracked windshield and excessive wear on one tire ( all 4 tires  were purchased and installed at the same exact time ). I called VW credit to dispute the inaccuracies of these charges and informed them that I had pictures and videos of the condition that the vehicle was turned in to XXXX XXXX and that XXXX XXXX sales man who delivered the vehicle to VW dealership was also contacted and attested that the windshield was not cracked. VW told me to hold off on payment until they investigated this further and that they would call me back, it was over a month and I phoned in a couple of times to get the same response ; they would call me back. Finally after nearly two months, I called again and after much frustration on my part because of these frivolous charges, they agreed to a lower the amount of the charges and to avoid further frustrations I agreed and paid the balance in full after I was assured that my credit would not be affected and that it would all be resolved. I am now checking my credit Report and my credit worthiness has been affected greatly by this incident for which I have paid in full even when the pictures and videos of my vehicle turn in date demonstrate the inaccuracy of VW charges for a cracked windshield. Furthermore, I pride myself in making all my payments on time to all creditors and I think my credit history, including previous VW accounts, can attest for me.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (NY)

While looking at my credit reports I have noticed the following account had a discrepancy in the " date of last activity '' as well as date opened section of the listing : This account has been illegally re-aged which as you know sets the credit reporting time over. This is a violation of the FCRA and the account neede on be deleted Immediately. 

Because of this apparent NEGLECT in your grave responsibility in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately :
Consumer complaint received 2021-10-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

I called Freedom Mortgage on XXXX XXXX in order to exit the covid 19 forbearance program. I was told that I would get a decision within 30 days. We were approved for the cap and extend motification. However they only offered to drop the interest rate and extend the loan only one month past the original loan date. Our mortgage would be more than what it was pre-pandemic. 

We have called aleast 7 times in the past month and each we get someone different and different information each time about our options for repayment and about what is needed in reference to our request to extend the loan out to 360 months and to get a lower interest rate. 

Each time we are told that our request was going back to the underwritter for correction and that we would receive the updated documents They keep assuring us that it will be fixed and we have nothing to worry about .Still over a month later we are dealing with the same issues and with no resolutions. Each person are telling us someting different and are promising to fix it only to call back again just to go through the same thing again after spending hours on the phone. We need help with resolving this.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (PA)

Opened savings account on XX/XX/XXXX with XXXX XXXX and was not given any indication that access to my money would be limited to no access at all within 60 days of account opening. Set up a transfer to transfer money on XX/XX/XXXX from my Popular account to my external bank ( same account that funded account at Popular ). Transfer failed. Called XXXX XXXX and they said they limit access to all accounts during first 60 days and only way to access would be to send them a bank statement to prove account ownership. Otherwise there is no way to access my money. Spoke to a supervisor XXXX who said that's how they do things. Transfer to external account from my Popular account on Popular 's online banking is also locked. How can a financial institution lock access to account holders for 60 days unilaterally and across the board as a policy? Absolutely ridiculous ...
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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 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 XXXX
Consumer complaint received 2021-09-10
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XX/XX/2020 I sold my condo and during the closing my HELOC with Citizens Bank was paid off and both the HELOC and associated checking account was closed. I have had a credit score of XXXX for years, and now suddenly it's plummeting every month because Citizens has reported the checking account as delinquent for some overdue payment. I have called customer service and they told me no accounts are showing as open and that I had to send an email to a seemingly unmanned email address " XXXX '' which I did. I have followed up three times and get no answer. Meanwhile, every month my score drops by XXXX points. I wanted to buy a new home, now I can not. Calling Citizens Bank customer service is a multi-hour affair always, and the email address is a complete void. I have spent at least 15 hours on this and can not get anywhere with them, they just don't care. 

They're basically ruining my life and I have no recourse. No one will help.
Consumer complaint received 2020-11-25
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: OneMain Finance Corporation (TX)

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, ONEMAIN FINANCIAL add a hard inquiry on my credit report per XX/XX/XXXX.
Consumer complaint received 2017-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

I applied for a car XXXX XXXX of XXXX, I had my father as a co-signer and we bought the car. I currently have 3 hard inquiries from doing this on my credit report. One from XXXX XXXX XXXX XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX. One from Capital One Auto Finance on XXXX XXXX, XXXX, and one from XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX, which is where I bought the car. 

I did not authorize either one of those credit agencies to run my credit, we were told we were going through another credit union called XXXX XXXX XXXX XXXX but my father got denied as well. Then they just ran us through all these credit unions without asking our permission, and now my already bad credit score is  worse from all the hard inquiries.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a Wells Fargo Credit Card that offered 0 % for 15 Months on balance transfers, and I was approved, and they automatically trasnferred my balance from my other card. When I get the card and statement in the mail it tells me I was approved for a " cash back '' card, of which I did not apply, that had a rate of 22.15 %. I called and spoke with a manager who says that since I already had a credit card with them that had had a previous introductory rate offer I was not eligible for this rate offer so they approved me for another card based on my credit. I told him I didnt apply for that card nor get an opportunity to deny the card once knowing that the card would be at 22.15 % but he told me that it states that the I may not be eligible for the rate if I already had a card with them that had in the past had a introductory rate. From Wells Fargo website : " Eligibility for Introductory Rate ( s ) and Fees : If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR ( s ) or fees. " The problem is that even if I wasnt eligible for the card I was applying to at the 0 % how are they able to take my application and apply it to another card with another rate that I did not approve or know any terms or conditions on?
Consumer complaint received 2022-03-31
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. (OH)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX ( XXXX XXXX ) has violated my rights. 15 U.S.C section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-10
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. (CA)

I was a victim of identity theft. I went and paid off the collection even though it wasn't me that open that account. It drop my credit score by XXXX points. Even after I paid of the collection which wasn't mine. The credit score remain the same. XXXX Experian
Consumer complaint received 2021-07-06
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. (MO)

Since XX/XX/XXXX to XX/XX/XXXX accounts XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX has not been investigated. This is ridiculous at this point, I know that this has not been done because the update status has not changed. Please delete this from my credit profile immediately due to the bureaus direct violation on not investigating this matter. Please consider this my written authorization. Attached is proof of my identity.
Consumer complaint received 2023-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NJ)

I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX was made with the proper clauses and provisions based on banking law in the amount of XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Upgrade on XX/XX/2022. They accepted my instrument but did not credit my account correctly I did call and spoke with XXXX they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. 
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2018-06-08
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: Bread Financial Holdings, Inc. (FL)

After going through a divorce i order my credit report and i notice a inquiry from XXXX XXXX. I did not authorized this inquiry and I want it removed as soon as possible.I notice it appear two timesvXX/XX/2017 and XX/XX/2017 I notice that XXXX XXXX   give anyone a credit. I also have a credit card from XXXX XXXX XXXX XXXX that I want removed from my credit because i did not open that account. I don't want it closed i want it removed.I did not open this account and i didnt benefit from this account being open.