davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

I have an IRA at US Bank, and they issue account statements for my type of IRA account only once per year. 


I 'm trying to close this account and transfer the money in my US Bank IRA to an IRA that is held by a different financial services company. I 'm working with the other company to complete the transfer process. To complete the transfer, the other company requires a statement from US Bank that is dated within the past 90 days. This requirement seems reasonable to me. 

I recently spoke with a US Bank representative by phone, and I also visited a branch several weeks ago. US Bank considers my months-old account statement to still be the current statement, and says that I 'll need to wait until my next yearly statement is generated, which will happen months from now. US Bank refuses to give me a current account statement that is dated within the past 90 days. 

As a consumer, I believe it is my right to receive account statements more frequently than once per year.
Consumer complaint received 2021-04-30
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. (NJ)

XXXX XXXX is reporting inaccurate late payments and a balance on an account that has already been PAID IN FULL I have sent all three credit bureaus the proper documentation that the information is inaccurate but they continue to report the inaccurate information
Consumer complaint received 2020-05-29
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)

I have a car loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.
Consumer complaint received 2016-04-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (FL)

On XXXX XXXX, 2016 I was charged a total of {$680.00} by XXXX car rental agency. My final charge per my rental contract was only {$230.00}. After being unable to reach a resolution with the merchant I contacted my bank for assistance. They have been of very little assistance thus far and have yet to reach a favorable conclusion regarding my overcharges amount.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I have a car loan from WELLS FARGO DEALER SVC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO DEALER SVC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX, and XXXXXXXX   reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  / ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX XXXX  / ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX XXXX  / ACCT # XXXX, has violated my rights. 

XXXX XXXX  / ACCT # XXXX, has violated my rights. 



15 U.S.C 1681 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (OK)

On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, Barclays, & XXXX XXXX. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-08-16
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. (CA)

XXXX XXXX XXXX  XXXX loan for a XXXX purchased. XXXX Customer service calls me and hangs up every day, their dialing system does not work. I had set up direct deposit payments, but their system did not process XXXX, which was supposed to be first month drawn direct. All payments are made and current. No payments were made late, yet XXXX XXXX is reporting the XXXX payment as 30 days late. Their customer service person recognized the error and noted in system but refused to change the credit reporting. Gave me a PO Box to mail a request to update credit report. No response to multiple mailings. This one incorrect reporting dropped my credit score 64 points in 30 days.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I received an alert from a third-party credit monitoring service that Experian themselves not a bank or lender reporting to Experian had changed my mailing address on file ( without my knowledge or consent ), removing my apartment number. I want to correct this. 

I have tried for several weeks to login to Experian 's site to obtain a copy of my credit report, verify their address on file for me, and enable a credit freeze. 

After entering my personal information, I always get an error saying they've " encountered an internal system error, '' directing me to call a toll-free number to get support. 

They even send me emails, telling me to " simply tap below '' to finish setting up my account which, of course, inevitably leads to an error screen. 

When I call the toll-free number provided and enter my personal information, they provide absolutely no way to talk to a representative. Every single menu option eventually leads to a variation of a statement of basically " just login at our website, '' which I am obviously unable to do. I've even tried calling their corporate number, and their menu system there explicitly says that I can not talk to anyone. 

It seems as though Experian is intentionally preventing me from accessing my credit info and correcting incorrect information on my file.
Consumer complaint received 2021-04-03
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Advantage Finance, LLC (OK)

This company is using illegal collection practices. They claim I owe more than I do and attempted to repossess my vehicle after 22 days without a payment. They threaten to repossess if I do not pay whatever unreasonable amount they determine I owe. They refuse to provide me with detailed activity of my account and payoff amount. They claim that I will be sued or my property will be seized and even sent a man to my home with a large paper that resembled a legal document. They have added unauthorized interest, fees, and charges not listed in my contract. They call me repeatedly, almost daily, and cause undue stress on my family and I. They make it extremely difficult for me to pay on my account without paying additional fees or calling into the finance company.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Angel Oak Mortgage Solutions LLC (DC)

Applied for a mortgage loan on XX/XX/2021. I received and signed a loan estimate and my rate was later locked at 5.625 % with a 2 year prepayment penalty period. Nothing changed with my qualifications before settlement. 

I was told the loan was approved and settlement was scheduled. I received no disclosures prior to settlement. 

At settlement on Friday, XX/XX/XXXX at XXXX XXXX  The loan package arrived at the settlement office and was radically different from anything I had agreed to. The mortgage rate was 6.125 % and the loan prepayment penalty was extended to 3 years at a penalty of {$6200.00}. 

Additionally, the bank doubled the posted tax rate on the property for the tax escrow. When the settlement company questioned this, Angel Oak Mortgage Solutions refused to reduce the escrow to the actual tax rate. 

As I had a {$50000.00} deposit and {$490000.00} in exchange funds at risk, I had no choice but to sign the loan documents. My feeling is that predatory lending laws were broken.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

On XX/XX/2019 I contacted Macys executive office due to XXXX failing to address several issues I filed about. XXXX her colleague like XXXX decided to lie. I was told that Macys didnt cancel my credit protection but received a list from the company to remove it from my account. He then gave me credit protections number and told me to file a rebuttal. I followed his instructions and requested a rebuttal. XX/XX/XXXX I received a call from XXXX  letting me know Macys instructed them to cancel my credit protection. She also informed me a rebuttal wasnt needed and simply was to know who canceled which was Macys. The fact that people in the executive office are lying just as the customer service line is disgusting. For several months Ive been lied to, intentionally given wrong information, refused information, and misdirected
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CO)

Hello, I have been in dispute with XXXX account on my Equifax report, The accounts are as follows : XXXX XXXX XXXX ref # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (KY)

{$850.00} was transferred from my husbands account to mine on the XXXX, but it has never arrived in my account with Simple Bank ( backed by BBVA Compass ). I 've been on the phone with them many times and keep getting push back. I have been on XXXX conference calls with Simple and the bank the money was transferred from with no resolution. We have sent money this way many times with no issue. The money is out of my Husband 's account, we gave Simple the ref # and they said they still ca n't so anything with it. We have been waiting from a call from Simple 's dispute team for over a week.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2024 I made {$1.00} payment to a relative using XXXX. My CapitalOne Creditcard is linked. I was then charged {$10.00} for a cash advance. I called CapitalOne customer service for another problem in conjunction to this issue and I let them know during the call I did not make a cash advance or withdrawal but the representative told me that it is still considered a cash advance although I did Not get cash back. Couldnt reason with the person was told nothing could be done about the XXXX dollar fee although it was for a payment in the amount of XXXX dollar and XXXX cents. A few days later I also noticed a XXXX cent cash advance interest charge. So I was issued XXXX dollar fee plus XXXX cents interest ( XXXX ) for a XXXX dollar and XXXX cents ( XXXX ) payment ; not cash advance. I feel that is excessive and horrible business practice. Other consumers need to be made aware of this.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation (CA)

I was notified in XX/XX/XXXX via phone by Blackwell that I was in collections with XXXX for my quarterly dues, which in fact I was and did not dispute, due to incorrect ownership information. They had my ex husband 's contact information, and I am the owner by court order of the XXXX XXXX. I paid those dues once notified on XX/XX/2019 directly to XXXX, as that is who my account is with and whom I should have been paying. I was notified mid XX/XX/XXXX that I owed an addition {$75.00} for late fees, by my EX HUSBAND, who received a call, I went the same exact day and paid the {$75.00} on XX/XX/2019 to XXXX for a late fee. I received a call on XX/XX/2019 from Blackwell stating I now owe over {$200.00}. I have tried getting information from XXXX and Blackwell. I have sent a request in writing requesting a detailed statement of everything I have been charged, and why, when the payments were received and posted. I also have asked that all fees be in line with my original contract with XXXX. They are not responding to my request. They are only leaving voicemails. Please advise on how I can get help. I believe that XXXXof the $ XXXXis my quarterly fees due XX/XX/XXXX I am willing to pay, however, I should have been told that previously. I am not being notified until it convenient for them to 'collect '
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

I called PNC to let them know that I was having issues transferring money from my PNC account to my XXXX  account. The customer service agent told me that it was times  fault that PNC spot that everything that I needed to do on PNC site set up and all I had to do was transfer my money and that I could also do a transfer from PNC to XXXX  if I couldnt connect my PNC account to XXXX  on my XXXX   app. However I am now finding out the PNC has lied because theyve done things to make sure to make it to where I can not transfer money out to XXXX  at all this seems deceptive and its not a way to keep a customer and its very inconvenient to their long-standing customers and something needs to be done about it!
Consumer complaint received 2023-01-30
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I have been paying my Best Buy store cared every month, but I become more in debt to them every month. I owe them $ XXXX right now even after paying my month bill. The debt is pilling on top even though I don't use the card at all that month. Apparently, I have been charged for a debt protection that ranges from $ XXXX every month. I absolutely NEVER agreed to pay this monthly charge. I've actually, had more than one card do this to me at a time. Whomever signed me up for this charge is a fraud! Best Buy/Citi Bank is known for doing this. I'm not working right now and this is overwhelming debt must stop pilling up on me. I've tried to work it out with Best-buy with absolutely no help at all. Please help me. This is a fraud. 

Thank you, XXXX XXXX
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX is reporting inaccurate late payments and a balance on an account that has already been PAID IN FULL I have sent all three credit bureaus the proper documentation that the information is inaccurate but they continue to report the inaccurate information
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (TX)

My history with Honda shows I have only one late payment that was paid within 30 days. 

This was a loan for my first car ( new ). Purchased in XXXX. Paid off in XXXX. 
The single late payment was in XX/XX/XXXX. 
Payments were {$310.00} minimum and I would add more to pay down principal. 
The account is closed as the loan was paid off in full. 

I believe throughout the duration of this loan we set up auto-pay so it would always pay on time. Never late. 

This single late payment is negatively impacting my credit score and lenders always mention it to me.