davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I certified mailed letters to XXXX XXXX XXXX XXXX on XX/XX/2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. XXXX XXXX XXXX XXXX failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I certified mailed letters to XXXX XXXX XXXX XXXX on XX/XX/2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. XXXX XXXX XXXX XXXX failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.
Consumer complaint received 2022-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (CA)

I submitted a complaint BMW financial -- -see file. The response is a single payment > > {$28.00}, XXXX by next month XX/XX/2022. This is not a viable option for me and I can not meet this one payment offer.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I checked my Bank of America prepaid account balance through the app and seen a withdrawal saying Bank of America for {$980.00}. I called Bank of America to see what it was and was told that it was a withdrawal at a Bank of America atm at XXXX XXXX at XXXX XX/XX/XXXX. It appears someone was able to check my balance, and then withdrawal {$980.00} from their atm. However, I never lost my card!! I was home all day and left twice to get fast food and then give my brother in law a ride home. I have surveillance inside and outside of my house to show that. I filed a claim on XX/XX/ because it was too late to file one the day I found out. So I filed my claim and waited to hear back.. OnXX/XX/XXXX I received a letter in the mail dated XX/XX/ saying my claim was closed? I called the number provided to speak to someone and was told that I was liable? I don't understand how an investigation was even done when it was opened and closed in one day? It was their atm. They could easily view the atm footage. I've even asked how to get the footage myself, so that maybe if I recognized the person, I could help with the investigation. But I was told by the representative that she didn't know how to go about getting that. The paper sent also says I can request the documents that they replied on to make their decision.. and what a surprise, she didn't know how to go about that either? The only thing she said she could do is reopen the claim and note that in the email sent to the next department who handles that kind of stuff.. and she couldn't give me a timeframe to expect to hear anything back. So I'm suppose to just sit here and wait and hope that someone gets back to me. This is ridiculous!
Consumer complaint received 2017-09-19
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

I have a Best Buy XXXX credit card with Citicards. My account number is XXXX. 

On XX/XX/XXXX2017, I was assessed a charge in the amount of {$67.00} from a XXXX store in XXXX, HI. I live in XXXX XXXX, CA, and have never been to XXXX or to any XXXX store in XXXX. 

I disputed the charge on Best Buy 's credit services website. However, they responded, " A valid card on your account was presented at the time of this purchase, '' and refused to remove the erroneous charge, Since I repeat, I have never been to XXXX, and the card was never out of my possession, it is impossible this charge belongs to me.
Consumer complaint received 2023-01-29
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. (VA)

Hi CFPB, For XXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in Equifax, XXXX and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX Unauthorized charges : ATM XX/XX/2020. XXXX, AZ for XXXX XX/XX/2020. XXXX, Az for XXXX XX/XX/2020. XXXX, Az for. XXXX I reported my card missing to them. 

Funds credited : XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020 fee charge of XXXX XX/XX/2020 fee charge of XXXX I call bank several times to fix it. After several times they would hang up on me. Last call lady said you have to pay us back for the lost. It does not matter how it happened. I ask lady is this what u do make people that work hard pay back money that is there money. She said u lost your card. I said yes, I reported it. I ask them when they credited the funds back if I were okay. Fraud division said no worries u are okay. They l did not tell me the truth. This is wrong. Im upside down with my bill now because of this. Its not far. I stopped by little school pension from going in. She told me they were going to take my money from me. Can u please help me. 

Bank of America
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NJ)

I enrolled in Forbearance plan with the loan servicer below, and they reported it to credit agency as account under Forbearance. They denied me credit, so I couldnt close on my house. I need help to get this removed. 

https : //www.myloancare.com/pub/index.html # /Login? ReturnUrl= % 2f & AspxAutoDetectCookieSupport=1
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WA)

On XX/XX/XXXX I paid {$7000.00} on the balance on my US Bank FlexPerks Visa. This brought my balance down to {$13000.00} with a revolving line of credit of {$20000.00} I made this substantial payment as part of my ongoing effort to lower my credit card utilization from 100 % to roughly 67 % thus working to improve my FICO credit score. 

I received a letter dated XX/XX/XXXX from US Bank stating that they are decreasing my line of credit to {$14000.00} " effective immediately ''. 
This action taken by US Bank unfairly puts my utilization back to 98 % with my balance owing at {$13000.00} Instead of a positive acknowledgment of making a large payment, I get kicked in the gut by US Bank. This is an outrageous way to treat a long-time customer since XX/XX/XXXX who has a lot invested in US Bank : my business account, personal checking account and a Home Equity Line of Credit ( HELOC ). 
This treatment by US Bank has caused me pain, suffering and anxiety that is beyond words. It 's this oppressive behavior from US Bank practices that has earned them a Consumer Reports rating of 1 star! 

I am considering closing all of my accounts with US Bank and taking my business to a competitor that actually treats their customers with decency as a human being. 

By the way my credit score is not XXXX as claimed in the letter. It 's XXXX and will continue climbing since I have paid off 4 credit cards and my XXXX lease too.
Consumer complaint received 2017-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I previously filed a complaint with CFPB regarding Specialized Loan Servicing about my mortgage.
As previously stated, Specialized Loan Servicing has been  holding insurance funds that they were not entitled to since XXXX XXXX. I paid for all the repairs to my home. Specialized Loan Servicing was to endorse the check and return to me. Rather they deposited the money, applied it to my mortgage for 6 months of payments, then reversed the transactions after a couple of months, leaving me in default, held the monies in " escrow '' - filed a foreclosure suit against me, had me refinance with them - and said they would only return me my insurance proceeds after I made payments for 6 months. 

During that period of time, I was accidentally copied on an email between Specialized Loan Servicing and their counsel, where they said that they would provide me with a modification package but were going to deny it upon my submission and proceed to foreclosure. ( a copy of this email was previously provided to CFPB ). Once Specialized Loan Servicing and  their attorney learned that I had a copy of that email, they immediately allowed a modification but not without tacking on fees to the mortgage amount and refusing to return my insurance proceeds until they received the 6 months of payments. 

After 6 months they did not return my money. When I repeatedly called and asked, the representatives told me that I had to have an attorney call to get my money back. 

They then started returning my payments. 

In their previous response to my complaint to you, they said they were looking in to the matter, that I had more than a year of unpaid mortgage payments, at the time, which was not true and that they would continue to look into the matter and respond to me. 

CFPB closed the matter with the response. 

Specialized Loan Servicing did not respond to me. Did not send me my insurance proceeds. They did not send me any correspondence. 

I have been informed that they went ahead and filed a lawsuit against me.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been sending disputes for 3-4 years trying to remove incorrect information. Each time I get verified as accurate. Thats all. No real look or investigation. I can not buy a home until this is fixed.
Consumer complaint received 2016-06-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

Entered into a car title loan with Wilshire consumer credit. At one point I knew I would fall behind on payments before the payment was late I contacted Wilshire Consumer to ask for a payment arrangement or deferment. The said XXXX no this is a car tile loan and we can repo your car after XXXX day late. I called back a couple of days later explained I could not make the payment and they said that I should have called before I was late to make arrangements. I told them I did. The employee was so rude, threatened to repossess the car, called me ignorant and was actually yelling and talking over me. Days later they repossessed my car. They made me pay about {$1000.00} to get it back and I got it back. Before I made the payments to get the car back I asked them if they would be able to defer my next payment so I could catch up. They agreed and send me an extension agreement stating that my next payment was due XXXX XXXX. The contract was signed by myself and by Wilshire. When I called them to confirm the deferment they said that they messed up on the paperwork and that my actual payment is due XXXX XXXX intead of XXXX. I told them that that 's not what the agreement says. Now they are calling harassing me, threatening to repo my car again and they will never let me speak to a supervisor. They call me a loser, Scream and yell, hang up and lie about the supervisors. The few times I have spoken to a supervisor they contradict what the employees say. I have paid them over {$3000.00} and I only borrowed {$2500.00}. They are constantly calling threatening me and say that my extension was not approved. I have documentation showing the agreement.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

I bought a sectional from ashley furniture. I paid XXXX cash down. When I got the bill my last name was not accurate. They had input XXXX ( the city in which I live ) not XXXX  my actuallast name. When I called  about it I learned the ssn on the account was wrong as well. The company is saying that they will change my ssn over the phone, taking my word for it. But the name change needs to be submitted via letter. I find it very odd that they will change the social which is the most important piece of information here based off of my word however my name change requires proof. I told them over the phone that if they are going to make me jump through hoops to change my name that they need to compensate me for my time since it was not my error. Isn't this considered credit Fraud?
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company has been attempting to collect a debt that has been identified as identity theft. The debt is not mine and has an address attached that I have never been associated with. I have written and called them numerous times to request documentation showing me originating the debt and they just mail me credit card statements that are not mine. The original debt is from XXXX XXXX who has agreed the debt is the result of identity theft yet this collection agency continues to pursue me. The real crux of my complaint is that over the last few months they have done a hard inquiry on my credit file every single week ( over 23 times in 3 months according to XXXX ). These unwarranted and unauthorized inquires have resulted in me experiencing a significant drop in credit scores which has left me unable to obtain financing and paying higher interest on existing debts. I feel as though there is no ligament reason for the obscene number of credit inquires recently conducted by this firm and the only explanation is that they are maliciously attempting to attempt an illegitimate debt through coercion.
Consumer complaint received 2021-04-30
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. (KY)

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report and also failed to provide me with a free copy of my credit report after the changes. it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation. Also I will also be seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC (AZ)

Received letter dated XX/XX/year> that mortgage being transferred to CrossCountry Mortgage XXXX XXXX XXXX 
Sent payment to new service address on XX/XX/year>. 
Payment returned to my bank account on XX/XX/year>. 
Resent payment to new service address on XX/XX/year>. 
Payment returned to my bank account XX/XX/year>. 
Resent payment to new service address on XX/XX/year>. 
Monday XX/XX/year> - Called phone number XXXX on transfer letter to get more information about loan transfer and why payment being returned to my bank account. 
Automated service with no option to speak with a human/person. 
Not able to resolve the issue of payment not being accepted. 
XX/XX/year> - I setup login information to website for loan servicing. 
No additional information on website and no way to contact/email customer service.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

These accounts were opened around the same time, back in the early XXXX 's, and it's well over the XXXX. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away. 
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX  's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.

I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.
Consumer complaint received 2020-12-08
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: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC C/O Resurgent Capital Services, XXXX XXXX XXXX, XXXX SC XXXX is reporting a collection account against me on my Credit Reports for an account originally belonging to XXXX XXXX XXXX with an account number ending in XXXX. I have never opened an account with XXXX XXXX XXXX. I believe an ex used my personal info and opened an account perhaps. I have never opened an account with XXXX XXXX XXXX so I demanded proof of my owning the account. Since I never worked with them, I know that there can not be proof. Proof of ownership has not been provided, yet they still will not delete this account.
Consumer complaint received 2020-05-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (NY)

I have an account with Paypal, who decided to lock my account despite it having a valid password, and the account having been validated by phone several times. They have now fully locked my account, and say this can only be open by calling their telephone center. However, calling the center leads to a message that says due to Covid-19 they have suspended the telephone center. Meaning there is no way to resolve access to accounts with Paypal right now.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (MS)

i noticed my creit score dropped by XXXX points and i called XXXX and said that i had XXXX hard inquires on my account. I did not authroize4 these transaction. and i would like them removed
Consumer complaint received 2017-09-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I scheduled a Bill Pay transaction through my bank to pay my local electric company on or about XX/XX/XXXX for the payment to arrive on or about XX/XX/XXXX. My payment failed due to non-sufficient funds and I was charged an NSF of {$29.00}. I am fine with this as it was my responsibility to ensure funds were available.
What accompanied this charge was an email 2 days later from my bank stating their Bill Pay Vendor had paid the bill on my behalf and that I would be charged to my bank account again. I had since paid the original bill with the electric company and contacted my bank to advise they needed to cancel the Bill Pay transaction. I advised them that no further attempts on my bank account were permitted for this transaction and yet I was charged another NSF for this even after I advised to stop payment.
I feel this is unlawful and deceitful.
Consumer complaint received 2023-01-11
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. (TX)

There is fraudulent information on my credit report that I have been disputing for some time now with each credit bureau and have gotten nowhere. I have sent them each a copy of my FTC report detailing the fraud and they are refusing to remove the inaccurate information from my credit report. It is illegal for a consumer reporting agency to report inaccurate information on a credit report and I am demanding that they remove this fraudulent information. I have attached my FTC report below.