davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc. (FL)

I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in regards to my available credit was updated due to I made a payment of {$330.00} on XX/XX/XXXX, which is the due and was made before XXXX so the payment would post the next business day. I checked my credit availability on XX/XX/XXXX online and only the balance was updated and not my credit. I contacted customer service and the representative told me that my account was closed because my payment was past due which was incorrect and was not due until XX/XX/XXXX. I informed the representative that I made a payment of {$260.00} between XX/XX/XXXX-XX/XX/XXXX by check and the payment has normally posted the next business day when I made payment by check and becore XXXX and this time it did not happen and was told it will take 10 or 14 business dsys to post. I gold the representative the payment has already cleared my bank and she advised if i can get a letter from my bank zhowimg the amount XXXX has cleared it can still take 5-10 business days to post to the account, which I still could not understand. So I asked the representative if she could just stop the check payment/reverse it so that I can make a payment with my check debit card. I did not make a payment with my debit card the first time because you can't make a payment until after 5 business days ypu made your last payment eith that debit card. So the representative told me to contact my bank to have them stop payment on the check because I wanted my payment to post right away. I wasnt late or past due because my payments are due the XX/XX/XXXX of the month. I was never advised of my acvount status via email which they have contacted me before when my credit card was compromised by XXXX. Then I requested to speak with a supervisor by the name of XXXX and she told me my acvount was closed due to the payment eas reported by my bank as unauthorized. I informed the supervisor that I did not and reauested that she listened to the revorded call I had with the represenative when she advised me to contsct my bank to stop payment on the check. The supervisor then stated that I would need to get a letter from my bank statimg the request was only a stop payment but that does not guarantee my credit account would get opened back up it wpuld be up to the underwriter. I stated to the supervisor that is not fair and how could you close my credit card acvount without contacting me by email or phone call and I have not received a letter to make sure this was an error and would close my account after I have bern with them over 4 years. The supervisor then begin to say they have the right to vlose my account, and did not attempt to escalate but would rather lose a consumer with false imformation and not sympathizing but only making the company look justified in what was done.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Paid my bill in full before the due date, got charged a finance charge of XXXX, called Capital One 6+ times got a different excuse for being charged, asked to speak to a manager was denied to speak to a mgr, told they dont have phones, they only do admin work, they dont take calls and so on,
Consumer complaint received 2018-02-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I got a home loan through Bank of America. During this process I was informed I would receive free checking and a free security deposit box. I specifically asked when signing up for this feature, How long do I have this feature? and was told, " Through the life of the loan. '' ( per branch manager at the time in the XXXX office ) As of today I still have a home loan through Bank of America however last year I received a letter stating they will no longer offer this feature & they will from there on out start billing me for this service ( which was never disclosed to me they would be doing this ) In XX/XX/XXXX I was notified by Bank of America about refinancing through them to get a better rate, I spent quite some time going over everything with them & was assured multiple times the terms would stay the same & nothing would be changing but the rate. This was conveyed to me by XXXX XXXX and XXXX XXXX who were employed by Bank of America and representing me at the time of the refinance. I have spent countless of hours on the phone with Bank of America trying to get this issue resolved only for them to give me story after story of why they are taking this away. I also spoke to I believe a XXXX from the XXXX Bank of America branch. When I asked why they were out of the blue taking this service away she told me the reason was because they were passing them out like candy and couldnt keep doing this. This is very misleading and dishonest and should have been disclosed at the time of my loan process. Had I known they would take away a feature they had offered and assured me I would have through the life of the loan never would I have signed loan docs with Bank of America. I am a person of my word and feel I was lied to and taken advantage of just to get my money. Reputable companies I know would honor a service they had promised to me to begin with. Im coming to you in hopes you could help resolve this matter in a fair and professional way.
Consumer complaint received 2022-01-09
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. (MI)

They're reporting inaccurate information. When i'm asked verification questions none it matches up to what they're reporting so i fail. I've tried contacting them but all they offer is automated service. You can not talk to a human. They have me associated with someone else, my loan date is wrong, people and addresses listed that i'm not aware of. This causes me to fail the verification question process with financial institutions. All 3 bureaus
Consumer complaint received 2018-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (AL)

My wife and I were approached by a third party company that handled our student loans. The agreement they made was to debit {$39.00} from each of us each month to handle our student loan account. The agreement that was that until we could afford to make our student loan payment, the {$39.00} payment would be charged to us and the payment would also be added to the balance of our past due student loans. We recently learned that none of the payment is going toward our loans and that this service is not doing anything that is necessary to the principal balance of our loans. We would like our money refunded.
Consumer complaint received 2021-11-06
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. (TX)

There are several items that are reporting on my credit that do not belong to me. 

Incorrect Names : XXXX, XXXX, XXXX, XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX  ( Transunion ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( XXXX ) The following items do not belong to me ( Fraud Account ) - XXXX XXXX  ( Transunion ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX  ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX ) - Bal : {$21000.00} - XXXX XXXX  ( TU, XXXX, XXXX ) - {$52000.00} - XXXX XXXX  ( TU, XXXX, XXXX ) - {$36000.00} - XXXX XXXX ( TU, XXXX, XXXX ) - {$1300.00}
Consumer complaint received 2022-01-09
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: U.S. BANCORP (CA)

Hi CFPB, My complaint history is as follows : 1. I identified a fraudulent subscription on my account. 

2. I cancelled my card number with Fidelity Visa and received a new card and a new number. 

3. After receiving a new number, prior authorizations were still granted and I was charged XXXX. 

On a side note, I just checked my card and I see thousands of dollars of fraudulent subscription pre-approvals that I am not familiar with. Many are one time charges that are set as subscriptions. The law/regulation needs to change so when a card number is changed ALL subscriptions pre-approvals are voided. Prep-approvals CAN not be more than 1 week prior to the charge. 

4. I reported the fraud. 
5. My claim was denied as they responded in 1 sentence I reviewed a service 6. I called for additional documentation they agreed to send it. It was never sent. 


I have been with this credit card vendor for years and this is my last recourse before closing my account in its entirely.
Consumer complaint received 2022-01-11
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: AMERICAN ADVISORS GROUP (CA)

I called the loan officer at AAG-Reverse Lending. I had to under go a counseling service according to HUD to determine if I could afford the loan. After the session, I did qualify and I obtained my certificate. I have tons of equity in my home and Reverse Mortgage companies do not need credit reports. 
I spoke to XXXX last Friday and I told her that I would obtain a copy of my report and send to her via email. 
Well, they pulled my credit report without me ever having an APPLICATION or a Credit Release form signed. 
This has resulted in a hard PULL of my credit and if you call the number for the company, it rings busy? I don't know WHAT THEY WANT with my credit since I'd already qualified for the loan though a HUD counselor. The HUD counselor went over my finances. THEY ARE IN VIOLATION OF THE FAIR LENDING PRACTICES AND CREDIT REPORTING ACT. 
They cost me points and no hard pull was necessary with over {$800000.00} equity in my home.
Consumer complaint received 2018-02-06
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: Navient Solutions, LLC. (GA)

Late payments were reported to the credit bureau on my account and i had no idea that the payments were late. A family memeber was supposed to be making the payments and they decided not too and didnt tell me, so i had no clue. No one ever emailed me or called me to let me know the payments were due and late. As soon as i figured out about the payments i brought them all up to date and paid the balance. Navient never emailed me, called me or sent any mail.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (PA)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number CommentsUnder the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

There is a reporting on my credit saying I owe XXXX $ to lvnv funding. I reported this before as identity theft. And it was removed from all credit reporting agencies. And know it is back on my credit. I would like for this to be REMOVED AGAIN AND TO STAY REMOVED.
Consumer complaint received 2020-01-22
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. (NJ)

XXXX XXXX XXXX Alleged account # XXXX The 3 Credit bureaus failed to properly investigate a dispute, so i filed an investigation directly with the collection agency in the form of a sworn testimony ( AFFIDAVIT ) to which they have responded ( attachment ) that they will request that the 3 major credit bureaus delete the tradeline of the referenced account. However, they have concluded that this may take up to 90 days, to which I am disputing needs to be removed immediately!
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I opened a business checking account on XX/XX/XXXX at the Wells Fargo branch in XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I supplied all necessary documentation including : Articles of Incorporation for XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, EIN letter issued by the IRS, XXXX XXXX XXXX XXXX, and government issued ID. 
On XX/XX/XXXX I ordered business checks totaling {$160.00} for XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I was called by the bank ( XXXX XXXX ) asking to provide additional documentation. I told XXXX that I did not have or require anything beyond what was already provided and listed above. XXXX said he would work it out with his back office. 
On XX/XX/XXXX I received an email that my business checking account balance had gone to zero. I looked at my account online and saw that it was " closed due to XXXX ''. 
I called Wells Fargo 's XXXX numbers and got nowhere. I called the XXXX branch and spoke to XXXX who said I should come in the straighten it out. 
On XX/XX/XXXX I returned to the XXXX branch of Wells Fargo and provided my IRS issued EIN letter with payment coupon for XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While there, XXXX checked with his back office to verify that the IRS EIN letter was sufficient for XXXX documentation. XXXX confirmed with back office that this was acceptable and that they would be able to re-open my account within 24 hours. 
The account has not been re-opened as on XX/XX/XXXX. 
When the account was closed, there was a {$38.00} balance that was not returned to me or my company. 
The {$160.00} worth of business checks are worthless.
Consumer complaint received 2021-11-06
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. (WA)

I am disputing violations by Equifax misreporting information. I never been notified by mail account closed and its inaccurate. Also XXXX XXXX XXXX account I do not have a contract with. I was never given anything proven debts validated which is required by law. I am enforcing my rights 15 USC 1681.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

My mortgage with XXXX was on my credit report through XX/XX/XXXX. In XX/XX/XXXX it disappeared even though the loan is still open and in good standing
Consumer complaint received 2021-11-06
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. (TN)

Experian is reporting alate payments and although I have disputed this with them they continue to report it. The Credit CARD Act prohibits a creditor from treating a payment on an open-end credit plan as late for any reason. Experian claims that they have verified the information but yet XXXX and XXXX do not report these late payments.
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (VA)

Back in XX/XX/2020 XXXX XXXX put on my credit report that I owed them money of {$500.00} and account # XXXX. I then opened a dispute with XXXX  for them to obtain proof that XXXX XXXX XXXX is stating that I owe this money to them. I want to see proof that I signed any documents that they rendered any services to me. 

I then received a notices that the information was not verified and it was removed from my credit profile. The again in XX/XX/2020 XXXX XXXX listed this account with another collections agency. Again I disputed and it was removed from my credit profile. I then contacted XXXX  again 30 days ago and they came back as the debit was verified through their computer system not with anything with my signature on that the people rendered service to me. 

So once again XXXX XXXX has listed this debit with Paramount Recovery for {$500.00}, When I asked the credit to follow the credit law. I was advised by XXXX XXXX at XXXX  that it's not their responsibility to get proof that this debit is owed. I then told Mr. XXXX that the unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). 

After I told MrXXXX XXXX this information he told me good luck with having the information removed from my credit report.
Consumer complaint received 2018-02-05
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: Flagstar Bank, N.A. (CT)

requested through XXXX XXXX that I am no longer financially responsible for a mortgage that is under my ex husbands name on XX/XX/2017. I have not been notified and XXXX XXXX   is still giving me mortgage updates and hard inquiries on my credit report.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

My mortgage with XXXX was on my credit report through XX/XX/XXXX. In XX/XX/XXXX it disappeared even though the loan is still open and in good standing
Consumer complaint received 2021-11-06
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. (TN)

On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid for.
Consumer complaint received 2018-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (OR)

Whether I answer or get a voice mail from this company, it is a woman 's recorded voice that says the company is Aldous & Associates and this is an attempt to collect a debt. I never get to talk to a live person if I actually answer this call. Whenever I call the number they leave, I am told they have no records for my phone number ( that they just left yet another message at ) and to try and answer the call immediately when I see it on my phone so that I can talk to someone. It never works. I have never gotten through to a real person through their calling me. It is just a recording. I call the number and have talked to a younger sounding man named XXXX several times and he says I need to just keep trying to answer the incoming call immediately to get through to someone to find out what it's regarding. This has literally been going on for two months now. I speak to XXXX about every week. He said maybe next time we can block my number. It is very alarming to keep receiving debt collection calls. My credit is over XXXX ( at last check ) and this company can not even tell my what they are calling me repeatedly for. I have checked my credit report a few times in the last couple of months, and all looks well. I do not see any unpaid payments, etc. 

They call me from XXXX XXXX XXXX and I'm told to call them at XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I FILED AN FTC REPORT FOR AN XXXX TIME. i HAVE INQUIIRES LISTED THAT DO NOT BELONG TO ME AND AN ACCOUNT LISTED ON XXXX. ALSO TRANSUNION HAS AN INCORRECT DATE OF BIRTH FOR ME.