davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (VA)

I filed a complaint with CF PB (   XXXX   ) that SunTrust reported my car loan payment -- for a car that was totaled and to be payed in full by insurers -- was 30-days late. The loan was paid in full by the insurers but late due to SunTrust 's negligence in responding to the insurer s ' requests for payment methods. Both  XXXX   XXXX  and  XXXX  attempted to conta ct SunTrust on  my behalf numerous times however SunTrust did not return many of those calls. Even so, it was NOT 30-DAYS LATE. My credit report lists a 30-day delinquency for the amount of {$0.00}.     SunTrust 's final response to my complaint did not even address my complaint. SunTrust made no reasonable investigation or explanation into the erroneous and damaging 30 day delinquent reporting of  XXXX  dollars due that SunTrust made to credit bureaus on  XX/XX/2017   .     More alarmingly, SunTrust 's inclusion in their final response information regarding my unrelated loan with SunTrust only demonstrates SunTrusts accounting and reporting systems lack of accuracy and reliability. Their letter is dated  XX/XX/17    and states that as of that date the unrelated account was delinquent. This account had been re-written at the time that was done on  XX/XX/2017   , and a SunTrust representative set up the electronic check payment for {$480.00}. On  XX/XX/2017   , the payment cleared my bank. SunTrust 's assertion that on  XX/XX/17   , the date SunTrust issued their final response, that SunTrust had not received payment for that account is provably in error.     Given the fact that SunTrust 's system provided their representatives with incorrect information for my account, it seems obvious that SunTrust 's system can not be relied upon for correctly reporting delinquencies to credit agencies in general, or specifically for information regarding any of my accounts, nor most specifically for the actual account against which my complaint was made.     I hereby re-open my complaint.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I received a copy of all of my credit reports. I inspected them for inaccurate information. 
When I discovered the inaccurate information, I contacted the companies in question to either update my account or provide me proof of the reported information. Statements showing the late payments. They didnt provide the information requested. 

I have never been late on any of my accounts. I have provided proof of the inaccurate reporting attached in this complaint. These accounts, if accurate, need to be reported the same for every credit agency reporting the account. you can see that some show late, others on time, others with no information at all. they are all over the place. Please investigate and provide proof that these accounts were late. If these statements cant be provided, I request the accounts be updated to PAID AS AGREED or be REmoved from my report all together. I was never late of these accounts. 

Thank You XXXX
Consumer complaint received 2021-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

On or about XX/XX/2021 I submitted a complaint to cfpb about my Capital One credit card charge. Complaint No. XXXX. After this complaint was submitted to Cap One they responded stating that they investigated the claim and that I benefited from this fraudulent purchase. 
The problem here is that the credit card company has provided NO EVIDENCE that I purchased these services. No signature, no copy of the charge slip, no surveillance that I was even in XXXX, XXXX the day the purchase was made. 
If Capital One offers fraud protection like they claim in their advertisements, why are they blowing off my complaint? It appears that they are lying about providing fraud protection since they have failed to fully investigate this claim.
Consumer complaint received 2016-09-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

THIS IS NOT A DUPLICATE COMPLAINT TO XXXX. I c.c., the CFPB, in efforts Caliber Home Loan, be held accountable, and to document on record, illegal the and unjust activities that exist to date. There are payment errors, escrow errors, fee errors, servicing errors, payoff errors, and foreclosure errors, that need to be addressed. 

I also requested, a complete servicing file, a copy XX/XX/XXXX and XX/XX/2015 mortgage statements. A itemized reinstatement, and for all errors to be fixed on account. I am also attached some additional, inquires, and notices that I have sent to Caliber, that have yet to be addressed or acknowledged, I will also be fowarding them to additional, state and federal agencies. 

Caliber continuously refuses, to properly address loan, lie, blatantly ignore, and disregard, multiple state and federal laws. There are many issues that continue to date, in which additional complaints will follow.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the credit cards companies : XXXX XXXX XXXX and XXXX XXXX not provided to Trans Union credit bureau updated information and Trans Union credit bureau refused to request on their own same data from my both credit cards accounts which I paid off completely a few months ago, so it is badly hurt my credit scoreI got XXXX on XXXX and only XXXX on Trans Unionsame thing my husband has and it looks like the credit bureau not fulfill its obligation to collect and to provide all accurate and up to date information
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

My son, was staying with me temporarily after his XXXX. He was also in a XXXX doing very well, ( I thought ). A couple of times I let him use my debit card, I was ill, but I always changed the pin # afterwards. But this time he found my new pin # and card and used the ATM to access approx {$570.00} from different atms, in increments of {$60.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus overdraft charges. Some more overdrafts charges since I have typed this complaint. If i have not made a deposit by a certain date, I am charged a extended overdraft charge. I just keep getting in more and more debt. My record with firstmerit has always been good to excellent. I recently paid of {$3500.00}, owing 1stmerit {$20000.00} of this amt. I paid the off in 5 years, which I could have just filed bankrupcy, never late in payments. Firstmerit have made mistakes on my mortage payments. 
paying home insurance to XXXX different cos for a year. Could have used that money ( XXXX ) they did pay me back. I have all my bills automatic debited. I have been trying to call them all to not submit the payments now. As of now my acct is over {$1000.00} in deficit and keeps going up and up. 
Right now my son is no longer with me. He 's staying at homeless shelter. I try to remember hes has a sickness. I do know that I have a hard time remembering pin numbers and afer I received a new pin # I misplaced within 24 hours. The customer serv said I do not have to have pin # inorder to use the card. Thats what I intend to do, not use a pin #, much safer. Now, I cant say for sure that I misplaced Pin # or he found it. I have decided to not use a pin # at all. I know I do forget my pin # or misplace it. 
Thanks for your help. I dont get another chk until XXXX/XXXX/15. The overdrafts will take up all ( XXXX ) deposit. More overdrafts charges. 
I 'm retired on a fixed income. 
Thanks good bye
Consumer complaint received 2022-02-11
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: FMS Inc. (VA)

Hello and thank you for your assistance. 
Last XXXX, a Collection Agency I have never dealt with in the past, " XXXX XXXX, '' somehow sourced an old debt of mine that was settled in XXXX and started pursuing me about it. They also added this [ time-barred and Settled ] debt to my XXXX Report, which is causing me a great deal of XXXX since I am applying for student loans for my XXXX. 

I originally Settled via FMS Incorporated, which was working on behalf of XXXX to recover the debt back in XXXX I promptly supplied them with a copy of my original Settlement Letter from FMS, confirming my Settlement as of XX/XX/2012. This letter did not convince them. I also Contacted FMS to ask what they can do to assist and they said they can do nothing. All they would be able to do is issue me a copy of the same settlement letter that I have. I contact XXXX multiple times to explain and disputed multiple times with the Settlement letter and told them that this matter keeps bouncing around like a hot potato. 

I've kept my documentation and do not understand why ; despite hours of conversation, this debt is still on my credit report. I've also been harassed by other collectors, some I am sure are scams, about this debt over the last several years. Not only have I shared the Settlement letter, but I've contacted XXXX XXXX XXXX at XXXX, to confirm and they were able to pull up the account and certify for me that there is a {$0.00} balance due on that account and it is settled. I asked them for a letter I could share with XXXX XXXX and FMS, but XXXX said they " can not print one because it is so old, but if XXXX, XXXX XXXX or FMS want to call them they can certify it for them verbally. '' Since the housing crisis, I've worked very hard to repair my credit -- and this is the worst possible time for this to happen. No one is willing to accept the proof I have or seek certification from the original creditor. I believe this is a breach of the Fair Credit Reporting Act. What recourse does a consumer have in a situation like this? It seems, none.
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (NY)

I have received numerous letters requesting payment for an XXXX XXXX XXXX bill that is overdue. However, I have never received any such bill from XXXX XXXX XXXX. When I called to discuss the matter, I confirmed all the information on the " letter '' they sent me but would not give any other personal information. When I refused to give information that was not on the letter the company sent, the call was terminated by the customer service rep.
Consumer complaint received 2016-09-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (VA)

Complaint against PayPal Synopsis : PayPal unfairly locked my account and held my account balance for more than 180 days before I was ablet to access it. Even after providing all the information requested, the account has not be restored for full access. Account continues to be limited and useless to me. I am not even being allowed to close my account ( I do not want my credit card and bank account information to continue to be saved on their website )
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. XXXX CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX  as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX  is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2016-05-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliance One, Inc. (MI)

continued action taken to collect a debt that is not mine I have asked the company to provide proof and validation of debt under FDCPA guidelines Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

phone calls and letters have been non stop after I sent letter to cease and desist until debt can be validated as of this time they have failed to comply
Consumer complaint received 2015-08-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Flagstar Bank, N.A. (MI)

I deposited a personal check for {$3000.00} into my Flagstar Bank account on Monday. My brother wrote me a personal check to help me with my XXXX bills and help pay XXXX. I have fallen on hard times and he offered to help. I expected a 3 day hold on the check, which would be okayXXXX. However, Flagstar bank not only placed a 3 day hold on the check, but turned around after the three days and placed anther 7 day hold on the check for loss prevention. This is a local check and both my husband and myself have direct deposits of our payroll checks being deposited into this same account. Our payroll checks are more than the {$3000.00} personal check.This 7 day hold caused me to go XXXX for 7 or more days XXXX. This is unreal and uncaring. The whole purpose for my brother giving me this money was to prevent this from happening. They are heartless and cold to do this to any human being.
Consumer complaint received 2023-03-28
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My husband and I decided to fiance a new car through the dealership. I was unaware however, of how many hard inquires the company actually performed. I just recently found that a total of XXXX hard inquiries were performed, XXXX for TransUnion and XXXX for XXXX. 
Because I was only aware of XXXX inquire, to be made by the dealership itself, it is my hope to dispute and remove these other hard inquiries as they were performed without my permission and have damage my credit already.
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I deposited my wife 's paycheck using their mobile app on XX/XX/22. My wife works for a XXXX XXXX  XXXX agency. I was shocked to read the following day that the deposit was going to be held up for 6 business days. In the last 20 years, the technology makes it possible for instant check and withdrawal/transfer of funds based on checks, and TD Bank , as one of the mid-tier banks, has to have the technology set up. 

When I called and spent close to an hour, I kept getting a variety of reasons as to why they are holding for 6 business days ( these are different from 6 calendar days, especially with the long XXXX XXXX weekend ) I asked her to send me in writing for reason ( s ) and of course, she made it clear that was not gon na happen. 

The fact is that TD Bank most likely received the funds on the same day and they wan na use the account holder 's funds free of charge. The excuses that I was given were the excuses the banks used in the 90s. I have no problem if they indicate 2 days but 6 business days? 

CFPB needs to issue strong and clear directives to the banks as to when they have to make funds available for checks deposited. It should be within 24 hours of their getting funds.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-28
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. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-03-28
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. (CA)

On XX/XX/2021, I wrote requesting this investigation into items that I believe to be incorrect outdated or obsolete. To date, I have not received a reply or any acknowledgment that the investigation has begun.Under federal law creditors have XXXX XXXX XXXX XXXX days to complete investigations. Please remove inaccurate information indefinitely. Thank you
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (CA)

The Company ARA Asset Recovery Associates keep calling my family members and threatening to take legal action if they did n't get the information they need. They call numerous times even after I have told them to stop calling my phone number and the phones of others. We have blocked the numbers they tell us to call but they call on " Blocked numbers '' so it 's difficult see the incoming ID number.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

AES/SUNTRUST # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX Original Loan Amount : {$4000.00} I was in a FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Transunion XXXX status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX XXXX XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance