davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
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. ()

So i filed a dispute with equifax on XX/XX/XXXX for which i got an email saying 5-20 business days. 
After 21 business days i began calling. 
I was told they were having technical issues with their dispute tools and they couldnt help me. 
Day 2 i asked for a manager and was denied saying only a callback was an option. 
I accepted, but never received a call. 
Day 3 i was told the technical issue was around 3 weeks now. 
Day for i was told over a month. 
Fast forward to today, i called and spoke to an agent, said call backs were a lie and i wanted to speak to a supervisor now, she hung up. 
Called back. After 1 hour i got a manager XXXX, who told me the tools were working again, they he pulled up my info and said, oh sorry THOSE tools are NOT working. 
I got frustrated and asked why he lied, he said 'dont yell at me ' i told him i wasnt yelling. 
He said ' Sir you can not yell at me have a good day ' and there was silence. 
I said 'If you hang up i will have you fired '. 
He remained silent. 
I said ( after assuming he hung up ) 'OH MY XXXX, YOU XXXX XXXX ' To which he responded ' you cant say that, have a good day ' and hung up. 
This is unacceptable behaviour. and they are refusing to acknowledge my dispute because of 'technical issues ', but how can a company operate with technical issues lasting over a month ... 
I want this resolved right away
Consumer complaint received 2021-08-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (GA)

I was approved for a loan on XX/XX/XXXX they ran my credit then so I went to pick up the check and was ready to sign Mr XXXX at one main financial came back and said he couldn't do it because, he said I put a XXXX instead of XXXX on my social security number which was a lie because I was altered by credit karma that he ran my credit again that's 2 hard inquiries on my credit report and I'm trying to get a loan to pay off my credit debt. He insisted that I did it not knowing I also have XXXXXXXX XXXX  working on my credit as well. So I said I would like to see my application to see if it was true he wouldn't show me.So that was on XX/XX/XXXX I called today and spoke to the manager and thought she would resolve this nope nothing. She said she would send me copies so I can contact the credit agency so it would be just one hard inquiry not 2 .she never did it and I record my calls plus my wife was my witness. I really feel I was discriminated against by the way we looked plus I'm XXXX on XXXX Before we left he asked if we had a car title which was strange we said no and left. The business is called onemainfinancial in XXXX XXXX XXXX XXXX XXXX manager XXXX. Associates XXXX. I just want that extra hard inquiry off my credit report.I have a XXXX XXXX under ga law o.c.g.a 30-5-3 you can't take advantage of the XXXX XXXX.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery calls me repeatedly during the day and as late as XXXX at night. They call from dozens of numbers from all over the country. I have repeatedly asked to stop being contacted, as the person they are looking for is not me. The representatives are sometimes rude and hateful and ask for personal information.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (CA)

XX/XX/XXXX - my mortgage with Flagstar bank was put in covid forebearance, under the Federal Cares Act, due to my husband losing his job due to covid impacts. 

XX/XX/XXXX, XXXX I contacted Flagstar that we were able to resume mortgage payments and began a loan modification process. 

XX/XX/XXXX - agreed to modification terms. The terms included a 3-month payment trial plan required before the modification can be finalized and also required to refinance with Flagstar or any other bank. 

XXXX XXXX XXXX XXXX Successfully made 2 of 3 new modified mortgage payments per the terms. Last payment is scheduled for XX/XX/XXXX. 

XX/XX/XXXX, XXXX received an XXXX alert of a major derogatory account comment reported by Flagstar on my credit file that negatively impacted my credit score by 116 points, changing my rating from exceptional XXXX to good XXXX. This change will impact my ability to get best refinance rate once the modification terms are fulfilled after payment # 3 on XX/XX/XXXX, among other credit and future loan impacts, etc. 

I confirmed with Flagstar during multiple phone calls regarding terms of the modification in XXXX, XXXX and XX/XX/XXXX that my credit would not be affected if I accepted the modification terms to ensure my excellent credit score would remain intact. They NEVER told me a comment would be reported to credit agencies that could potentially impact my credit score. 

XX/XX/XXXX XXXX I called Flagstar and they have refused to remove the comment from my credit reports. 

My understanding is actions by Mortgage companies that could negatively impact consumer credit scores are protected for covid related forebearance ( including when resolving and exiting forebearance ) under the Federal Cares Act, providing all rules and terms were followed.
Consumer complaint received 2020-11-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2020, I am seeing a hard inquiry with XXXX from Bank of America. I did not authorize said bank or any person or entity to obtain my credit report. This may be a fraudulent inquiry. I have communicated with XXXX  about this issue, and they assure me they are going to remove this entry.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

Shopped on XXXX ; was offered {$20.00} credit if I applied for card ( XXXX me, I did it ). After that, XXXX ( or Synchrony? ) apparently gave me {$20.00} but then took - WITHOUT PERMISSION, WITHOUT MY KNOWLEDGE, AND WITHOUT ANY TYPE OF AUTHORIZATION WHATSOEVER - charged that card over {$100.00} for a " XXXX '' membership ( which I SPECIFICALLY DECLINED ). After that, I cancelled my order, but I have still received the Synchrony card in the mail. It was ALREADY ACTIVATED ( apparently they have to do that to THIEVE MONEY ILLEGALLY ). 

I tried to call Synchrony to establish the balance ( for XXXX I did not want ). 

Automated phone system says if I am calling about XXXX call another number. I did. ALL IT WAS WAS ADD AFTER ADD congratulating me for this and for that ; trying to get me to spend more money ( on a free cruise, etc. - that type thing ). 

I CAN NOT REACH THEM BY PHONE. I DO NOT KNOW THE STATUS NOW OF THE CARD I DO NOT WANT / WAS THIEVED INTO GETTING.
Consumer complaint received 2021-10-19
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: JPMORGAN CHASE & CO. (AZ)

I have messaged and called Chase numerous times, filed formed FTC complaints. They lied to you. I have attached a copy of the XXXX report showing that in fact they did change my address with my credit bureaus. They are refusing to report back to the credit bureaus that my address was reported in correctly. The credit bureaus are refusing to change it. I have been dealing with this issue for 5 month. They have been denying they did this. 

I spoke with XXXX, XXXX, XXXX XXXX, XXXX ( manager and XXXX. All of whom told me they can do nothing to correct the issue. All of whom also denied that Chase changed my credit report. I have attached proof that the credit bureau was changed by Chase. 

I have also filed a XXXX discrimination complaint as they were not able to meet my needs of my XXXX when calling in for assistance with my Attorney General and my XXXX Representative. I am on XXXX and they were not accessible to my needs over the phone.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/21 received a letter from Bank of America that they detected suspicious activity on my credit card and temporarily suspended my account ending in XXXX. Problem is I do not have a Bank of America Credit card and have never applied for one with that bank. I called the Bank of America 's fraud division and they advised me to notify the FTC, XXXX, XXXX and XXXX of the problem. Is this a case of credit card fraud or identity theft ; please let me know what to do. Thank you
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (AZ)

Someone ( not me ) printed checks with my Santander bank account number and a fake address, and deposited them, overdrawing my account. The address given on the checks is a state I have never visited. I reported the fraud to Santander, but continue to get phone calls from them that my account is overdrawn. 
I told them about this 13 days ago and still receive twice-weekly phone calls.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Friday, XX/XX/XXXX, my XXXX account was compromised and was used to make multiple purchases. Purchases then continued onto the XXXX and I caught the transactions then. I then contacted XXXX to report this activity, they gave me no help and stated refunds are not possible, only giving me the option to change my password. I contacted Bank of America fraud to start the disputing process and had two separate claims, finding out today XX/XX/2020 that one of my claims has been denied due to having 2 claims open related to the same merchant. The 2 claims was bank of Americas decision and I shouldnt have to get denied because of that.
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: STATE EMPLOYEES CREDIT UNION (NC)

My named was forged on a document that was never presented to me and the original I applied and received the loan for my car. I wasn't behind on my payments nor was I behind on my insurance. I had also found out the that said document was illegal here in North Carolina. I had lost my job also picked up and new aliment and I have been out of a lot of money cause now I have to pay for rides and delivery fees for the things that I need i have bee fighting this issue for a year. I also believe that they forged papers to steal my mother 's house from her also. My family and I would like help in getting justice from this bank I also have said documents on my person as well. I have a whole lot of documents and proof to send but the system will not let me send them all at one time.
Consumer complaint received 2019-03-09
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. (NY)

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to  verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2021-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft .This creditor is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Consumer complaint received 2020-12-01
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. (GA)

TransUnion is reporting 5 late account in the Account Summary on my credit report and they are not any late payments. This effecting my credit score and they need to be sued. I have requested this correction to be fixed over a year now. 

Please see attachment and why do I have to wait 60 days for them to correct this issue.
Consumer complaint received 2020-12-01
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. (NY)

My social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. XXXX Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand, Thanks!
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (MN)

Your prior menu was not pertinent to my specific complaint today, but repeated phone calls which I did not answer have occurred. 

Today, XXXX XXXX, 2017 at approximately XXXX CST I received a call from XXXX. A female gave her name ( I do n't remember but it will be in the attached recording ) and said " this is a monitored and recorded call about a personal business matter. '' She asked if she was speaking to XXXX XXXX. I said she was and I am also recording the call. She asked to verify my identity by asking for additional information. I asked her to provide the business name before I provided additional information. She said she needed the information first for a personal business matter. I advised her that by law I am entitled to the company name before providing personal information. ( I did not say to her that I am not an attorney but was speaking in a pro Se capacity when discussing laws. ) She said she would send me information and then I could call. That ended the first call. 

An Internet search did not provide the company name but did confirm that the number belongs to a landline in XXXX, MN. 

I called the number and a male said " this is XXXX and this is a monitored and recorded call. '' I told him I needed the company name before filing a regulatory complaint due to his colleague refusing to give me that information. He said " You have called XXXX XXXX XXXX. '' I thanked him and disconnected.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Second request ... ..I received a call from XXXX and follow up email stating it could take up to 60 days for this error to be corrected. I am requesting CFPB notify the major credit agencies Transunion, XXXX, XXXX, and XXXX who reduced my credit score from XXXX to XXXX in error. This error will have an effect on any major purchase I had planned in the month of XXXX. Hopefully, with your help this matter can be rectified asap.I will attach a letter from XXXX which does not state who they are going to notify and not a person to follow up with. 
Thank you again, XXXX XXXX
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SC)

We have a Citi Visa credit card branded with Best Buy. The statement cut on XX/XX/XXXXwith a balance of {$6400.00}, due XX/XX/XXXX. We signed up through Citi bank 's website to make ACH payments by direct debit of an account at our primary bank. 

On Sunday, XX/XX/XXXX, we submitted payment of the full balance of {$6400.00}. Monday, XX/XX/XXXX that amount was debited from our account. 

As of Wednesday XX/XX/XXXX Citi showed that the payment had been made, but had not added the funds back to our available credit. I call and spoke with a representative who said it normally takes two business days to post payments. This does match Citi 's Terms & Conditions. 

As of Thursday XX/XX/XXXX it was still not available. I called again and now the rep said because it was a large payment it had a float hold of 7 days instead of 2. A 7 day float hold for an ACH payment they received on XX/XX/XXXX? Because Thursday was XXXX the call could not be escalated to a supervisor. 

As of Monday XX/XX/XXXX, seven days after Citi received payment by electronic transfer, the payment was still not in the available balance. I called again, escalated to a U.S. supervisor, who transferred me to a credit specialist, who spent 5 minutes trying to reach XXXX XXXX XXXX, who then transferred me to another manager, who then spent several minutes reaching XXXX XXXX XXXX, who then went though an almost comical phone call to verify that in fact XXXX XXXX XXXX had transferred {$6400.00} on Monday,XX/XX/XXXX 

My company writes ACH and payment processing software. There is no float on ACH. My bank has the choice of rejecting the payment or transferring the funds. Citi received confirmation of it, at the very latest on the XX/XX/XXXXbut much more likely on the XX/XX/XXXX. 

The float policy is unreasonable to electronic payments. It should not require 3 calls and 7 days to get credit for funds that were transferred to Citi electronically.