davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Equifax submitted an errored report to a mortgage lender. The submitted report does not reflect the correct credit score and noted several account delinquencies that are not reflected on the credit report. When Equifax was contacted, they advised that these items are not reflected on the credit report. Therefore, they do not have anything to dispute. I, the consumer, was only made aware of this inaccurate reporting of the credit score ( possibly resulting in XXXX points lower than the actual score ) and derogatory remarks by the lender sending a document that summarizes what was reported to them. Equifax 's error in reporting the correct credit score resulted in an inferior loan rating and product offering.
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states : I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (VA)

Hello Consumer Protection Bureau, In XXXX of 2021 my credit card declined as I was using it because it supposedly hit the credit limit. However, I knew I had not hit the credit limit so i called the credit card company ( Barclays ). When I called they listed items on the account I had never purchased. We immediately logged those as fraudlent items to be investigated and then closed the account. However, Barclays issued another card ( not at my request and I did not know it ). That second card continued to have fraudlent charges hitting it but i did not know until I got another statement a month later. I called Barclays again and had them log those as fraud transactions and again close the account. This happened after trying to call the company several times and being put on hold each time for up to three hours each time. 

A month later i got another statement showing i was still outstanding on a balance on the second card ( the one I did not request and never had in my possession ). The total outstanding balanace was {$7000.00} which was connected to a fraudulent transaction ( a XXXX flight purchase under a different name - not me - so obviously fraud ). I called again and the company said they applied a credit to the wrong card and they then cleaned it up and supposedly everything was fine. That call happened on XXXX XXXX. However, I got another late statement and then tried to call again. At this point, no one can help me. When I talk to the Fraud department they say they've cleared all the Fraud, when i call customer service, they just refer me to Fraud. I have tried to get a manager but no one can help. 

I was a loyal customer at this company for 10 YEARS and ALWAYS paid on time. I never had a late payment for anything. This is the worst, worst customer service I have ever experienced and I would never recommend Barclay 's card to anyone. 

I am really hoping that sending this through the consumer protection group will help get attention to this issue. I don't know where else to turn. 
XXXX XXXX
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MI)

The process to request removal of PMI is purposely slow. I am now waiting to be notified of the initial appraisal date and this is a process that should take a total of 2 weeks. PHH sent the application to request XXXX appraisal 2 weeks after the initial request. Once the fee was sent to their PMI removal department, they cashed the check for the {$150.00} fee and sent nothing to me notifying an appraisal date or even that the request and fee was received. No email nor electronic notification was in my online account and when I called, the representative could tell me nothing about the process. I believe they are purposely stalling in order to keep this " fee '' and continue to bill me for something that should not have taken more than a month to remove. It's now a month later and I am still paying PMI, I have submitted an application/fee and I have no idea when or if the XXXX appraisal will happen to determine if they will remove PMI. I am sure I am eligible for PMI removal since I have new flooring throughout and I have a full kitchen remodel since I obtained my mortgage a little over 2 years ago. A representative ( XXXX XXXX XXXX took all this information and said that he did not have an ETA on a resolution and he did not know when he would receive a response from the PMI department. With the holidays coming up, I doubt I will see movement on this until after the new year
Consumer complaint received 2021-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am a XXXX  eligible for public service loan forgiveness and have approximately 14 payments over now 9 years that are not eligible to count towards the 120 payments due to administrative forebearance during which time the program was processing my income verification almost annually. I have been informed that these payments may be eligible if the loan services will allow me to make the payments retroactively that should have been due during those times. Fedloan agents have told me this is not an option. How do I determine my rights related to those payments?
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (WI)

Tried to redeem rewards from Barclay XXXX credit card via bank transfer to checking account. Got message " Ooops, that wasn't supposed to happen. Please try again. '' three times when pushing REDEEM button. On fourth try, got message about exceeding max numbers of transfers for a day. Can not get through to customer service as they are overwhelmed with problems due to XXXX credit card fiasco. We had been locked out of our card for 10 days until this morning when we finally could activate the card via automated activation on phone. All we want to do is to clear our rewards points, pay off owed balance and cancel card.
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP (GA)

After completing my due diligence, research, and development in consumer law and debt collection there is a preponderance of evidence alluding its a fact you committed several federal violations including but not limited to 15 United States Codes section 1692 ( e ) by giving false and misleading representation that I the consumer owes a debt. 
On XX/XX/XXXX I received a Correspondence from XX/XX/XXXXstating that I the consumer owes a debt of {$2900.00} to which I the original Creditor, consumer and attorney infact for the legal person XXXX XXXX. 

On XX/XX/2021 under the exclusive face of the united States Post correspondence Notice & Demand to Validate Debt Claim was signed for upon delivery at address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

On XX/XX/XXXX under the exclusive face of the united States Post correspondence Demand for Qualified verification of debt was signed for upon delivery at address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

On XX/XX/XXXX under the exclusive face of the united States of the united states Post Office an Opportunity XXXX  XXXX was signed for upon delivery at address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

At no point in time did I ever receive any correspondence from XXXX. On XX/XX/2021 XXXX did serve summons upon at my place of abode on a relative who accepted said documents. 

Am alleging the actions of the representatives including but not limited to XXXX XXXX XXXX of said Law firm did cause damage on my credit file, also did cause my entire immediate family feud as no one knew of my alleged indebtedness whereas I was treated unfairly, by abusive and deceptive conducts of all parties involved and am alleging XXXX. 

Notice Am alleging XXXX is a private Attorney not so authorised to enforce debt collection activity as am alleging they are without a contract on record with the United States Attorney General Office to collect debts on behalf the United states pursuant to 31 USC 3718.

Pursuant to 15 United States Code 1692i ( b ) XXXX is at a legal disability as nothing in this subchapter shall be construed to authorized the bringing of a legal actions by debt collectors.

Whereas there was no proof of a lien recorded with the Secretary of States Office in the name XXXX XXXX was found. Please see certified copy for proof. 

Am alleging plaintiff by way of XXXX XXXX XXXX whos name appear on allegedly fraudulent Instrument that looks like a summons was simulating a legal process to induce I the consumer to participate in fraud. 
I have also filed a complaint with the United States Attorney General on matters mentioned here.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint : ( XXXX ) account # XXXX violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX XXXX Code XXXX XXXX Transunion XXXX must remove all information reporting from and relating to ( XXXX XXXX account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX XXXX Code XXXX c-section b.
Consumer complaint received 2021-12-04
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. (TX)

I have contacted Equifax several times about this error. I have two accounts for the same creditor listed twice on my credit file. 
The account is listed as XXXX XXXX The first account is listed as paid in full ; second one charge off The amount are listed as the same the open dates are the same as well I have asked them to correct this matter. 
I also asked for them to provided the correct information. I asked to verify this is account belongs to me as well
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Fidelity Mortgage Services, Inc. (IL)

I attempted to refinance my mortgage in XX/XX/2022 and began the process with American Fidelity Mortgage Services , Inc . I followed their process as instructed and provided all of the information they requested. The loan officer I was working with, upon discussing my case with his " manager '', told me I needed to participate in their Rapid Rescore Program in order to be approved for the refinance. I was hesitant at first because it would result in my having to borrow funds from a family member to participate. I did this in order to get approved only to find out that I did not have to participate in their " Program '', and I would have been approved but with a higher rate. During this process, they checked my credit score three times, placing three hard inquiries onto my credit report. At the end of the Rapid Rescore Program process, they performed an income verification, which I was told was already completed, and stated because I no longer work two jobs ( a difference of less than $ XXXX month after taxes ) I was denied the loan. All of this after three hard inquiries onto my credit report, being told the rate was locked in a month prior, having to participate into a program I didn't have to participate in, and having to borrow money from someone when it was never necessary. I want the hard inquiries removed from my credit report and this company to stop telling prospective buyers/owners they " : qualify ... if ... '' and placing unnecessary hard inquiries onto credit reports, which drag down credit scores. Three hard inquiries within 2 weeks is ridiculous and overkill.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I have a credit card for BJs through Comenity Bank. My payment is due today Monday XX/XX/2022. I have spent all day trying to make a payment, but the system is down. I have reached out to them via social media with no response. I have also reached out to the phone number on the card and their customer service is closed. I found online that this has apparently been an issue for about a week. I will be challenging any late fees or interest charged to me based on the fact that there is no way to make a payment.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

For no apparent reason, Paypal locked my account for up to XXXX days. I called several times to release the balance of {$1600.00}, but the customer service could not help at all. PayPal transfers out the balance of {$1600.00} for " paypal 's damages caused by acceptable use policy violation '' without notifying me before the XXXX-day period expires. This is a ridiculous and scammy activity!
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc. (MS)

I was asked if I wanted to be prequalified for a Zales XXXX card and I specifically asked if she was going to pull my credit and she told me no that it wouldnt and that it was just a pre qualification. Then as soon as she told me no my phone started popping up with emails saying theres been a change to my credit report and she continued to tell me that it wasnt checked then I asked her one more time if it was pulling my credit and she said yes. A PRE-QUALIFICATION means that its supposed to be a soft credit pull. Now I have a hard inquiry on my account that I had given no consent to. This was at Zales XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (IL)

Greetings, I have been making payments on-time all the time for my Apple Credit Card by XXXX XXXX XXXX Payments are reflected on my Apple XXXX as directed and instructed by the Apple Card instructions within the XXXX. Apple has teamed up with XXXX XXXX to be the Banking Credit Provider for their cards. 

My billing cycle starts every XXXX of the month and ends at the end of the month either the XXXX or the XXXX depending on the month. Every end of my billing cycle I make the required stated payment through the XXXX Apple Card by XXXX XXXX. But in recent times XXXX XXXX has not properly acknowledge my timely payments and has wrongfully put my account past due. When the representatives call me to discuss my allegedly past due amount, I bring to their attention the payments made by me and the amount and size of the payments and the frequency of those payments. These representatives when I bring this up to their attention they always hang up on me, or put me on hold for more than XXXX hour without answering me forcing me to hang up. Apple Card by XXXX XXXX has went as far as restricting my account for further access even when I bring up to them the payments I made and the amount.
Consumer complaint received 2021-12-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

My wife and I got a new home with a local company in the fall of XXXX. We went with a local bank in XXXX XXXX, XXXX, and that mortgage got bought by XXXX XXXX. We were on the XXXX forebearance plan, which started in XXXX of XXXX, and it officially ended XX/XX/XXXX. We made the last XXXX payments, from XXXX through XXXX of XXXX. We are now in the process of refinancing, and am hoping to close on it soon. I have tried to start the whole refinance process with Citizens One since last XXXX, and have tried to get a hold of them a number of times to see what the progress was during that time. They told me each time that they have been busy, and would call me. They never did, so I would call them regularly, and got the same response. After finally talking to a person in the right department with XXXX XXXX, they agreed for us to extend our mortgage. I asked the particulars, as to if they would ad our missed payments, with no interest, to the end of our mortgage. It would be for approximately 17 months, added on. They said that would be fine, and we signed the paper work for that to go on. I asked them that to be clear, and thats what they told me. All of this should be recorded on their part. 
We found out a few weeks ago, that HUD now has a XXXX on our house for the payments we didnt pay, of a total of {$39000.00}. Its a XXXX loan, that we need to pay, on top of our loan balance with Citizens One, which is {$270000.00}. We are confused as to why we need to pay this additional money. The original loan is an FHA mortgage, so hence why HUD has the lien, from what was told to us recently. Citizens One didnt even say anything about that. They told me what I stated above, about the balance would be added on the end of the loan. They didnt do that. We were hoping to get some additional money for some home updates, and other personal things caught up as well. We cant do that now, due to XXXX XXXX inability to tell us what was actually going to happen. Also, HUD takes forever for them to answer a phone call. I was on hold for about 2 hours to talk to someone. The lady we are working with, XXXX XXXX, with XXXX XXXX Bank, was on hold twice this week with them for a total of almost 5 hours. We would like to what the deal is with this circus, and am confused as to why this HUD deal is even factored in, when it shouldnt be, from what Citizens One told me. 
We have hoping to get this resolved soon, so we can get our refinance done within the next week. XXXX, XXXX, and myself are perplexed and disappointed with what has happened with this for the past few weeks. We would like to have a very simple explanation as to whats happening with this supposed extra XXXX on our house, with a reasonable solution to it as well. Again, please do this as soon as possible, so we can wrap up the refinance soon. 


XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Citizens One account number XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NY)

XX/XX/2021 XX/XX/2021 {$2.00} INTEREST CHARGE PURCHASE XX/XX/2021 XX/XX/2021 {$40.00} LATE PAYMENT CHARGE XX/XX/2021 XX/XX/2021 {$99.00} ANNUAL FEE destiny credit card company charged me all the above fees, i never used this card after last payment i requested to close the card and now it is messing is up my credit score and when i called to close my card and to clear my charges. the company is not helping out its really a big SCAM going on
Consumer complaint received 2021-10-11
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. (FL)

Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.